5.0 1,300+ reviews

Mortgages without the hassle

We have the low rate you've been looking for.

  • 2 min
  • No credit pull
  • No commitment

Buy A Home

Shop confidently with a rock-solid pre-approval.

Refinance

Get a lower rate and better loan terms.

Get Cash Out

Get a HELOC or take cash out of your home.

5.0 670+ Reviews
4.9 165+ Reviews
5.0 422+ Reviews

1,300+ people can’t be wrong

Loan programs that other lenders can't beat

Loan programs that other lenders can't beat
Neighborhood Saver Loan

Get a credit of up to $16.5K to lower your homebuying expenses.

Get started
EasyPath Bridge Loan

Buy your new home before you sell for a flat $2,500¹ fee and a guaranteed sale of your old home.

Get started
Rate Drop Free-fi TM

Buy now and refinance later for free² when rates drop.

Get started

We’re not your typical lender

JVM Lending is a Hybrid Mortgage Lender. We combine the control and speed of a direct lender with the flexibility and rate access of a broker, powered by a non-commissioned Super Team structure.

Traditional Loan Officer Model
  • One person handles sales, processing, rate analysis, and client updates
  • Generalist approach spread across every function
  • Bottlenecks when your loan officer gets busy
  • Rates negotiated using one person's individual volume
  • Limited to one person's schedule and capacity
JVM Super Team Model
  • A dedicated Client Advisor guides you while specialists handle the rest
  • Each team member goes deep in their area of expertise
  • Team works in parallel to close in as fast as 14 days
  • Low rates negotiated using the team's combined $5.9+ billion of volume
  • Available 7 days a week with 1-hour response times during business hours
5.0 670+ Reviews
4.9 165+ Reviews
5.0 422+ Reviews

Buy A Home

Refinance

Get Cash Out

Most popular

30-Year Fixed-Rate 30-Year Fixed-Rate
15-Year Fixed-Rate 15-Year Fixed-Rate
FHA FHA
Jumbo Jumbo
VA VA
Bridge Loans Bridge Loans
See all loan types

SPECIAL PROGRAMS

First-Time Buyer Discount JVM's FREE 2-1 Rate Buydown

Lower your rate for 2 years!

JVM's EasyPath JVM's EasyPath

Easiest way to buy before selling

JVM's Neighborhood Saver JVM's Neighborhood Saver

Get a 2% lender credit

JVM's Rate Drop Free-fi™ JVM's Rate Drop Free-fi™

Refinance at no cost

Which home loan is best for you?

Which home loan is best for you?

  • Takes 30 seconds
  • No personal info required
Home Loans

We're here to make your mortgage as easy as possible.

Next steps

Get Pre-Approved Get Pre-Approved

See what you can afford

Homebuying Process Homebuying Process

Know what to expect

First-Time Buyer Guide First-Time Buyer Guide

Everything newbies need to know

LEARN

JVM's Rate Drop Free-fi™ JVM's Rate Drop Free-fi™
First-Time Buyer Discount First-Time Buyer Discount
Homebuying Tools Homebuying Tools
Why We Have No Loan Officers Why We Have No Loan Officers
Free Analysis Refinance

Find out whether you're missing out on monthly savings:

REFINANCE LOANS

Rate & Term Refinance Rate & Term Refinance
Cash-Out Refinance Cash-Out Refinance
No Cost Refinance No Cost Refinance
Home Equity Loans Home Equity Loans

GET SAVING

Should I Refinance? Should I Refinance?

See what makes sense for you

Refinance Tools Refinance Tools

Learn all about refinancing

JVM Rate Watch JVM Rate Watch

Get notified when rates drop

oday's Mortgage Rates
oday's Mortgage Rates Today's Mortgage Rates

See rates in real time

Today's Mortgage Rates
Interactive Rate Tool
Interactive Rate Tool Interactive Rate Tool

Compare different loans & rates

Interactive Rate Tool
DSCR Rates
DSCR Rates DSCR Rates

Our best investor loans and rates

Get My Instant Rate Quote

WHY PARTNER WITH US

Agent Partner Benefits Agent Partner Benefits

We're the lender that builds your business. When you succeed, we succeed!

AGENT TOOLS

Refer A Client Refer A Client
Order Co-Branded Marketing Materials Order Co-Branded Marketing Materials
Check Today's Rates Check Today's Rates

Want to take your business to the next level?

Join our agent partner network

HELPFUL TOOLS

Credit Bureau Opt-Out Credit Bureau Opt-Out

Avoid unwanted spam calls

Interactive Rate Tool Interactive Rate Tool

Play around with the numbers

Compare Loan Estimates Compare Loan Estimates

Get a second opinion

 
Homebuyer Tools Homebuyer Tools
Mortgage Blog Mortgage Blog
Find A Realtor Find A Realtor
Mortgage Term Glossary Mortgage Term Glossary

CALCULATORS

Mortgage Calculator Mortgage Calculator
Affordability Calculator Affordability Calculator
Rate Buydown Calculator Rate Buydown Calculator
Refinance Calculator Refinance Calculator
Amortization Calculator Amortization Calculator 

ABOUT US

Our "No Loan Officer" Model Our "No Loan Officer" Model

We're proof that different works.

Client Testimonials Client Testimonials

Our 1,300+ five-star reviews say it all!

Our Services Our Services

See what our team is doing for you behind the scenes

 
Meet Our Team Meet Our Team
Careers Careers
JVM Gives Back JVM Gives Back
Contact Us Contact Us

CONTACT

Guaranteed 60-minute responses during operating hours

Get in touch with us
You are less than 60 seconds away from your quote.
You are less than 60 seconds away from your quote.

Resume from where you left off. No obligations.