5.0 1,300+ reviews

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Extremely capable and supportive
Extremely capable and supportive

My wife and I had a fantastic experience with the JVM Lending team. Extremely capable and supportive, the team helped us through the whole process with ease and a personal touch. We can’t thank them enough!

David M.

JVM is 10 stars
JVM is 10 stars

Everything about my experience with JVM is 10 stars. They work fast, efficiently, honestly, and every single person I dealt with was amazing. I can't imagine working with another lender for future purchases!

Jenni G.

JVM Lending was hands down the best choice
The service is excellent

JVM Lending gave me a best in class lending experience! They were efficient, responsive, courteous, and lighting fast. I was able to close my mortgage loan in just over two weeks. And because there is such an emphasis on employee cross-training and putting the customer first, the service is excellent. Many thanks to the staff, especially Nik and Connie!

Farhana C.

They made buying a home seem so easy
They made buying a home seem so easy

Victor, along with his whole team was impeccable. For being first time home buyers they made buying a home seem so easy. From the start to end they were there every step of the way and made sure we understood everything that was going on. No hidden details. I appreciate everything they have done for us and for being so on top of everything. The whole timeline was right on. Took us less than a month to close escrow, get our keys and started our new beginning in our home. Again, thank you Victor, along with your whole team and JVM lending.. thank you for helping us buy our first home. We appreciate it and look forward to buying our future homes with JVM lending again.

Xiong E.

Michelin style service without the price tag
Michelin style service without the price tag

JVM is Michelin style service without the price tag. Everyone was courteous, efficient, and effective. If one person could not answer your question, they would refer to somebody else who would... Pretty quickly. We had a hard time buying this house, JVM really made it much easier, and it would have been impossible without their professionalism and aptitude.

Miles L.

Helped to win the offer on the house
Helped to win the offer on the house

This is the 5th time I've been through this process in the last few years and it was by far the smoothest with JVM. Throughout every step the JVM team was extremely communicative, their tech was super easy to work with, and I felt like everyone on their team was on the same page. They were very patient with me all throughout the process as they ran a ton of scenarios for me to figure out offer prices, credit requests, and interest rate buy-down options. They also really helped to win the offer on the house we got and I felt advocated for us with the selling side.

Dan S

Made the process very easy and transparent
Made the process very easy and transparent

I cannot say enough about this team. From the start, they were professional, timely, very friendly and AVAILABLE whenever I had a question. They made the process very easy and transparent and delivered on all promises. Thank you!!

Renee E.

Extremely capable and supportive
Extremely capable and supportive

My wife and I had a fantastic experience with the JVM Lending team. Extremely capable and supportive, the team helped us through the whole process with ease and a personal touch. We can’t thank them enough!

David M.

JVM is 10 stars
JVM is 10 stars

Everything about my experience with JVM is 10 stars. They work fast, efficiently, honestly, and every single person I dealt with was amazing. I can't imagine working with another lender for future purchases!

Jenni G.

JVM Lending was hands down the best choice
JVM Lending was hands down the best choice

"Looking for a fantastic team to help you through your home buying experience? Work with JVM now!!! As a local lender, JVM Lending was hands down the best choice and we're happy to have partnered with them for such a huge and emotional milestone of buying a home. Their team was extremely responsive and made me feel comfortable no matter how insistent I was, especially in asking the million questions they probably hear all the time. Their patience, professionalism, and empathy really shone through my entire experience working with them, and I would recommend them in a heartbeat to anyone looking for stellar lenders! Thanks again JVM team!

AQ

They made buying a home seem so easy
They made buying a home seem so easy

Victor, along with his whole team was impeccable. For being first time home buyers they made buying a home seem so easy. From the start to end they were there every step of the way and made sure we understood everything that was going on. No hidden details. I appreciate everything they have done for us and for being so on top of everything. The whole timeline was right on. Took us less than a month to close escrow, get our keys and started our new beginning in our home. Again, thank you Victor, along with your whole team and JVM lending.. thank you for helping us buy our first home. We appreciate it and look forward to buying our future homes with JVM lending again.

Xiong E.

Michelin style service without the price tag
Michelin style service without the price tag

JVM is Michelin style service without the price tag. Everyone was courteous, efficient, and effective. If one person could not answer your question, they would refer to somebody else who would... Pretty quickly. We had a hard time buying this house, JVM really made it much easier, and it would have been impossible without their professionalism and aptitude.

Miles L.

Helped to win the offer on the house
Helped to win the offer on the house

This is the 5th time I've been through this process in the last few years and it was by far the smoothest with JVM. Throughout every step the JVM team was extremely communicative, their tech was super easy to work with, and I felt like everyone on their team was on the same page. They were very patient with me all throughout the process as they ran a ton of scenarios for me to figure out offer prices, credit requests, and interest rate buy-down options. They also really helped to win the offer on the house we got and I felt advocated for us with the selling side.

Dan S

Made the process very easy and transparent
Made the process very easy and transparent

I cannot say enough about this team. From the start, they were professional, timely, very friendly and AVAILABLE whenever I had a question. They made the process very easy and transparent and delivered on all promises. Thank you!!

Renee E.

Would highly recommend to any home buyer!
Would highly recommend to any home buyer!

We're first time homebuyers and JVM Lending was recommended to us by our real estate agent based on their excellent customer service, response times and seamless closing experience. We shopped around for rates after getting a very strong pre-approval from JVM that would help strengthen our offer, JVM was always willing to go the extra mile to try and match either the rates or the lower closing cost fees other lenders were willing to provide. Once our offer was accepted, both my husband and I felt so comfortable and confident with what JVM was offering us that we couldn't imagine moving forward with a better lender. All the way through the closing process, JVM was so responsive at all hours of the day, even on the weekends (big shout out to Hannah Papazian and Larisa Del Carlo Estrada!). They answered our questions, provided extreme transparency throughout the process and helped us close on time (despite a roadblock on the seller's end that JVM was more than understanding about). We loved our experience with JVM and cannot even believe how easy it was to close on our home. Would highly recommend to any home buyer!

Kasey C

They saved my clients over TEN THOUSAND dollar
They saved my clients over TEN THOUSAND dollars

I am a real Estate agent in the East Bay, so I work with a lot of lenders, that being said I was blown away by the service that JVM provided my clients. They saved my clients over TEN THOUSAND dollars by switching last minute to JVM the day our offer was accepted. It was no problem to them were able to play catch up and we closed on time! My overall experience with JVM lending was wonderful, Hannah, Jenna, Mary, and Aaron were always there when I had any questions and are just overall good people and easy to work with. All in all, it was a very smooth process from beginning to end. I love their 0% commission model and I will definitely recommend JVM to clients in the future. Thanks for everything!

Henry H.

I'm 10000% glad that we decided to go with JVM
I'm 10000% glad that we decided to go with JVM

My wife and I were working with a different mortgage broker prior to hearing about JVM through our realtor. I'm 10000% glad that we decided to go with JVM. From the initial quote/estimate process to close (and post close) has been just very exceptional. This team has a ton of knowledge and communicates very well. We all know how busy they are with the current real estate market but they still handled our non-stop questions and emails really well AND made us feel very welcomed. Exceptional customer service for sure! Beau and Erin were really awesome throughout the whole process and this team is well structured. JVM has experts covering all the important areas and processes so you can rest ASSURED! Their website portal for document submissions and your information has been well set up which makes the process easier. You know how stressful it could get with all kinds of documents that you need to submit. Can't really thank JVM enough for helping us with our first home purchase and looking forward to work with them again in the future. Thank you JVM team.

JY L.

JVM made the entire process super easy
JVM made the entire process super easy

We are first time homebuyers and JVM made the entire process super easy. We decided to go with JVM after subpar customer support experiences applying for loans at BofA and QuickenLoans. JVM didn't disappoint. They know the local market very well and helped us close a house in Benicia in 21 days. They answer questions and emails within hours, sometimes within minutes. They went above and beyond to make sure we had all the info we needed in order to make decisions throughout this stressful process. I can't think of a way they could have done better!

Jeremy B.

JVM is the best lender I've worked with
JVM is the best lender I've worked with

I've been through this process 5 times and previously worked in Real Estate. JVM is the best lender I've worked with to date. I can't sing their praises enough. They responded to all of our emails within minutes and answered our MANY questions. My husband and I are both self employed so our loan was not easy, but JVM handled it so well and was there for us through the entire process.

Lisa

National lender with small town power
National lender with small town power

Very competitive rates, incredibly customer focused processes, national lender with small town power. Everyone here seems to be fantastic. The team is very responsive. The rates are very competitive.

David

Exceptional customer service and totally stress-free
Exceptional customer service and totally stress-free

JVM was referred by my son and I must say that I have never in my life experienced a more organized group of individuals. The whole process was unreal! Exceptional customer service and totally stress-free! Everything is done online and the process is seamless. I can't say enough about JVM Lending and its team of skilled professionals. If you want someone to handle your home loan, get it done quickly, and without the added stress, then you need to check them out. You won't regret it!

Leah T.

Would highly recommend to any home buyer!
Would highly recommend to any home buyer!

We're first time homebuyers and JVM Lending was recommended to us by our real estate agent based on their excellent customer service, response times and seamless closing experience. We shopped around for rates after getting a very strong pre-approval from JVM that would help strengthen our offer, JVM was always willing to go the extra mile to try and match either the rates or the lower closing cost fees other lenders were willing to provide. Once our offer was accepted, both my husband and I felt so comfortable and confident with what JVM was offering us that we couldn't imagine moving forward with a better lender. All the way through the closing process, JVM was so responsive at all hours of the day, even on the weekends (big shout out to Hannah Papazian and Larisa Del Carlo Estrada!). They answered our questions, provided extreme transparency throughout the process and helped us close on time (despite a roadblock on the seller's end that JVM was more than understanding about). We loved our experience with JVM and cannot even believe how easy it was to close on our home. Would highly recommend to any home buyer!

Kasey C

They saved my clients over TEN THOUSAND dollar
They saved my clients over TEN THOUSAND dollars

I am a real Estate agent in the East Bay, so I work with a lot of lenders, that being said I was blown away by the service that JVM provided my clients. They saved my clients over TEN THOUSAND dollars by switching last minute to JVM the day our offer was accepted. It was no problem to them were able to play catch up and we closed on time! My overall experience with JVM lending was wonderful, Hannah, Jenna, Mary, and Aaron were always there when I had any questions and are just overall good people and easy to work with. All in all, it was a very smooth process from beginning to end. I love their 0% commission model and I will definitely recommend JVM to clients in the future. Thanks for everything!

Henry H.

I'm 10000% glad that we decided to go with JVM
I'm 10000% glad that we decided to go with JVM

My wife and I were working with a different mortgage broker prior to hearing about JVM through our realtor. I'm 10000% glad that we decided to go with JVM. From the initial quote/estimate process to close (and post close) has been just very exceptional. This team has a ton of knowledge and communicates very well. We all know how busy they are with the current real estate market but they still handled our non-stop questions and emails really well AND made us feel very welcomed. Exceptional customer service for sure! Beau and Erin were really awesome throughout the whole process and this team is well structured. JVM has experts covering all the important areas and processes so you can rest ASSURED! Their website portal for document submissions and your information has been well set up which makes the process easier. You know how stressful it could get with all kinds of documents that you need to submit. Can't really thank JVM enough for helping us with our first home purchase and looking forward to work with them again in the future. Thank you JVM team.

JY L.

JVM made the entire process super easy
JVM made the entire process super easy

We are first time homebuyers and JVM made the entire process super easy. We decided to go with JVM after subpar customer support experiences applying for loans at BofA and QuickenLoans. JVM didn't disappoint. They know the local market very well and helped us close a house in Benicia in 21 days. They answer questions and emails within hours, sometimes within minutes. They went above and beyond to make sure we had all the info we needed in order to make decisions throughout this stressful process. I can't think of a way they could have done better!

Jeremy B.

JVM is the best lender I've worked with
JVM is the best lender I've worked with

I've been through this process 5 times and previously worked in Real Estate. JVM is the best lender I've worked with to date. I can't sing their praises enough. They responded to all of our emails within minutes and answered our MANY questions. My husband and I are both self employed so our loan was not easy, but JVM handled it so well and was there for us through the entire process.

Lisa

National lender with small town power
National lender with small town power

Very competitive rates, incredibly customer focused processes, national lender with small town power. Everyone here seems to be fantastic. The team is very responsive. The rates are very competitive.

David

Exceptional customer service and totally stress-free
Exceptional customer service and totally stress-free

JVM was referred by my son and I must say that I have never in my life experienced a more organized group of individuals. The whole process was unreal! Exceptional customer service and totally stress-free! Everything is done online and the process is seamless. I can't say enough about JVM Lending and its team of skilled professionals. If you want someone to handle your home loan, get it done quickly, and without the added stress, then you need to check them out. You won't regret it!

Leah T.

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Buy A Home

Increase the odds of getting your offer accepted.

  • We pre-underwrite you to clear the way for an easy close
  • We make sure you stand out against other offers
  • We call the listing agent to brag about you

JVM's Famous Fast 14

Go from accepted offer to keys in your hands in just 14 days.

Our 14 calendar day close increases the odds of getting your offer accepted and lets you get into your new home at record speed.

Refinance Your Home

Refinancing has never been so easy.

  • Refinance with no out-of-pocket costs!
  • We provide you with a free Home Value Estimate
  • Our experts will perform a complete Refi Analysis to optimize your savings

We’ll find the right loan for you.

Most Popular

30-Year Fixed-Rate

  • Low & stable payments that never increase
  • Accessible for all buyers
  • Useful for all property types
Lowest Rates

First-Time Buyer Rate Discount
Program

  • Rates LOWER by 1%
  • Only needs 3% down payment
  • Eligible for lower mortgage insurance

24+ OTHER Loan Types

  • No PMI Loan Options
  • FHA + VA
  • Non-QM
  • Refinance
Buy Before Selling

0% Bridge Loan

  • 0% interest & $0 payments on funds
  • Fast closings - as fast as 14 days!
  • Sell up to 7 months after buying

Mortgage Calculators

5.0 out of 5

based on 1,300+ reviews

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We ensure our rates are always among the lowest in the industry and ~ 0.25% LOWER than the national average.

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