JVM’s Blog

Your Trusted Guide for Mortgages & Real Estate

Latest Articles

Refinancing During Chapter 13 Bankruptcy in Georgia

Navigating your financial recovery during a Chapter 13 bankruptcy in Georgia can be daunting, especially if you're looking to refinance your home. Thankfully, refinancing isn't just a possibility;...

April 12, 2024 8 min read
While their son plays nearby, the mid adult parents read important paperwork very carefully in front of their home.

Terrifying Class Action Suit Against UWM (Largest Mortgage Bank); Just like NAR!

We compete viciously against mortgage brokers who send their loans to United Wholesale Mortgage (UWM) – and I am going to defend those brokers and UWM equally viciously. UWM is […]

April 12, 2024 4 min read
Terrifying Class Action Suit Against UWM (Largest Mortgage Bank); Just like NAR!

Refinancing During Chapter 13 Bankruptcy in Arizona

Navigating the complexities of a Chapter 13 bankruptcy in Arizona can be daunting. Among those complexities is your mortgage. Many Arizonans wonder if they can refinance their mortgages to take...

April 12, 2024 8 min read
Older retired Asian senior couple checking and calculate financial billing together on sofa involved in financial paperwork

Don’t Let Chapter 7 Bankruptcy Ruin Your Credit or Life!

Have you thought about filing for Chapter 7 bankruptcy to free yourself from your debt burdens, and then wondered how it would impact your credit? If so, you’re not alone, as Chapter 7 bankruptcy...

April 11, 2024 8 min read
Photo of young couple analyzing their finances with documents

Refinancing During Chapter 13 Bankruptcy in Florida

Navigating through financial troubles can be daunting, especially if you're dealing with a Chapter 13 bankruptcy in Florida. But did you know that refinancing your mortgage during this challenging...

April 11, 2024 8 min read
Multiracial couple calculating home finances while sitting on the sofa

Refinancing During Chapter 13 Bankruptcy in California

Navigating through Chapter 13 bankruptcy in California can be a complex process, particularly when it comes to managing major financial decisions like refinancing your mortgage. However, with the...

April 11, 2024 7 min read
Cropped shot of a young couple going over their finances while sitting together

What’s Balance Sheet Runoff? (You Need to Know); Highest Rates in 2024; Rental Income From Departing Residence; Can Agents Do Loans?

Today’s blog is a “random show” of short and unrelated (but interesting, I promise) snippets. Interest Rates Hit Peak for 2024 Rates are their highest level of the year and […]

April 11, 2024 4 min read
What’s Balance Sheet Runoff? (You Need to Know); Highest Rates in 2024; Rental Income From Departing Residence; Can Agents Do Loans?

Inflation Comes In Hot! Rates Shoot Up; BUT – Will It Last? Maybe Not

Today’s Consumer Price Index (CPI) inflation report came in hotter than expected, and the markets went into panic mode. Rates shot way up, as rate cuts by the Fed seem less and less likely. (Rates...

April 10, 2024 4 min read
Inflation Comes In Hot! Rates Shoot Up; BUT - Will It Last

Mortgage Banks Are Reclaiming Jumbo from Commercial Banks: Why?

Not ONE of the millennials who run JVM Lending was in the mortgage industry prior to the 2008 meltdown. In their minds, it was just some ancient event like the iPhone invention, the French...

April 8, 2024 4 min read
Exterior of a home with a front porch and front door

Buy Fix and Flip Investment Properties With Only 10% Down

Are you an investor looking to buy fix and flip homes with as little cash out of pocket as possible? If so, we have the perfect loan for you. This is especially the case if you are looking to fix and...

April 5, 2024 6 min read
House getting renovating before moving in

Don’t Let Chapter 13 Bankruptcy Ruin Your Credit or Life!

Has the thought, "Does filing for Chapter 13 bankruptcy hurt my credit?" crossed your mind? If you're struggling with debt, it's a common concern. We're often approached by worried homeowners who...

April 5, 2024 8 min read
Young woman and man sitting at home and making home finances, with casual clothes

New Take On the NAR Lawsuit From An Attorney In The Trenches

My wife Heejin and I are both licensed real estate brokers. And between the two of us, we have bought and sold at least 25 properties over the years. And […]

April 5, 2024 4 min read
New Take On the NAR Lawsuit From An Attorney In The Trenches

Why ARMs Remain Awful; Is Crypto Cool for Mortgages? Rates Lower Than Last Year!

Borrowers still frequently request ARMs because they have short-term time horizons and want to save as much as they can on their mortgages. They either expect to move or sell in under 5 years, or...

April 4, 2024 3 min read
Why ARMs Remain Awful - Is Crypto Cool for Mortgages

Rates Scream Higher In Response to Hot Jobs Report! Uh Oh… Will It Last?

Rates shot way up again this morning (before pulling back) in response to an ADP employment report indicating that private payrolls increased by 184,000 in March, far exceeding estimates and hitting...

April 3, 2024 4 min read
Rates Scream Higher In Response to Hot Jobs Report! Uh Oh… Will It Last?
You are less than 60 seconds away from your quote.

Resume from where you left off. No obligations.