Adam Gjerulff, NMLS # 278745

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Adam Gjerulff, NMLS # 278745 RVA's local mortgage broker. Go Rascal Inc. NMLS # 2072896 Adam Gjerulff
Team lead - Virginia - Team Gjerulff
RVA's local mortgage broker.

Whether you plan to buy or refinance today or next year, I can guide you to the mortgage the best suits your goals. Offering all loan types-Conventional, FHA, VA, USDA, Jumbo, Bond, 1 time close construction to permanent, Renovation, Reverse, Commercial and Private Money requests.

What happens behind the scenes after you start the mortgage process?There’s more happening than you may realize.✔️Docume...
29/10/2026

What happens behind the scenes after you start the mortgage process?

There’s more happening than you may realize.
✔️Documents are being reviewed.
✔️Information may be verified.
✔️Questions are being answered.
✔️The property becomes part of the process.
✔️Different people may be working together to move everything
toward the next step.

My job is to help make sure you understand what’s happening too.
You shouldn’t feel like your mortgage disappeared into a black hole after you submitted paperwork.

Knowing what comes next can make the process feel a lot less overwhelming.

What part of the mortgage process would you like me to explain in a future post? Drop your question below.

— Adam Gjerulff
Loan Officer | GoRascal
📞 804-299-5408
✉️ [email protected]
NMLS #278745 | Company NMLS #2072896

A different breed of mortgage.

🚨 MORTGAGE MYTH: “My credit isn’t perfect, so there’s no point talking to a lender.”Don’t count yourself out based on an...
27/10/2026

🚨 MORTGAGE MYTH: “My credit isn’t perfect, so there’s no point talking to a lender.”
Don’t count yourself out based on an assumption.
Credit is an important part of the mortgage process, but lending decisions consider multiple factors, and requirements can vary by loan program and individual circumstances.

Instead of guessing whether you’re ready, get information.

And if you’re not ready today?
A conversation may help you understand areas to work on before you buy.
Sometimes the first step toward homeownership isn’t filling out an application.
It’s simply learning where you stand.

Have you been putting off the mortgage conversation because of credit concerns? Let’s talk before you assume the answer is no.

Adam Gjerulff
Loan Officer | GoRascal
📞 804-299-5408
✉️ [email protected]
NMLS #278745 | Company NMLS #2072896

A different breed of mortgage.

🏡 Buying a home takes a team.Your Realtor helps you find and negotiate for the home.Your mortgage professional helps you...
22/10/2026

🏡 Buying a home takes a team.
Your Realtor helps you find and negotiate for the home.
Your mortgage professional helps you navigate the financing.
Other professionals help with everything from insurance to settlement and closing.

When everyone communicates and keeps the homebuyer at the center of the process, it can make a big difference in the experience.

I value the relationships I’ve built with Realtors and other professionals because ultimately, we’re all serving the same person—you.

Great partnerships. Great communication. Great client care.
That’s how it should work.
Tag a Realtor or real estate professional who always goes the extra mile for their clients.

— Adam Gjerulff
Loan Officer | GoRascal
📞 804-299-5408
✉️ [email protected]
NMLS #278745 | Company NMLS #2072896

A different breed of mortgage.

💰 Your down payment isn’t the only money to plan for when buying a home.One area that can surprise first-time buyers is ...
20/10/2026

💰 Your down payment isn’t the only money to plan for when buying a home.

One area that can surprise first-time buyers is closing costs.
Depending on your transaction, closing costs can include different fees and prepaid expenses associated with purchasing and financing your home.
That’s why I like talking about the full picture early in the process.
Before you start shopping, ask:
👉 What expenses should I prepare for?
👉 What might be due at closing?
👉 How could my mortgage option affect my costs?

You don’t need to memorize every fee.
You just need someone willing to explain what you're looking at.

Have questions about what you should financially prepare for when buying? Send me a message.
— Adam Gjerulff
Loan Officer | GoRascal
📞 804-299-5408
✉️ [email protected]

NMLS #278745 | Company NMLS #2072896
A different breed of mortgage.

🏡 Thinking about buying a home but don’t know where to start?You don’t need to understand the entire mortgage process on...
15/10/2026

🏡 Thinking about buying a home but don’t know where to start?

You don’t need to understand the entire mortgage process on Day 1.

Think of it as a roadmap:
1️⃣ Start the conversation
Let’s talk about your goals, timeline, finances, and questions.
2️⃣ Explore pre-qualification or pre-approval
Understand your potential financing before you start seriously shopping.
3️⃣ Find your home 🔑
Work with your real estate professional to begin your search.
4️⃣ Move through the mortgage process
Your application, documentation, property information, and other requirements are reviewed.
5️⃣ Prepare for closing 🎉

Once applicable requirements are satisfied and your loan is cleared to close, you move toward the final steps.

There are plenty of details along the way—but you don’t have to figure them out alone.
Thinking about buying? Let’s start with Step 1: a conversation.

— Adam Gjerulff
Loan Officer | GoRascal
📞 804-299-5408
✉️ [email protected]

NMLS #278745 | Company NMLS #2072896

🐾 What does “A different breed of mortgage” actually mean?To me, it means remembering there’s a person behind every appl...
13/10/2026

🐾 What does “A different breed of mortgage” actually mean?

To me, it means remembering there’s a person behind every application.

Every homebuyer has different goals.
Different questions.
Different finances.
And a different story.

That’s why I believe your mortgage experience should feel personal.
My approach is simple:
✔️ Listen first
✔️ Understand your goals
✔️ Explain your options
✔️ Answer your questions
✔️ Keep communicating

That’s the Different Breed Difference.

— Adam Gjerulff
Loan Officer | GoRascal
📞 804-299-5408
✉️ [email protected]
NMLS #278745 | Company NMLS #2072896

💡ADAM’S TIP: Ask questions. Lots of them.Buying a home is a major financial decision. You should understand the mortgage...
09/10/2026

💡ADAM’S TIP: Ask questions. Lots of them.

Buying a home is a major financial decision. You should understand the mortgage you’re considering.

Here are 3 questions worth asking:
1️⃣ Why might this mortgage option make sense for my situation?
2️⃣ What costs should I expect beyond my down payment?
3️⃣ Is there anything I should avoid doing financially before closing?

And here's another question I always welcome:
“Can you explain that again?”
Never be embarrassed to ask.

Part of my job is making the mortgage process easier to understand—not expecting you to already know how everything works.

📌 Save this post so you have these questions ready when it’s time to talk mortgages.

— Adam Gjerulff
Loan Officer | GoRascal
📞 804-299-5408
✉️ [email protected]
NMLS #278745 | Company NMLS #2072896

🏡 Shopping for a mortgage? Don’t look at the rate alone.It’s one of the first questions homebuyers ask: “What’s the rate...
05/10/2026

🏡 Shopping for a mortgage? Don’t look at the rate alone.
It’s one of the first questions homebuyers ask: “What’s the rate?”

And yes—the interest rate matters. But it’s only one piece of your mortgage.
When comparing options, you may also want to understand:
✔️ APR
✔️ Closing costs and fees
✔️ Discount points
✔️ Loan term
✔️ Down payment requirements
✔️ Mortgage insurance, when applicable
✔️ Your estimated monthly payment

The goal isn’t just to find a number that looks good. It’s to understand how the different pieces of your mortgage work together.

That’s where I can help.
I’ll walk you through the numbers, explain your options, and help you ask the right questions.

Have a mortgage question? Send me a message.

— Adam Gjerulff
Loan Officer | GoRascal
📞 804-299-5408
✉️ [email protected]
NMLS #278745 | Company NMLS #2072896

MORTGAGE MYTH: “I need 20% down to buy a home.”REALITY: Not necessarily.The 20% down payment is probably one of the most...
02/10/2026

MORTGAGE MYTH: “I need 20% down to buy a home.”
REALITY: Not necessarily.

The 20% down payment is probably one of the most common numbers people associate with buying a home—but it isn't a universal requirement.
Depending on the borrower, property, loan program, and other qualifications, there may be mortgage options with different down payment requirements.
And that's exactly why I encourage people to have a conversation with a mortgage professional before assuming they aren't ready to buy.
Your neighbor's mortgage isn't necessarily the right mortgage for you. Your friend's down payment isn't necessarily what you'll need. Your financial situation and homeownership goals should be evaluated individually.

The first step doesn't have to be having all the answers.
It can simply be asking the right questions.
Save this post for later or share it with someone who thinks they need 20% down before they can even consider buying a home.
— Adam Gjerulff
Loan Officer | GoRascal
📞 804-299-5408
✉️ [email protected]
NMLS #278745 | Company NMLS #2072896
A different breed of mortgage.

Pre-Approval: What Does It Actually Tell You?If buying a home is on your radar, you’ve probably heard that getting pre-a...
29/09/2026

Pre-Approval: What Does It Actually Tell You?
If buying a home is on your radar, you’ve probably heard that getting pre-approved should be one of your first steps.
But what does a pre-approval actually mean?
A pre-approval can give you a clearer picture of the mortgage amount you may qualify for based on the financial information reviewed by your lender. It can also help you understand potential loan options and prepare you to shop for a home with more information in hand.
But here’s something equally important:
A pre-approval isn’t the same as final loan approval.
Your loan still goes through additional review, and changes to your finances, credit, employment, property, or other factors can affect the final outcome.
That’s why I don't look at pre-approval as simply a piece of paper. It’s an opportunity to have a conversation about your finances, your goals, and what you’re comfortable spending.
Have a question about getting pre-approved? Send me a message. I’m happy to help you understand the process.
— Adam Gjerulff
Loan Officer | GoRascal
📞 804-299-5408
✉️ [email protected]
NMLS #278745 | Company NMLS #2072896
A different breed of mortgage.

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