Ethics Statement

Vellum Mortgage (“Vellum” or “Company”) is committed to conducting business with the highest integrity and honesty, ensuring all interactions are transparent and ethical. We provide accurate and truthful information and prioritize our customers, offering personalized service and advice to help them make informed mortgage decisions.

We ensure equal access to mortgage services regardless of race, color, religion, gender, sexual orientation, marital status, age, national origin, disability, or any legally protected characteristic, and we do not tolerate discrimination in our lending practices.

We respect our clients’ privacy, comply with federal and state data protection laws, and maintain up-to-date security measures to safeguard personal and financial information.

We maintain clear and open communication with our clients, fully disclosing all terms, conditions, and fees associated with our mortgage products prior to closing, and ensuring clients understand their obligations and financial implications.

We act in our clients’ best interests, avoiding conflicts of interest. Our employees and representatives must disclose potential conflicts and act impartially.

We are committed to responsible lending practices, assessing each applicant’s ability to repay their mortgage to prevent predatory lending and financial hardship.

Our employees and representatives conduct themselves with professionalism and respect, fostering a work environment that encourages ethical behavior and allows employees to voice concerns without fear of retaliation.