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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?

Can Communists and Federal Reserves Control Economies Forever? No. So, Buckle Up!

Which country has far more debt than the United States? The answer is China, along with many other countries. Everyone focuses on the United States’ massive federal debt levels, but […]

April 1, 2024 4 min read
Can Communists and Federal Reserves Control Economies Forever

Cross Collateralization: How To Finance Multiple Rental Properties

Whether you have five rental properties, ten rental properties, or even 50 rental properties, our cross-collateralized single loan option with JVM Lending and Kiavi could be the perfect solution for...

March 29, 2024 7 min read
A white apartment building façade with balconies and windows.

2 Reasons Why Agents Should Alert Lenders Every Time They Make Offers

There are two huge reasons why agents should alert their lenders every time they make offers. Reason #1: Insurance Costs! Hazard insurance costs have gone exponentially higher in some areas,...

March 29, 2024 2 min read
2 Reasons Why Agents Should Alert Lenders Every Time They Make Offers

Why I Still Love Stocks – Despite the Looming Crash

I have blogged about a potential stock market crash or at least a substantial correction many times. I still think the stock market will correct, and it will likely do so this year** – but I...

March 28, 2024 5 min read
Why I Still Love Stocks – Despite the Looming Crash

Are Lot Splits After Purchase Allowed? Cross-Collateralizing 10 Properties For One Loan

Will my lender allow me to split my lot after I purchase? This is another question we frequently hear from borrowers who buy homes with large lots or who buy homes in areas where cities and counties...

March 27, 2024 3 min read
Are Lot Splits After Purchase Allowed Cross-Collateralizing 10 Properties For One Loan

Awful Disease Severely Impacting Mortgages and Real Estate! (It’s Worse Than You Think)

The disease is called Gell-Mann Amnesia and it is costing you far more business and goodwill than you can possibly imagine. And worse – we ALL suffer from it! I will explain why, but I want to...

March 25, 2024 4 min read
Awful Disease Severely Impacting Mortgages and Real Estate! (It's Worse Than You Think)
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