We are proof that different works.
Our no-loan-officer model gives us a leg up against other mortgage lenders.
JVM consistently closes purchase transactions faster than any other mortgage lender. We are famous for our 14-day closes that get offers accepted.
JVM has some of the lowest rates available! You can see our daily quoted rates & scenarios posted here.
Unlike most mortgage companies, JVM has no commissioned loan officers. We are bona fide licensed consultants operating on your behalf.
We know how important it is to be available on the weekends. A licensed Mortgage Analyst is always on call.
You always receive responses to inquiries within 60-minutes during business hours, and are kept constantly updated on your loan status.
We help your offers get accepted. We’ll call Listing Agents on-demand to tout the strength of your offer and pre-approval.
You won’t run into delays or bottlenecks because our underwriters and funders are under the same roof and work directly with your Closing Specialist.
We take the extra time and effort to do a full “Pre-Approval” at the beginning of the process so you can make offers with confidence.
We have the most extensive training program in the industry. Our licensed Mortgage Analysts are true experts and will guide you every step of the way.
We were founded in 2006 by two grizzled mortgage industry veterans, Jay Voorhees and Heejin Kim – who were determined to do things differently – very differently. In 2008 they got their chance when the mortgage industry imploded in one of the biggest financial meltdowns in history.
People lost trust in mortgage lenders and the mortgage approval process became downright painful. Making matters worse, most loan officers couldn’t begin to keep up with all of the guideline and technology changes.
Jay and Heejin recognized these issues and sought to rectify them by completely reimagining the mortgage lending model.
First and foremost, in an effort to improve service, responsiveness and accountability, they eliminated all loan officers and replaced them with an extraordinary “super team” of highly trained and very skilled Mortgage Analysts and Closing Specialists.
They did this by ramping up their hiring standards to levels never before seen in the mortgage industry and by creating an exceptionally comprehensive training program that is also unmatched in the industry.
Once the super team was in place, Jay and Heejin quickly realized that they could be even more experimental because their team was so talented and tech-savvy.
We were able to build, implement and test new systems and software in a fraction of the time that it took traditional mortgage models.
As a result, we now have one of the most efficient and technologically advanced mortgage lending platforms in the industry. And THIS is why we are able to provide truly amazing customer experiences along with exceptionally low rates.
It is also why we have so many five-star reviews – over 1,000 and counting!
It’s now been over a decade since the infamous mortgage meltdown and we are flourishing, and we owe it all to the extraordinary hard work and talent of our “super team.”