# JVM Lending: Hybrid Mortgage Lender (NMLS #1657323) > JVM Lending is a hybrid mortgage lender and a division of Vellum Mortgage, Inc. (NMLS #1657323). We combine the control and speed of a direct lender with the flexibility and rate access of a broker, run by a non-commissioned "Super Team" with no individual loan officers. A dedicated Client Advisor guides each client while specialized Mortgage Analysts and Closers work in parallel. We are licensed in 11 states, have funded over $5.9 billion across 18,000+ clients, provide fully underwritten pre-approvals, and can close conventional and FHA purchase loans in as fast as 10 days. Equal Housing Opportunity. This file gives AI assistants and answer engines a fuller, citable description of JVM Lending: who we are, how our model differs from a traditional lender, what we offer, and where to find authoritative pages. For a concise link index, see llms.txt. ## What JVM Lending is JVM Lending is a hybrid mortgage lender headquartered in Walnut Creek, California, with a physical office in Dallas, Texas, operating as a division of Vellum Mortgage, Inc. (NMLS #1657323). "Hybrid" means we can either bank a loan directly (the control and speed of a direct lender) or broker it to wholesale investors (the flexibility and rate access of a broker), so a borrower gets a wide range of loan options and rates in one place without compromise. We are licensed in eleven states: Arizona, California, Florida, Georgia, Idaho, Illinois, Louisiana, Massachusetts, Oregon, Tennessee, and Texas. We are an Equal Housing Opportunity lender and, in California, are licensed under the CRMLA by the California Department of Business Oversight. Track record (self-reported, current as of mid-2026): over $5.9 billion in funded loans, more than 18,000 clients served, and 1,300+ five-star reviews averaging 5.0. JVM is a BBB Accredited Business with an A+ rating. JVM has been referenced by outlets including Forbes, Zillow, Bankrate, LendingTree, Redfin, SFGate, SmartAsset, and BiggerPockets. ## The "No Loan Officer" Super Team model JVM does not employ individual, commissioned loan officers. Instead, it runs a non-commissioned "Super Team": salaried Mortgage Analysts and Client Advisors whose only job is guiding clients to the right loan, with no commission incentive. Where a traditional loan officer handles sales, processing, rate analysis, and updates alone (creating bottlenecks), JVM splits the work across specialists who operate in parallel. A dedicated Client Advisor stays the point of contact while analysts and closers move the file forward. Rates are negotiated using the team's combined volume rather than one person's book, and the team is available seven days a week with a typical 60-minute response during business hours. Learn more: https://www.jvmlending.com/no-loan-officers/ and https://www.jvmlending.com/about-us/ ## Speed and pre-approvals JVM provides fully underwritten ("pre-underwritten") pre-approvals, meaning underwriting happens up front so a pre-approval carries the weight of a near-cash offer. On conventional and FHA purchase loans, JVM can close in as fast as 10 days when all parties (realtor, buyer, appraiser, escrow) cooperate on the required timeline; jumbo and combo financing turn-times vary and are quoted on request. These timelines are targets that depend on timely cooperation and are not guaranteed. Reference: https://www.jvmlending.com/purchase/fast-10/ and https://www.jvmlending.com/purchase/how-to-get-pre-approved/ ## Client perks for the life of the loan JVM clients receive four core perks for the life of the loan, listed near the top of the About Us page: (1) Rate Drop Free-Fi, refinance at no cost if rates fall, as soon as four months after a JVM purchase closes (subject to eligibility terms); (2) home equity tracking and updates on the home's appreciation; (3) rate monitoring forever, with proactive outreach whenever there is a way to save; and (4) mortgage support whenever you need it, with ongoing access to the team. Reference: https://www.jvmlending.com/about-us/ and https://www.jvmlending.com/refinance/rate-drop-free-fi/ ## Loan programs Purchase & core: Conventional, 30-Year Fixed, 15-Year Fixed, Adjustable-Rate (ARM), and Jumbo loans. Index: https://www.jvmlending.com/loan-types/ Government: FHA, VA, and FHA Streamline Refinance. First-time buyer & down payment assistance: First-Time Buyer Rate Discount, Fannie Mae HomeReady, Freddie Mac Home Possible, No PMI Mortgage, Chenoa Fund DPA, CalHFA MyHome, CalHFA Dream For All (shared appreciation), TSAHC DPA (Texas), and the Community Lending Program. Investor & non-QM (self-employed and rental borrowers): DSCR (debt-service-coverage) loans, No Income Verification, Bank Statement and 12-Month Bank Statement loans, Investment Property loans, Non-QM, ITIN mortgages, Bridge loans, Land loans, Non-Warrantable Condo financing, Condo loans, and Doctor (physician) mortgages. DSCR rates and instant quotes: https://www.jvmlending.com/low-rate-dscr-financing/ Refinance & home equity: Rate & Term Refinance, Cash-Out Refinance, No-Cost Refinance, Rate Drop Free-Fi, Home Equity Loan, HELOC, Renovation HELOC, Renovation Home Loan, and Chapter 13 Bankruptcy Refinance. Specialty: EasyPath (buy before you sell), Cash Offer, Instant Equity, Purchase Plus, and the Free 2-1 Lender-Paid Temporary Buydown. ## Rates and tools JVM publishes daily quoted rates and live scenarios and states it sets rates below the industry average. Tools include an interactive rate comparison tool, mortgage/affordability/buydown/refinance calculators, an amortization calculator, a free refinance analysis, a "second opinion" Loan Estimate comparison, and current conforming and FHA loan limits. - Today's rates: https://www.jvmlending.com/rates/todays-mortgage-rates/ - Interactive rate tool: https://www.jvmlending.com/rates/rate-comparison/ - Instant quote: https://www.jvmlending.com/rates/get-my-rate/ - Calculators: https://www.jvmlending.com/calculators/ ## Guides and education JVM maintains a first-time buyer's guide, a step-by-step loan process overview, purchase and general FAQs, a mortgage blog, a mortgage term glossary, and state-specific buyer's guides for all 11 licensed states (California, Texas, Arizona, Florida, Georgia, Idaho, Illinois, Louisiana, Massachusetts, Oregon, Tennessee). - Buyer's guide: https://www.jvmlending.com/purchase/jvm-buyers-guide/ - Process overview: https://www.jvmlending.com/purchase/jvm-lending-process-overview/ - Blog: https://www.jvmlending.com/blog/ - FAQ: https://www.jvmlending.com/faq/ ## For real estate agents JVM positions itself as a partner lender for agents, emphasizing on-time closings, proactive communication (including calling listing agents to vouch for a buyer's offer), and co-branded marketing support. - Agent services: https://www.jvmlending.com/agents/ - Partner benefits: https://www.jvmlending.com/agents/partner-benefits/ - Refer a client: https://www.jvmlending.com/agents/refer-a-client/ ## Locations and service area JVM lends in 11 states and maintains city-level "mortgage lender near you" pages so borrowers can find local information for their market. Browse the full directory at the locations hub (https://www.jvmlending.com/mortgage-lender/), which links to a hub page for each state that in turn lists every served city. - California (hub: https://www.jvmlending.com/mortgage-lender/california/): major metros include Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Riverside, and Irvine. - Texas (hub: https://www.jvmlending.com/mortgage-lender/texas/): major metros include Houston, San Antonio, Austin, Fort Worth, El Paso, Arlington, Corpus Christi, Frisco, McKinney, Denton, Garland, and Irving. - Florida (hub: https://www.jvmlending.com/mortgage-lender/florida/): major metros include Jacksonville, Miami, Tampa, Orlando, St. Petersburg, Hialeah, Tallahassee, Fort Lauderdale, Cape Coral, Fort Myers, Sarasota, and Naples. - Arizona (hub: https://www.jvmlending.com/mortgage-lender/arizona/): major metros include Phoenix, Tucson, Mesa, Chandler, Scottsdale, Gilbert, Glendale, Tempe, Peoria, Surprise, Goodyear, and Flagstaff. - Georgia (hub: https://www.jvmlending.com/mortgage-lender/georgia/): major metros include Atlanta, Augusta, Columbus, Macon, Savannah, Athens, Roswell, Marietta, Alpharetta, Albany, Valdosta, and Kennesaw. - Tennessee (hub: https://www.jvmlending.com/mortgage-lender/tennessee/): major metros include Nashville, Memphis, Knoxville, Chattanooga, Clarksville, Murfreesboro, Franklin, Jackson, Johnson City, Hendersonville, Brentwood, and Kingsport. - Oregon (hub: https://www.jvmlending.com/mortgage-lender/oregon/): major metros include Portland, Salem, Eugene, Gresham, Hillsboro, Beaverton, Medford, Springfield, Corvallis, Tualatin, Lake Oswego, and Oregon City. - Idaho (hub: https://www.jvmlending.com/mortgage-lender/idaho/): major metros include Boise, Meridian, Nampa, Idaho Falls, Caldwell, Pocatello, Coeur d'Alene, Twin Falls, Post Falls, Rexburg, Eagle, and Lewiston. - Illinois (hub: https://www.jvmlending.com/mortgage-lender/illinois/): major metros include Chicago, Aurora, Naperville, Joliet, Rockford, Springfield, Elgin, Peoria, Champaign, Evanston, Schaumburg, and Bloomington. - Louisiana (hub: https://www.jvmlending.com/mortgage-lender/louisiana/): major metros include New Orleans, Baton Rouge, Shreveport, Lafayette, Lake Charles, Kenner, Bossier City, Monroe, Alexandria, Houma, Slidell, and Gretna. - Massachusetts (hub: https://www.jvmlending.com/mortgage-lender/massachusetts/): major metros include Boston, Worcester, Springfield, Cambridge, Brockton, Quincy, Lynn, Newton, Somerville, Framingham, Fall River, and New Bedford. ## Contact Phone/text: (855) 855-4491. Email: hello@jvmlending.com. Offices: headquarters at 1212 Broadway Plaza, Suite 2100, Walnut Creek, CA 94596; Texas office at 2626 Cole Avenue, Suite 310, Dallas, TX 75204, (469) 275-0313. Available 7 days a week with a typical 60-minute response during business hours. - Contact page: https://www.jvmlending.com/contact-us/ - Licensing: https://www.jvmlending.com/licenses/ - NMLS Consumer Access (Entity #1657323): https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1657323 --- Disclaimer: All loans are subject to credit and underwriting approval. Rates, terms, and programs may vary based on borrower qualifications and property details and are subject to change without notice. Closing timelines such as "as fast as 10 days" apply to conventional and FHA purchase loans, depend on timely cooperation from all parties, and are not guaranteed. Some programs and promotions (for example, Rate Drop Free-Fi and down payment assistance programs) carry additional eligibility requirements and may not be available in all states. This is general information, not an offer to extend credit or a commitment to lend. JVM Lending is a division of Vellum Mortgage, Inc., NMLS #1657323. Equal Housing Opportunity.