25 years. Top-producing senior loan officer. Perfect closing record. When your transaction can't afford a surprise, this is where you start.
Available today
I'm Nathan Burch. I've been doing this for 25 years. I co-own Vellum Mortgage, a company that processes, underwrites, and funds every loan in-house.
That matters because when something needs to move, it moves. No waiting on a third-party underwriter. No black box. You get a direct answer from someone who controls the process.
I work primarily in the DC Metro area with licenses in South Carolina, Georgia, and Florida. My clients are buyers, move-up homeowners, investors, and veterans. My average loan is around $500,000, and I work across conventional, FHA, and VA financing.
There's a planning conversation that often comes before any loan: refi break-even math, the real trade-off on 20 percent down, 15-year versus 30. I run those numbers for clients even if they end up borrowing somewhere else.
I'm also a long-term partner, not just a closing. I monitor my clients' loans over time and reach out when refinancing makes sense. Whether rates drop, their situation changes, or a better structure becomes available, I don't wait for clients to call me. I keep watch.
Buying a home is the most time-sensitive transaction most people ever do. I specialize in purchase loans because they require precision: the right structure, the right timing, and a loan officer who communicates at every step. My closing record is perfect because I treat every file that way.
When it makes sense to refinance, you'll hear from me before you have to ask. I track my clients' loans and monitor market conditions. When there's a real opportunity, lower rate, better term, cash-out for the right reason, I bring it to you with the numbers already run. *
VA financing is one of the most powerful tools available to veterans and active-duty service members, and one of the most misunderstood. I know the guidelines, the entitlement math, and how to get VA loans closed cleanly, including in competitive purchase markets.
Self-employed income. Condo underwriting. Credit repair paths. Investment properties. Non-warrantable condos. If another lender said it couldn't be done, call me before you give up.
Most mortgage companies send your file to an outside underwriting team and wait. At Vellum, we process, underwrite, and fund loans ourselves. That means faster decisions, fewer conditions, and no third-party bottlenecks slowing down your closing.
When I tell a realtor their client is approved, I mean it.
When I give you a closing date, I protect it.
No mystery, no proposal-as-pitch. The standard close is 21 days. When the contract demands it, I close as fast as 8 business days.
A 20-minute call. We figure out what you are actually trying to do, what is in the way, and whether I am the right person to help.
Real numbers. The rate, the structure, the trade-offs, in plain English. No "estimated payment" hand-waving.
A real recommendation. Sometimes that is "do not refinance, your current loan is better." Often it is "here is the loan, here is why."
Standard close, 21 days. As fast as 8 business days when the file allows. Either way, the boring kind: clean file, docs on time, you sign without surprises.
Realtor relationships are built on trust, and trust gets built or destroyed at the closing table.
I work with realtors across the DC Metro who need a lending partner they can put their name behind. That means clear communication at every stage, honest pre-approvals, and a loan officer who picks up the phone.
I don't promise what I can't deliver. I don't overqualify buyers to win the relationship and leave you holding the deal when it falls apart. I run clean files and close them.
Standard timeline is 21 days. When your contract demands it, I close as fast as 8 business days.
Let's talk →Whether you're buying, refinancing, or just trying to figure out what's possible, start with a conversation.
