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Buy now & refi later for FREE when rates drop!
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Available To All Buyers
1% Down Payment
Our 1% Down Payment Loan is a unique offering that allows eligible borrowers to contribute just 1% of the purchase price as their down payment and avoid PMI.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
No PMI Required!
3% Down Payment
This program offers a robust solution to the challenges faced by many prospective homeowners!
Benefits
- No PMI = significant monthly savings
- Only requires a 3% down payment
- Flexible credit guidelines
Buy Before You Sell
Bridge Loan
A bridge loan is a short-term financing option that allows you to tap into the equity of your current property to use towards the purchase of your new home.
Benefits
- Ability to buy before selling
- 0% interest + $0 payments on funds
- Avoid the hassle of moving twice
Get A 20% Down Payment
CalHFA's Dream For All Shared Appreciation Loan
CalHFA's Dream For All Shared Appreciation Loan is a down payment assistance program for first-generation and first-time homebuyers that provides 20% towards the down payment and/or closing costs.
Benefits
- Can buy with $0 out of pocket!
- Must be a first-time homebuyer
Buy Before You Sell
EasyPath Mortgage Program
Trade up to the new home of your dreams with this innovative program that helps you qualify for a new mortgage while still on the hook for your existing mortgage.
Benefits
- More affordable than a bridge loan
- 120-day home sale guarantee
- Profit guaranteed when home sells
Lower Rates For First-Time Buyers
First-Time Buyer Rate Discount Program
First-time buyers can now get rates up to 1% LOWER permanently with JVM's Rate Discount Program.
Benefits
- Erases all rate penalties
- Helps lower your monthly payment
- Lower rates are fixed for life
Receive A $10,000 Grant
Purchase Plus Program
This unique program gives you $10,000 to help cover the costs of homeownership.
Benefits
- Receive a $10,000 homebuying grant
- Must currently live in certain geographic areas
- Exclusively for first-time homebuyers
Lower Rates & Less Interest Paid
15-Year Fixed-Rate
The shorter term makes a 15-year loan a great option for those looking to pay off their mortgage quickly and are comfortable taking on a higher monthly payment.
Benefits
- Pay off your mortgage faster
- Pay less interest
- Lower rates than 30-year mortgages
Most Popular
30-Year Fixed-Rate
This is one of the most popular mortgage loan options for a reason. The longer 30-year term means lower, fixed monthly payments over the life of the loan.
Benefits
- Low interest rates
- 3% down payment options
- Protects you against inflation risks
Ideal for Buyers Planning To Move Again
Adjustable-Rate Mortgage (ARM)
These loans offer very low interest rates for a set period (typically 5, 7 or 10 years), after which the interest rate will adjust and increase.
Benefits
- Great for buyers with short time horizons
- Lower monthly payments
- Down payments as low as 5%
Accessible Home Financing
Fannie Mae HomeReady®
This lending program is designed to make homeownership more accessible and affordable for low to moderate-income borrowers.
Benefits
- Down payments as low as 3%
- Closes fast - 14 days or less!
- Can use rental income to qualify
3% Down Payment Options
Freddie Mac Home Possible®
This lending program is designed to make homeownership more accessible and affordable for low-income borrowers.
Benefits
- Down payments as low as 3%
- Allows multiple down payment sources
- Can use rental income to qualify
Ideal For High-Cost Areas
Jumbo
Jumbo loans are a non-conforming loan option perfect for buyers looking in higher-priced locations or who have a more expansive homebuying budget.
Benefits
- Super low interest rates – available exclusively to JVM clients
- Loan amounts up to $3 million
- Mortgage Insurance (PMI) is not required
Great Pick For First-Time Buyers
FHA
FHA loans have flexible qualification requirements and low down payment options, making them a great option for first-time homebuyers.
Benefits
- 3.5% down payment options
- Flexible credit requirements
- Fast closes - as little as 14 days
Zero Down Payment
USDA
USDA mortgage loans are a zero down payment option that allows eligible homebuyers in designated rural areas to buy with 0% down.
Benefits
- Zero down payment required
- No maximum purchase price
- Home must be in USDA-designated rural area
0% Down Payment Options
VA
VA loans are available exclusively to veterans and active-duty personnel (along with their spouses) and are guaranteed by the U.S. Department of Veteran Affairs.
Benefits
- No down payment required for qualified buyers
- Low interest rates
- Flexible underwriting guidelines
Available To All Buyers
1% Down Payment
Our 1% Down Payment Loan is a unique offering that allows eligible borrowers to contribute just 1% of the purchase price as their down payment and avoid PMI.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
No PMI Required!
3% Down Payment
This program offers a robust solution to the challenges faced by many prospective homeowners!
Benefits
- No PMI = significant monthly savings
- Only requires a 3% down payment
- Flexible credit guidelines
Get A 20% Down Payment
CalHFA's Dream For All Shared Appreciation Loan
CalHFA's Dream For All Shared Appreciation Loan is a down payment assistance program for first-generation and first-time homebuyers that provides 20% towards the down payment and/or closing costs.
Benefits
- Can buy with $0 out of pocket!
- Must be a first-time homebuyer
Accessible Home Financing
Fannie Mae HomeReady®
This lending program is designed to make homeownership more accessible and affordable for low to moderate-income borrowers.
Benefits
- Down payments as low as 3%
- Closes fast - 14 days or less!
- Can use rental income to qualify
Great Pick For First-Time Buyers
FHA
FHA loans have flexible qualification requirements and low down payment options, making them a great option for first-time homebuyers.
Benefits
- 3.5% down payment options
- Flexible credit requirements
- Fast closes - as little as 14 days
3% Down Payment Options
Freddie Mac Home Possible®
This lending program is designed to make homeownership more accessible and affordable for low-income borrowers.
Benefits
- Down payments as low as 3%
- Allows multiple down payment sources
- Can use rental income to qualify
Zero Down Payment
USDA
USDA mortgage loans are a zero down payment option that allows eligible homebuyers in designated rural areas to buy with 0% down.
Benefits
- Zero down payment required
- No maximum purchase price
- Home must be in USDA-designated rural area
0% Down Payment Options
VA
VA loans are available exclusively to veterans and active-duty personnel (along with their spouses) and are guaranteed by the U.S. Department of Veteran Affairs.
Benefits
- No down payment required for qualified buyers
- Low interest rates
- Flexible underwriting guidelines
Use Your Home Equity To Get Cash
Cash-Out Refinance
A cash-out refinance gives you access to cash for home improvements, tuition, and debt consolidation by utilizing the equity you have already accumulated for your home.
Benefits
- Receive cash using your home equity
- No second mortgage required
- Access funds to renovate your home
Improve Your Financial Standing
Chapter 13 Bankruptcy Refinance
Refinancing your mortgage during Chapter 13 can provide a means of achieving financial stability and a pathway to a fresh start.
Benefits
- Consolidate or pay off debt
- Get out of bankruptcy entirely
- Lower your overall debt payments
Great For Home Improvements
Home Equity Loan
Ideal for homeowners seeking additional funds, whether for home improvements, debt consolidation, or other major expenses.
Benefits
- Avoid the variable interest rate risk
- Does not require you to refinance
- Immediate access to all funds
Avoid Paying Closing Costs
No Cost Refinance
A no cost refinance allows you to refinance your home without having to pay any money out-of-pocket for your closing costs.
Benefits
- Requires no cash out-of-pocket
- Gives you short-term savings
- Save your cash for other expenses
Get A Lower Rate
Rate and Term Refinance
A rate and term refinance allows you to lower your interest rate and improve your mortgage terms without changing the amount of money owed on your home.
Benefits
- Lower your monthly mortgage payment
- Lock in a lower interest rate
- Remove mortgage insurance
Great For Self-Employed Buyers
Bank Statement Loan
A bank statement mortgage loan is a unique type of home loan designed to cater to those with non-traditional income sources.
Benefits
- For buyers with non-traditional income
- Simplified income verification process
- More flexibility than traditional loans
Buy Before You Sell
Bridge Loan
A bridge loan is a short-term financing option that allows you to tap into the equity of your current property to use towards the purchase of your new home.
Benefits
- Ability to buy before selling
- 0% interest + $0 payments on funds
- Avoid the hassle of moving twice
No SSN Required
ITIN
These loans are designed to assist non-U.S. citizens in purchasing a home, giving access to the American dream of homeownership to more buyers.
Benefits
- Buy a home as non-U.S. citizen
- No social security number required
- No visa required
No Minimum Credit Score
No Income Verification
If you're struggling to qualify for a traditional mortgage, we have a loan that is an ideal alternative to hard money with no income verification requirements at all.
Benefits
- No income verification required
- No minimum credit scores
- Available to foreign nationals
Alternative Financing Options
Non-QM
Non-QM loans provide alternative mortgage financing options for homebuyers who may not qualify based on traditional lending requirements.
Benefits
- Ideal for buyers with large portfolios
- Qualify with non-traditional income
- Avoid providing extra documentation
Perfect For Fixer-Uppers
Renovation Loan
A renovation home loan is your golden ticket to transforming a fixer-upper into your dream home by allowing you to bundle the cost of the home and the renovation into a single mortgage loan.
Benefits
- Wrap your renovation costs into your loan
- Fast repairs let you build equity faster
- Flexible property types
Great For Real Estate Investors
DSCR
DSCR Mortgage Loans (Debt Service Coverage Ratio Loans) are a specialized type of lending product designed with real estate investors in mind.
Benefits
- Use less traditional income sources
- Improve cash flow & increase returns
- Ideal for financing investment properties
Invest In Real Estate
Investment Property
Investing in real estate is a great way to increase your monthly income by renting the property and allows you to diversify your investment portfolio.
Benefits
- Generate income through renting
- Get more tax breaks & deductions
- Build equity & increase wealth
We are committed to reinventing the mortgage lending model in order to provide outstanding service, low rates, and some of the fastest closing times in the industry.
Contact
(855) 855-4491
[email protected]
Mon – Fri: 8am – 6pm*
Sat – Sun: 10am – 5pm*
*60 minute response times during operating hours.
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