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JVM Lending |
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Traditional Bank |
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Rates |
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JVM Lending has access to wholesale mortgage rates from over 100 lenders. Rates and loan programs change daily. Our agents are able to shop rates aggressively to get our clients the best rates. |
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Bank has access to rates from a single source. |
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Customization |
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We work closely with clients to analyze their credit history and match them with the optimal loan product regardless of lender. |
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Loan officer works within the strict parameters of their Bank. |
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Overhead |
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JVM Lending is lean and efficient. This in turn allows us to provide our clients with better rates. Our wholesale rates will almost always beat the same Bank's "retail" rates. |
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Corner branch locations plus high-rise offices plus TV advertising = higher interest rates. |
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Motivation |
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We are self-employed and the majority of our business comes from referrals. By doing good work for clients, our business grows. |
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Loan officer is paid by the Bank regardless of status of your loan. |
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Flexibility |
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We can quickly shift a loan from one lender to another if market conditions or loan parameters change. |
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If loan denied or market conditions change, the Bank's ability to modify the loan is limited. |
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