Jay Voorhees

jayv@jvmlending.com | 925-838-9932
DRE#: 1197176 | NMLS#: 310167

Jay Voorhees is the broker/owner of JVM Lending. Mr. Voorhees earned his BA in Economics in 1985 from the University of Arizona, and his JD from Arizona State University in 1990. Mr. Voorhees moved to California in 1990 after accepting a position with Wells Fargo Bank during his final semester of law school. He transitioned to mortgage banking in 1994.

Mr. Voorhees has served thousands of clients throughout California, having solely funded well over $1 billion in mortgage loans over a 19 year career. Mr. Voorhees recognized the enormous changes in the industry in 2008 and completely revamped JVM Lending, with a tremendous commitment to employee training and expertise. He implemented far more demanding hiring standards and he solely developed JVM’s very extensive and industry-renowned training program that all JVM employees undergo. In addition to writing all content for JVM’s widely-known and resourceful website, Mr. Voorhees also writes a daily mortgage blog that is emailed to and viewed by thousands of readers every day.

Mr. Voorhees takes enormous pride in the fruits of his labor, including: (1) a thriving business based entirely on referrals from raving fans; (2) the most talented employees in the industry; (3) hundreds of glowing testimonials; and (4) 100% five-star Yelp reviews. Mr. Voorhees looks forward to the continued expansion of JVM’s commitment to expertise and service.

Heejin Kim

heejink@jvmlending.com | 925-588-4040
DRE#: 1130164 | NMLS#: 325464

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 proved invaluable as JVM transitioned to a company renowned for its expertise, efficient operations and extraordinary service.

Currently, Ms. Kim co-manages JVM Lending, focusing on operations, finance, and outside marketing.
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 15 year old daughter.

Christopher Baker

chrisb@jvmlending.com | 415-307-5626
DRE#: 1072816 | NMLS#: 325468

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.

Jenna Armstrong

jennaa@jvmlending.com | 925-208-4394
DRE#: 01922239

Jenna Armstrong works as a Mortgage Analyst and brings with her five years of experience in project management and customer service. With a diverse employment background, she has been exposed to various industries including higher education and government-funded projects, all of which have helped to hone her analytical skills and detail-oriented nature.

Jenna attended UC Davis and earned Bachelor of Arts degrees in both Psychology and Music. While in college, she participated in various vocal performance groups and was an active member of her church community. Today she resides in Walnut Creek with her husband. On the weekends you can find her photographing weddings or children, traveling or enjoying good friends and family!

Jessica Banuelos

jessicab@jvmlending.com | 925-855-4492
DRE#: 1919561 | NMLS#: 1034044

Jessica Banuelos is one of JVM’s most multi-talented Loan Processors. 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’s 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.

Cynthia Clark

cynthiac@jvmlending.com | 925-913-4615
DRE#: 1755414 | NMLS#: 1013246

Cynthia Clark is a personable and dedicated Mortgage Analyst who has the motivation to go the extra mile for all of JVM’s clients. She is attentive, thorough, and lauded for being highly analytical when it comes to mortgage financing. Each of her skills and attributes have contributed to her track record of facilitating and delivering results in both independent and collaborative settings, and have brought her nothing but success in her everyday interchanges with JVM clientele.

Cynthia graduated with honors from UC Berkeley after completing a Bachelor’s Degree in History. While in college, Cynthia worked as a mentor to the SAGE Project, an influential one-on-one mentoring program serving elementary schools in Oakland and Berkeley, and acted as a class resource to the Disabled Students’ Program. Before joining the JVM team, Cynthia had the unforgettable opportunity to teach kindergarten in Chiang Mai, Thailand. Today, she enjoys spending time with family and friends, live music, traveling, and cooking. Go Bears!

Shauna Cox

shaunac@jvmlending.com | 925-272-0728

Shauna Cox is one of JVM Lending’s most valuable assets because of her vast amount of industry expertise. This expertise has prepared Shauna to manage two very demanding positions at JVM. Shauna is an exceptionally experienced and highly coveted Senior Loan Processor, and she is also JVM’s Assistant Director of Compliance. 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 16 years.

Karissa Johnmeyer

karissaj@jvmlending.com | 925-357-3074

Karissa was born and raised in Texas and has only recently moved to California. She brings to JVM numerous years in the customer service and business operations fields. Her most recent experience included 4 years as an Admin Director at Texas A & M University. Karissa has an upbeat attitude and positive outlook that elevates those around her; she is not afraid of a challenge and genuinely enjoys problem solving; and she is focused on providing excellent customer service and representing JVM in the community.

She obtained a Bachelor of Science in Family and Development Studies from the University of North Texas where she excelled academically. While in college, she also participated as a community volunteer with several organizations such as the Special Olympics, Buddy Walks, and Ronald McDonald centers. She enjoys meeting new friends and being with family. Today, she resides in the East Bay area with her husband and daughter.

Eunice Kwon

eunicek@jvmlending.com | 925-855-3676

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 one-year old son.

Erin Piper

erinp@jvmlending.com | 925-855-4488
DRE#: 1916542 | NMLS#: 1010499

Erin Piper works as a Senior Mortgage 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 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

katiep@jvmlending.com | 925-272-0700
DRE#: 1919563 | NMLS#: 1030238

As a Loan Processor, Katie is responsible for the back 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 then processes each clients’ loan through funding while offering the best and most tailored customer service.

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. 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.

Tiffany Stolte

tiffanys@jvmlending.com | 925-855-4491

Tiffany Stolte holds one of JVM Lending’s most dynamic positions as a Front Desk Manager. With a meticulous attention to detail and a captivating personality, Tiffany has been a valuable addition to JVM’s front office operations. She seamlessly maintains the appraisal desk, marketing duties, data statistics and metrics analysis while gracefully liaising with clients, realtors and representatives.

Tiffany graduated from the University of California, Berkeley with a Bachelor’s Degree in Political Science where she balanced a rigorous course load with an active role in U.C. Berkeley’s college community and a demanding work schedule. Due to this, Tiffany acquired and perfected unrivaled skills in organization and efficiency. After graduation, Tiffany began working at Safeway where her demonstrated leadership and enthusiasm were essential to her success.

She currently lives in Concord with her new kitten, Posey. In her free time she enjoys traveling, playing the flute, and cheering on the Giants!

Denise Truono

deniset@jvmlending.com | 925-272-0692
DRE#: 1850208 | NMLS#: 847680

Denise Truono wears two extremely important hats at JVM Lending. She is very proud to be the head of JVM’s extraordinarily unique and rigorous Mortgage Analyst Training Program. She is also JVM’s Director of Compliance – a position made necessary by the increased regulatory demands in the industry. Denise ensures that JVM’s procedures and practices are in compliance with all major regulators including HUD, the Consumer Finance Protection Bureau, and the Department of Real Estate.

Denise is well-suited for both of her roles, having 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 for eight years with Aegis Wholesale, the 10th largest mortgage lender in America. Denise’s integrity and exceptional accountability were instrumental in funding over $500,000,000 in loans at Aegis. 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 and currently resides in Benicia. In her spare time, Denise enjoys traveling, hiking, reading historical novels and baking.

Cody Voorhees

codyv@jvmlending.com | 925-913-4605
DRE#: 1922293 | NMLS#: 987186

Cody Voorhees graduated from Arizona State University with a B.S. in Economics. After graduating, Cody managed the sales department for a chess instruction business where he tripled the gross income of the Products Department in less than a year.

Despite his success, Cody’s interest shifted to the mortgage industry to better fit his longtime interest in finance and his desire for more professional growth and opportunity. Cody’s excellent organizational and communication skills make him perfectly suited for JVM’s Marketing Assistant role through which Cody handles JVM’s new business development. Cody’s dual role as a Mortgage Analyst also has him assisting new clients as well as engaging in JVM’s extremely demanding training program.

Cody enjoys playing chess, dirt biking, hiking and skiing. He is also a skilled musician and vocalist who has played key roles in several social choirs and bands. Cody lives in Walnut Creek, and on weekends you are sure to find him enjoying the myriad outdoor activities available in the Bay Area. Cody also speaks Spanish fluently.

Melody Yang

melodyy@jvmlending.com | 925-357-3086

Melody Yang is a highly motivated, responsible, and hard working Mortgage Analyst. Her caring nature and her cheerful attitude make her the ideal candidate for working with clients from all types of backgrounds. She is resourceful and is determined to work through any problem she encounters.

Her diverse employment background has taught her to be highly organized and efficient even under the most stressful of environments.

Melody attended UC San Diego and graduated with a Bachelors of Arts in Psychology and a Bachelors of Science in Human Biology. Her determination and hard work found her recognition in the academic research realm, in the form of scientific journal publications and government grant money. All the while, she never ceased to be an active member of her church community and remained involved in numerous community service projects as well.

She currently resides in El Cerrito with her husband and her pet parrotlet (miniature parrot, about 3 inches tall). In her free time, she enjoys exploring local eateries, taking photos with her beloved Nikon camera, and taking walks in the park with her husband and her pet bird.

Chingchi Yu

chingchiy@jvmlending.com | 925-743-7804

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 7-year old son, the loves of her life.

Mary Day

maryd@jvmlending.com | 925-464-7216

Mary Day has joined the JVM team as bookkeeper and accounting assistant. She has a diverse background including sales, customer service and office management. She has focused on bookkeeping for the past 15 years. She holds a Bachelors of Arts degree in Psychology from the University of California at Berkeley and in 2010 obtained a Certificate in General Accounting from Diablo Valley College.

Mary is a Bay Area native. She was born and raised in Marin County, attended college at Cal and now resides in Danville. She enjoys spending time with her family which includes her husband, a retired military officer, a son and daughter, and now young grandchildren. She is an avid Cal football fan.