Jay Voorhees

Jay Voorhees is the broker/owner of JVM Lending. He earned his BA in Economics in 1985 from the University of Arizona, where he became a member of the Phi Beta Kappa Honors Society. Mr. Voorhees also earned a JD from Arizona State University in 1990.

Mr. Voorhees has served thousands of clients throughout California, having solely funded well over a $1 billion in mortgage loans over a seventeen year career. He takes great pride in his integrity and commitment to service, and is especially proud JVM is one of the very few independent mortgage companies to weather the many upheavals in the industry.

Local media outlets often go to Mr. Voorhees for his expertise with respect to mortgage matters. He has made several appearances on KTVU TV, and more recently he was a guest on KQED’s Forum. He is also quoted in the San Francisco Chronicle from time to time.

Following are some links to a few of Mr. Voorhees’ recent appearances:
(1) KQED’s Forum, Real Estate Financing

(2) San Francisco Chronicle, Whether to Prepay a Mortgage

(3) San Francisco Chronicle, Homepath Mortgages

Heejin Kim

Heejin Kim is a licensed broker with over twenty years of experience in the mortgage industry. She started her career in back-office operations with several major mortgage companies before moving on to become one of the Bay Area’s top producing independent mortgage brokers.

In 1999, Ms. Kim founded her own mortgage company that grew to over 50 employees and achieved profits well into the seven-figure range in a few short years. At the peak of her success in 2004, Ms. Kim sold her company in order to pursue opportunities in the wholesale arena.

After a highly successful foray in wholesale with two major mortgage banks, Ms. Kim returned to the broker-world and became a partner at JVM Lending in 2007. Ms. Kim implemented JVM’s highly efficient technology-based infrastructure and its expansion into mortgage banking.

Ms. Kim’s success and exposure to so many facets of the mortgage industry as well as her many contacts are proving to be invaluable to JVM during these tumultuous times. Currently, Ms. Kim co-manages JVM Lending and heads up JVM’s mortgage banking division.

Ms. Kim was born in Seoul, Korea, and grew up in Orange County before moving to the Bay Area in 1995. Currently, Ms. Kim resides in Alamo with her 13 year old daughter.

Christopher Baker

Christopher Baker has twenty two years of commercial and residential real estate experience. His career includes employment with Wells Fargo Bank as a commercial lender; as a Vice President for Real Estate Development with both Noah’s New York Bagels and Chevy’s Restaurants; and with the Trammel Crow Company in retail leasing.

Chris received his B.A. from Dartmouth College in 1987 and his MBA from Duke University in 1989.

Since becoming a broker in 2002, Chris has closed loans totaling $250,000,000 throughout California.

Chris was born in Oscoda, Michigan and raised in San Diego California. He lives in the Noe Valley neighborhood of San Francisco with his wife and two daughters.

Jessica Banuelos

Jessica Banuelos is one of JVM’s most multi-talented Loan Analysts. She has been with JVM Lending long enough to know the interworking of all aspects of the day to day operations. Jessica has a “can do” attitude and provides exceptional customer service to each client she comes into contact with. Jessica’s overall ability to take on new challenges and her stellar work ethic make her a tremendous asset to JVM Lending.

Jessica has a Bachelor’ Degree in Communications from Cal State University, East Bay along with a Minor in Photography. She was an active participant in her school and community, and city softball leagues for over ten years. Jessica’s active roles in each activity allowed her to cultivate the excellent team-building, leadership and motivational skills she employs at JVM. She currently lives in Dublin and enjoys spending her free time painting and antique shopping.

Shauna Cox

Shauna Cox is an exceptionally experienced Loan Analyst and Processor. She started working in the mortgage industry in 1986. Shauna brings a breadth of experience in almost every facet of the mortgage industry with major banks, wholesale lenders, mortgage bankers and brokerages. Her experience includes back-end operations, inside sales support, outside sales, loan consulting, underwriting and processing.

Shauna was born in Ogden, Utah and attended college at Weber State University as a communications major. Shauna and her husband are proud parents of four children. She currently has three children attending college, and she is “holding on” to her youngest who is still in high school. She resides in San Ramon where she is very active in her church and community. Shauna has also volunteered as a Girl Scout leader for the past 14 years.

Eunice Kwon

Eunice Kwon was raised in El Cerrito before moving across the Bay to attend San Francisco State University, where she graduated with a Bachelor of Arts in Liberal Studies. While attending college, Eunice honed her exceptional time-management skills as she studied full time, worked multiple jobs and held a key leadership position with her Sorority.

Upon graduating from college, Eunice began working for a major railroad company in the Port of Oakland, where over the years she assumed multiple demanding positions. Her extensive experience in office and client management made Eunice indispensable to her firm’s operations. Her management expertise and impeccable customer service have seamlessly carried over in her current position with JVM. Eunice is truly an ideal Office and Front Desk Manager, an extraordinarily demanding position within our company.

Eunice speaks fluent Korean and enjoys traveling. Her biggest joy right now, however, is the adventure of raising her nine-month old son.

Katrina Murillo

Katrina is a highly professional and exceptionally bright Loan Analyst and Field Representative for JVM Lending. Her keen eye for perfection and team-player attitude are equally compounded by her remarkable efforts in assisting clients throughout the entire loan process. She truly has the interest of others at heart, as well as the intellectual capability to see projects through in the most efficient ways.

Katrina graduated from the University of California, Santa Cruz with a double major in Politics and Law. While in college, Katrina volunteered much of her time towards educational outreach for youth in underserved communities. She also actively participated in intramural sports, and was a 4-year member of the Folklórico dance group, Los Mejicas. When Katrina is not lending her expertise at work, she enjoys running with her Boxer, watching baseball and football, and enjoying friends and family over good food.

Erin Piper

Erin Piper works as a Loan Analyst and brings with her a diverse and competitive background. With past work experience in the marketing and special events industry, building client relationships and producing detailed, reliable work is no foreign task to Erin. She has transitioned seamlessly into the JVM team and has taken a new passion and interest in the mortgage industry.

Erin grew up and has lived locally in Clayton for most of her life, until moving away for college at the University of California, Davis. She obtained her Bachelor’s Degree in Communications and Sociology with an emphasis in Organizational Studies. She kept busy by holding an active role in the Delta Gamma Sorority, playing intramural sports, training in a Crossfit gym and working for the University Athletic Marketing and Special Events Department. Erin’s recent graduation from UC Davis brought her back to the East Bay with an internship at Diablo Magazine before joining the team at JVM Lending.

Katie Plyer

As a Loan Analyst with JVM Lending, Katie is responsible for the front end of loan processing. She lends her excellent analytical skills to assessing borrower requirements and qualifications in order to match clients with the best financing option. She also prepares all loan documentation for submission to our lenders.

Katie was born and raised on the Peninsula and moved to Danville in 2001. She graduated locally, from Carondelet High School and furthered her education at UC Santa Cruz, where she graduated Cum Laude with a Bachelor’s Degree in History. While living in Santa Cruz, Katie worked with autistic individuals, helping them to become independent and engaging adults. After college, she worked as a children’s behavioral therapist, assisting children with the development of their academic, play, and self-help skills. Katie then transitioned into the business sector and gained invaluable experience in administrative and client operations. She enjoys traveling, and continues to pursue her passion for learning about history.

Denise Truono

Denise has been in the banking industry for over 30 years. Her vast experience includes underwriting, retail banking, commercial banking, construction lending and, most recently, wholesale lending. Denise was a top-producing wholesale account executive with Aegis Wholesale, the 10th largest mortgage lender in America, for eight years. Denise’s integrity and exceptional accountability were instrumental in funding over $500,000,000 in loans at Aegis. Denise’s proven commitment to excellence is now employed in the development and instruction of the JVM staff. Her incomparable knowledge and remarkable communication skills enable her to educate and prepare our staff to be extremely efficient and up to date in the ever-changing mortgage environment.

Born and raised on the East Coast, Denise relocated to the Bay Area in 1991. She currently resides in Benicia. In her spare time, she enjoys traveling, hiking, reading historic novels and baking.

Chingchi Yu

Chingchi immigrated to the United States from Taipei, Taiwan when she was 26 years old. Shortly thereafter, she enrolled in the Linguistics and Dance programs at the University of California at Berkeley, and earned her Bachelor’s Degree in 1992.

Chingchi not only assists clients with mortgage financing, but she is also an exceptionally skilled loan processor. With almost 20 years of experience with Loan Processing, Chingchi is one of the most experienced, knowledgeable and sought-after processors in the business. It is for good reason that Chingchi is JVM Lending’s Senior Processor and overall head of JVM’s Processing Center.

With a myriad of complexities in today’s exceptionally onerous lending environment, a Processor and Loan Officer as knowledgeable as Chingchi is absolutely essential for a smooth flowing and timely transaction. Needless to say, JVM is proud to have Chingchi on its side.

Today, Chingchi still avidly pursues her passions of dancing and choreography. She currently resides in Oakland with her husband and their beautiful 6-year old son, the loves of her life.

Gabrielle Moore

Gabrielle Moore is one of JVM’s most skilled loan analysts. She brings with her an esteemed professional background in Project Management, which exposed her to insurance compliance, permitting, grant writing and construction management. The exceptional demands of this field honed her analytical skills and her diligence, both qualities that are assets to her role as a JVM team member.

Gabrielle attended UC Berkeley where she both graduated with a B.A. in Architecture and studied at the Haas School of Business. As an undergrad, Gabrielle earned the prestigious Howard A. Friedman Scholarship for design excellence. While at the Haas School of Business, she consulted with major firms including Deloitte Consulting and Bain Capital for implementation of capital promotion and corporate restructuring.

Gabrielle is a water sports enthusiast who enjoys spending time at the coast or boating with her family on the Delta. She is also an accomplished chef who grows much of her own food and enjoys searching through farmers’ markets for unique and hard to find ingredients. When she is not on the water or in her kitchen, you can find Gabrielle skiing or snowboarding.