JVM’s Blog

Your Trusted Guide for Mortgages & Real Estate

Latest Articles

Alternatives to Bankruptcy: A Comprehensive Guide

Are you struggling with significant debt and thinking about bankruptcy? Before you decide, it's crucial to understand all your options. This guide provides clear and practical alternatives to...

April 23, 2024 15 min read
A person is using sticky notes on their laptop

Chapter 11 vs Chapter 13 Bankruptcy: What’s The Difference?

When facing financial difficulties, it's essential to know your options. Although bankruptcy may appear daunting, it can be a strategic solution for recovery. In this guide, we'll explore the...

April 23, 2024 10 min read
Two people sitting at a table with a laptop and papers

Hedge Fund Real Estate Investors Are DESTROYING The Residential Real Estate Market! (or not…)

Americans love to hate on “BIG!” Big tobacco, big pharma, big oil, big food, and my own personal bête noire – “big bank!” These guys use their political clout and capital to crowd out the...

April 22, 2024 4 min read
Hedge Fund Real Estate Investors Are DESTROYING The Residential Real Estate Market! (or not…)

Why The U.S. Can Print Money With No Inflation – But Other Countries Can’t

There is probably no more important concept for people to understand than this: why can the U.S. print so much money without inflation when other countries can’t? It is so important because so many...

April 19, 2024 5 min read
Why The U.S Can Print Money With No Inflation – But Other Countries Can’t

Navigating Home Equity Loans After Bankruptcy

If you're one of the many individuals who have recently navigated the challenging process of bankruptcy, you might be wondering about the possibility of borrowing against your home equity. While...

April 19, 2024 7 min read
A small house with a white picket fence in front of it

Appraised Value Can’t Exceed Highest Comps; Appraised Value ≠ Market Value; WHY WE NEED AGENTS!

We had an appraisal come in $40,000 under contract a few weeks ago – and both the buyers and sellers were furious… solely because they did not understand appraisal guidelines.

April 18, 2024 4 min read
Appraised Value Can’t Exceed Highest Comps

Fannie & Freddie Supporting Agent Commissions, But…Has Anything Changed?

FHA allows buyers to finance their upfront mortgage insurance premium (MIP) equal to 1.75% of the loan amount. So, while FHA loans are ostensibly 96.5% loan-to-value, they are effectively around...

April 17, 2024 3 min read
Fannie & Freddie Supporting Agent Commissions, But…Has Anything Changed

Can I Buy A House After Bankruptcy?

Are you wondering if you can buy a house after bankruptcy? While it comes with its challenges, notably rebuilding credit and navigating waiting periods for mortgage qualifications, it is certainly...

April 16, 2024 13 min read
A row of houses in the suburbs

How Long After Chapter 13 Can I Sell My House?

If you want to sell your house while in the midst of Chapter 13 bankruptcy, you likely have several questions about the process, legal requirements, and timing. In this blog, we'll explore the...

April 15, 2024 8 min read
sold house with blurred family on background

How Long After Bankruptcy Can I Get A Mortgage?

Filing for bankruptcy is a significant decision with lasting effects on your financial landscape, but does it mean losing your home? The answer isn't straightforward and heavily depends on the type...

April 15, 2024 10 min read
Roof shingles with house on top of the house. dark asphalt tiles on the roof background on afternoon time. dark asphalt tiles on the roof background

Refinancing During Chapter 13 Bankruptcy in Tennessee

For many residents in Tennessee, filing for Chapter 13 bankruptcy protection is a strategic move to regain control over their financial situation. Unlike a Chapter 7 bankruptcy, which involves...

April 15, 2024 6 min read
Young couple talking to their agent on a meeting in the office

Refinancing During Chapter 13 Bankruptcy in Massachusetts

Chapter 13 bankruptcy, often referred to as a "wage earner's plan," allows individuals with regular incomes in Massachusetts to develop a plan to repay all or part of their debts. During this...

April 15, 2024 6 min read
A couple enjoys the early October weather as they have a conversation walking along the iconic Sandwich Boardwalk that crosses Mill Creek and the salt marsh and leads tp Town Neck Beach

Israel-Iran War – Impact On Rates; Price of Gold; What Do Billionaire Insiders Know?

Rates are way up this morning again, and nobody is happier about that than me – even though these high rates are extremely costly for JVM and the mortgage and real estate industries. On Saturday, I...

April 15, 2024 4 min read
Israel-Iran War – Impact On Rates; Price of Gold; What Do Billionaire Insiders Know?

Refinancing During Chapter 13 Bankruptcy in Oregon

Navigating your financial recovery during a Chapter 13 bankruptcy in Oregon 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
Couple doing home finances together at home
You are less than 60 seconds away from your quote.

Resume from where you left off. No obligations.