JVM Lending is dedicated solely to Residential Real Estate Financing. We assist with all aspects of purchase money financing, as well as refinancing existing loans. JVM’s Mission is to make the loan process as quick, as clear and as simple as possible.

With wholesale relationships with over 50 lenders and the ability to “shop” among them, JVM can virtually guarantee the lowest rates and fastest closing times.

The experts at JVM are trained to spot and address all issues up front to ensure nothing surfaces at the proverbial “11th hour”.

In addition, our experts strive to pair all borrowers with the financing that best suits their needs.

Free Pre-Approvals:

For those of you shopping for a home, the experts at JVM are more than happy to formally “Pre-Approve” you, free of charge. We provide strongly worded “Pre-Approval Letters” to attach to all offers. Sound Pre-Approval letters are absolutely necessary for the serious consideration of offers.

Free Consultations:

For those of you just looking for information about your credit, about your qualifications, about possible payments, about tax ramifications, or about anything else, the experts at JVM are more than happy to assess your qualifications and discuss anything you so desire. Again, this is free of charge, and you are welcome to call, email or come into our office.

Properties Financed:

Single Family Residences; Low, Mid, and High-rise Condominiums; Planned Unit Development Units; Townhouses; TICs; Duplexes; Triplexes; and Fourplexes.

Types of Loans:

I. FHA

a. Owner Occupied only
b. Low Balance to $417,000
c. High Balance to $729,750
d. 5/1 ARMs
e. 15 Year Fixed
f. 30 year Fixed

II. CONFORMING

a. Owner Occupied
b. 2nd Home
c. Non-Owner or Investment Property
d. Low Balance to $417,000
e. High Balance to $729,750
f. 3/1 ARMs
g. 5/1 ARMs
h. 10/1 ARMs
i. 15 Year Fixed
j. 30 Year Fixed

III. JUMBO

a. Loan Amounts to $5 million
b. 5/1 ARMs
c. 7/1 ARMs
d. 10/1 ARMs
e. 30 Year Fixed

IV. PORTFOLIO

a. Stated Income
b. Unusual Properties
c. 5/1 ARMs

V. HARD MONEY

a. Non-owner Occupied only
b. 2 to 5 Year Terms
c. No Income Verification
d. 65% Loan-to-Value