About JVM Lending
JVM Lending is a professional residential mortgage company, offering services to residents throughout California. With an exceptionally large network of lenders, we take pride in pairing borrowers with the best financing options available. We consistently offer the lowest rates, the fastest closings, and the experience necessary to navigate a very complex lending environment.
JVM’s MISSION: To employ exceptional expertise to make the loan process as quick, as clear and as simple as possible.
The JVM Lending Guarantee:
We guarantee that if your closing costs exceed the costs on our initial “good faith” estimate, we will refund you 10 times the difference. If your loan closes beyond the contractually scheduled date, for reason within JVM Lending’s control, we will pay you $1,000.
To get a FREE rate quote for “purchase money” financing, “rate and term” refinancing, or “cash-out” refinancing, please complete this form.
Principals
Jay Voorhees
Mr. 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 fourteen year career. He takes great pride in his integrity and commitment to service, and is especially proud that all of his business is generated solely from referrals.
Mr. Voorhees is also proud that JVM is one of the very few independent mortgage companies to successfully weather the recent upheavals in the industry. He believes that his experience “in the trenches” over the last several years is absolutely invaluable in the current far more complex lending environment.
Mr. Voorhees resides in Walnut Creek with his wife of 23 years, Danielle, and their three children, James, Andrew and Madeleine.
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 the company in order to pursue opportunities in the wholesale arena.
After working as a top producing wholesale sales representative for two major mortgage banks, Ms. Kim became a partner at JVM Lending where she implemented a highly efficient technology-based infrastructure and an 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. She also is in charge of the training and platform for JVM’s more recent push into the field of “Equity Conversion” for senior citizens.
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 11 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.
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