Mortgages without the hassle

JVM Lending is a hybrid mortgage lender headquartered in Walnut Creek, California, and a division of Vellum Mortgage, Inc. (NMLS #1657323). We provide home purchase loans, refinances, and home equity financing across 11 states, with a focus on low rates, fast closings, and a team-based service model with no commission loan officers. Borrowers and agents work directly with a full team rather than a single point of contact, backed by a 60-minute response guarantee during business hours.

Learn more on our About Us page or read our client testimonials.

JVM Lending is licensed to originate mortgages in 11 states: Arizona, California, Florida, Georgia, Idaho, Illinois, Louisiana, Massachusetts, Oregon, Tennessee, and Texas. We’re a division of Vellum Mortgage, Inc., NMLS #1657323. Full licensing details are available on the NMLS Consumer Access site.

If your home purchase or refinance is in one of these states, visit our locations page for state-specific information or check today’s rates.

We eliminated the loan officer role to offer lower rates and better service. Traditional loan officers earn commissions that get baked into your rate, and they often act as communication bottlenecks because every detail flows through one person. Instead, every JVM client works with a full team where every member knows your file in detail. The result: lower rates, faster responses (guaranteed within 60 minutes during business hours), and consistent service no matter who you reach.

Read more about our no loan officer model or learn about our company.

JVM Lending can close most purchase loans in as little as 10 calendar days from contract to keys, compared to the industry average of 30 to 45 days. This speed comes from in-house underwriting, a dedicated local appraiser network, and a fully pre-underwritten pre-approval process that removes most surprises before you’re in escrow. VA loans require longer (typically 21 days) because of third-party VA appraisal timelines. A fast close also makes your offer more competitive, since sellers prioritize certainty of closing.

Learn more about our fast 10-day close or get pre-approved to start.

JVM Lending combines low rates (marketed at roughly 0.25% below the national average), fast closings (as little as 10 days), and a team-based service model with no commission loan officers. We back our process with the Rate Drop Free-fi™ program (refinance for free if rates fall within 36 months), a 60-minute response guarantee, 7-day-a-week availability, and a 5.0-star rating across 1,300+ reviews. Our pre-approvals are fully pre-underwritten, which means stronger offers and fewer last-minute surprises.