JVM Lending
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JVM Lending
Choosing JVM as your mortgage lender ensures you are getting the absolute most out of your home - right now, next month, and in the years to come. Our Close On-Time Guarantee* helps get your offer accepted in hyper-competitive housing markets. If we don't close on time, we will make it up to both you & the seller. We ensure our rates are always among the lowest in the industry and ~ 0.25% LOWER than the national average.

Our superior technology and highly advanced systems provide the best and most seamless client experience in the industry. Our super team of highly trained mortgage experts is available 7 days a week to answer all of your questions. Our team of experts is not on commission, so you will never be pressured or pushed to do anything you don't want to do.

This was our first time buying a home, and they answered all of our (many) questions quickly, clearly, and with patience. Their online system was easy to use, which was a big relief. I almost never write reviews for anything, but the service I received at JVM for our home purchase, followed by two refinances, has been extraordinary.
Services
You always receive responses to inquiries within 60-minutes during business hours, and are kept constantly updated on your loan status.
You won't run into delays or bottlenecks because our underwriters and funders are under the same roof and work directly with your Closing Specialist.
We take the extra time and effort to do a full "Pre-Approval" at the beginning of the process so you can make offers with confidence.
We were founded in 2006 by two grizzled mortgage industry veterans, Jay Voorhees and Heejin Kim - who were determined to do things differently - very differently.
I am very proud of what we've built at JVM - a 'Super Team' model with no loan officers, very low rates, and the best client experiences in the industry.
Our hundreds of five-star reviews really do say it all.
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A conforming mortgage "conforms" to Fannie Mae (Fannie) and Freddie Mac (Freddie) underwriting guidelines and is therefore eligible for purchase by Fannie and Freddie.
Fannie and Freddie are the quasi-governmental organizations set up to create a secondary market for mortgages (outside of banks alone).
The majority of all mortgages obtained in the United States are conforming.
Conforming loans must comply with the loan limits in your county.
For most areas in California, the loan limits range from $548,250 to $822,375.
We are much more than just a lender, with numerous benefits before, during and after your transaction!.
Access huge savings & special offers from major retailers - specifically tailored for new homebuyers!.
Receive a complimentary Home Concierge visit to record all pertinent info about your home.
See how your investment in your home is continually paying off as it appreciates in value.
This is an incredibly valuable tool, enabling you to see how your investment is continually paying off and where you stand financially.
We are giving every homebuyer $1,000 off their closing costs through the end of the year.*.
All you need to do is get pre-approved and buy a home with JVM Lending - we will apply the savings to your home loan automatically.*
This offer can only be applied to one purchase money mortgage and it can only be used once.
This offer will automatically be applied to every purchase money mortgage that meets the eligibility requirements and will be applied after the SIGNING or RATIFICATION of a residential purchase agreement.
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