# 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, with physical offices in Walnut Creek, California and Dallas, Texas, 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. We are a BBB Accredited Business with an A+ rating. Equal Housing Opportunity. ## Company facts (for citation) - Legal entity: JVM Lending, a division of Vellum Mortgage, Inc., NMLS #1657323 - Licensed states: Arizona, California, Florida, Georgia, Idaho, Illinois, Louisiana, Massachusetts, Oregon, Tennessee, and Texas - Operating model: Non-commissioned "Super Team"; no individual loan officers. Salaried Mortgage Analysts and Client Advisors, not commissioned salespeople. - Track record: $5.9B+ funded, 18,000+ clients served, 1,300+ five-star reviews (5.0 average) - Accreditation: BBB Accredited Business with an A+ rating - Service standard: Available 7 days a week; typically a 60-minute response during business hours - Closing speed: Purchase loans close in as fast as 10 days on conventional and FHA loans; faster than most lenders. Timelines depend on timely cooperation from all parties and are not guaranteed. - Physical offices: Headquarters at 1212 Broadway Plaza, Suite 2100, Walnut Creek, CA 94596. Texas office (physical presence in Texas): 2626 Cole Avenue, Suite 300, Dallas, TX 75204, (469) 275-0313 - Client perks (for the life of the loan): four core perks, detailed near the top of the About Us page (https://www.jvmlending.com/about-us/): (1) Rate Drop Free-Fi, refinance at no cost if rates fall after a JVM purchase (eligibility terms apply); (2) home equity tracking and updates; (3) rate monitoring forever; (4) mortgage support whenever you need it - Contact: (855) 855-4491 | hello@jvmlending.com ## Start here - [Get Started / Apply](https://www.jvmlending.com/get-started/): Begin a pre-approval or loan application - [How to Get Pre-Approved](https://www.jvmlending.com/purchase/how-to-get-pre-approved/): JVM's fully underwritten pre-approval process - [Get My Rate (Instant Quote)](https://www.jvmlending.com/rates/get-my-rate/): Personalized rate quote in under a minute - [Find My Loan Match](https://www.jvmlending.com/find-my-loan-match/): 30-second tool to match you to a loan type - [Fast 10-Day Closings](https://www.jvmlending.com/purchase/fast-10/): How JVM closes conventional and FHA purchase loans in as fast as 10 days ## Why JVM (trust & model) - [About Us](https://www.jvmlending.com/about-us/): The Super Team model, client perks, and company story - [Our "No Loan Officer" Model](https://www.jvmlending.com/no-loan-officers/): Why JVM uses salaried analysts instead of commissioned loan officers - [Meet Our Team](https://www.jvmlending.com/meet-our-team/): The people behind JVM - [Client Testimonials](https://www.jvmlending.com/testimonials/): 1,300+ verified five-star reviews - [Licensing & NMLS](https://www.jvmlending.com/licenses/): State licenses and NMLS Consumer Access - [Contact Us](https://www.jvmlending.com/contact-us/): Phone, text, and email; available 7 days a week ## Rates & tools - [Today's Mortgage Rates](https://www.jvmlending.com/rates/todays-mortgage-rates/): Daily quoted rates and live scenarios - [Interactive Rate Tool](https://www.jvmlending.com/rates/rate-comparison/): Compare loan types and rates side by side - [DSCR / Investor Rates](https://www.jvmlending.com/low-rate-dscr-financing/): Rates and instant quotes for investor (DSCR) loans - [Mortgage Calculators](https://www.jvmlending.com/calculators/): Payment, affordability, buydown, and refinance calculators - [Amortization Calculator](https://www.jvmlending.com/jvm-amortization-calculator/) - [Get a Second Opinion](https://www.jvmlending.com/get-a-second-opinion/): Compare another lender's Loan Estimate - [Loan Limits](https://www.jvmlending.com/loan-limits/): Current conforming and FHA loan limits ## Loan programs: purchase & core - [Conventional Loan](https://www.jvmlending.com/loan-types/conventional-loan/) - [30-Year Fixed-Rate Mortgage](https://www.jvmlending.com/loan-types/30-year-fixed-rate-mortgage/) - [15-Year Fixed-Rate Mortgage](https://www.jvmlending.com/loan-types/15-year-fixed-rate-mortgage/) - [Adjustable-Rate Mortgage (ARM)](https://www.jvmlending.com/loan-types/adjustable-rate-mortgage/) - [Jumbo Loan](https://www.jvmlending.com/loan-types/jumbo-loan/) - [All Loan Types](https://www.jvmlending.com/loan-types/) ## Loan programs: government - [FHA Loan](https://www.jvmlending.com/loan-types/fha-loan/) - [VA Loan](https://www.jvmlending.com/loan-types/va-loan/) - [FHA Streamline Refinance](https://www.jvmlending.com/loan-types/fha-streamline-refinance/) ## Loan programs: first-time buyer & down payment assistance - [First-Time Buyer Rate Discount Program](https://www.jvmlending.com/loan-types/first-time-buyer-rate-discount-program/) - [Fannie Mae HomeReady](https://www.jvmlending.com/loan-types/fannie-mae-homeready-mortgage/) - [Freddie Mac Home Possible](https://www.jvmlending.com/loan-types/freddie-mac-home-possible-mortgage/) - [No PMI Mortgage](https://www.jvmlending.com/loan-types/no-pmi-mortgage/) - [Chenoa Fund Down Payment Assistance](https://www.jvmlending.com/loan-types/chenoa-fund-down-payment-assistance/) - [CalHFA MyHome Assistance](https://www.jvmlending.com/loan-types/calhfa-myhome-assistance-program/) - [CalHFA Dream For All Shared Appreciation](https://www.jvmlending.com/loan-types/calhfa-dream-for-all-shared-appreciation-loan/) - [TSAHC Down Payment Assistance (Texas)](https://www.jvmlending.com/loan-types/tsahc-down-payment-assistance/) - [Community Lending Program](https://www.jvmlending.com/loan-types/community-lending-program/) ## Loan programs: investor & non-QM (self-employed, rental) - [DSCR Mortgage Loan](https://www.jvmlending.com/loan-types/dscr-mortgage-loan/) - [No Income Verification Mortgage](https://www.jvmlending.com/loan-types/no-income-verification-mortgage-loan/) - [Bank Statement Loan](https://www.jvmlending.com/loan-types/bank-statement-mortgage-loan/) - [12-Month Bank Statement Loan](https://www.jvmlending.com/loan-types/12-month-bank-statement-loan/) - [Investment Property Loan](https://www.jvmlending.com/loan-types/investment-property-loan/) - [Non-QM Loans](https://www.jvmlending.com/loan-types/non-qm/) - [ITIN Mortgage Loan](https://www.jvmlending.com/loan-types/itin-mortgage-loan/) - [Bridge Loan](https://www.jvmlending.com/loan-types/bridge-loan/) - [Land Loan](https://www.jvmlending.com/loan-types/land-loan/) - [Non-Warrantable Condo Financing](https://www.jvmlending.com/loan-types/non-warrantable-condo-financing/) - [Condo Mortgage Loan](https://www.jvmlending.com/loan-types/condo-mortgage-loan/) - [Doctor (Physician) Mortgage Loan](https://www.jvmlending.com/loan-types/doctor-mortgage-loan/) ## Loan programs: refinance & home equity - [Rate & Term Refinance](https://www.jvmlending.com/loan-types/rate-and-term-refinance/) - [Cash-Out Refinance](https://www.jvmlending.com/loan-types/cash-out-refinance/) - [No-Cost Refinance](https://www.jvmlending.com/loan-types/no-cost-refinance/) - [Rate Drop Free-Fi](https://www.jvmlending.com/refinance/rate-drop-free-fi/): Refinance for free if rates fall after your JVM purchase (eligibility terms apply) - [Free Refinance Analysis](https://www.jvmlending.com/refinance/refinance-analysis/) - [Home Equity Loan](https://www.jvmlending.com/loan-types/home-equity-loan/) - [HELOC](https://www.jvmlending.com/loan-types/home-equity-line-of-credit-heloc/) - [Renovation HELOC](https://www.jvmlending.com/loan-types/renovation-heloc/) - [Renovation Home Loan](https://www.jvmlending.com/loan-types/renovation-home-loan/) - [Chapter 13 Bankruptcy Refinance](https://www.jvmlending.com/loan-types/chapter-13-bankruptcy-refinance/) ## Loan programs: specialty - [EasyPath (buy before you sell)](https://www.jvmlending.com/loan-types/easypath-mortgage-program/) - [Cash Offer](https://www.jvmlending.com/loan-types/cash-offer/) - [Instant Equity](https://www.jvmlending.com/loan-types/instant-equity/) - [Purchase Plus Program](https://www.jvmlending.com/loan-types/purchase-plus-program/) - [Free 2-1 Lender-Paid Temporary Buydown](https://www.jvmlending.com/loan-types/free-2-1-lender-paid-temporary-buydown-program/) ## Guides & education - [JVM Buyer's Guide (First-Time Buyers)](https://www.jvmlending.com/purchase/jvm-buyers-guide/) - [Loan Process Overview](https://www.jvmlending.com/purchase/jvm-lending-process-overview/) - [Purchase FAQ](https://www.jvmlending.com/purchase/faq/) - [General FAQ](https://www.jvmlending.com/faq/) - [Mortgage Blog](https://www.jvmlending.com/blog/) - [Mortgage Term Glossary](https://www.jvmlending.com/glossary/) - [Homebuyer Tools](https://www.jvmlending.com/tools/) ### State buyer's guides - [California](https://www.jvmlending.com/purchase/buyers-guide-california/) - [Texas](https://www.jvmlending.com/purchase/buyers-guide-texas/) - [Arizona](https://www.jvmlending.com/purchase/buyers-guide-arizona/) - [Florida](https://www.jvmlending.com/purchase/buyers-guide-florida/) - [Georgia](https://www.jvmlending.com/purchase/buyers-guide-georgia/) - [Idaho](https://www.jvmlending.com/purchase/buyers-guide-idaho/) - [Illinois](https://www.jvmlending.com/purchase/buyers-guide-illinois/) - [Louisiana](https://www.jvmlending.com/purchase/buyers-guide-louisiana/) - [Massachusetts](https://www.jvmlending.com/purchase/buyers-guide-massachusetts/) - [Oregon](https://www.jvmlending.com/purchase/buyers-guide-oregon/) - [Tennessee](https://www.jvmlending.com/purchase/buyers-guide-tennessee/) ## Locations (cities we serve) JVM lends across 11 states. Browse every served city from the [locations hub](https://www.jvmlending.com/mortgage-lender/), or use a state hub (all cities) and the major-metro links below. ### Physical offices - [Walnut Creek, CA (headquarters)](https://www.jvmlending.com/contact-us/): 1212 Broadway Plaza, Suite 2100, Walnut Creek, CA 94596 - [Dallas, TX office](https://www.jvmlending.com/dallas-tx-mortgage-lender/): 2626 Cole Avenue, Suite 300, Dallas, TX 75204, (469) 275-0313 (physical presence in Texas, serving the Dallas-Fort Worth metroplex) ### California - [California (all cities)](https://www.jvmlending.com/mortgage-lender/california/) - Major metros: [Los Angeles](https://www.jvmlending.com/mortgage-lender/california/los-angeles/) · [San Diego](https://www.jvmlending.com/mortgage-lender/california/san-diego/) · [San Jose](https://www.jvmlending.com/mortgage-lender/california/san-jose/) · [San Francisco](https://www.jvmlending.com/mortgage-lender/california/san-francisco/) · [Fresno](https://www.jvmlending.com/mortgage-lender/california/fresno/) · [Sacramento](https://www.jvmlending.com/mortgage-lender/california/sacramento/) · [Long Beach](https://www.jvmlending.com/mortgage-lender/california/long-beach/) · [Oakland](https://www.jvmlending.com/mortgage-lender/california/oakland/) · [Bakersfield](https://www.jvmlending.com/mortgage-lender/california/bakersfield/) · [Anaheim](https://www.jvmlending.com/mortgage-lender/california/anaheim/) · [Riverside](https://www.jvmlending.com/mortgage-lender/california/riverside/) · [Irvine](https://www.jvmlending.com/mortgage-lender/california/irvine/) ### Texas - [Texas (all cities)](https://www.jvmlending.com/mortgage-lender/texas/) - Major metros: [Houston](https://www.jvmlending.com/mortgage-lender/texas/houston/) · [San Antonio](https://www.jvmlending.com/mortgage-lender/texas/san-antonio/) · [Austin](https://www.jvmlending.com/mortgage-lender/texas/austin/) · [Fort Worth](https://www.jvmlending.com/mortgage-lender/texas/fort-worth/) · [El Paso](https://www.jvmlending.com/mortgage-lender/texas/el-paso/) · [Arlington](https://www.jvmlending.com/mortgage-lender/texas/arlington/) · [Corpus Christi](https://www.jvmlending.com/mortgage-lender/texas/corpus-christi/) · [Frisco](https://www.jvmlending.com/mortgage-lender/texas/frisco/) · [McKinney](https://www.jvmlending.com/mortgage-lender/texas/mckinney/) · [Denton](https://www.jvmlending.com/mortgage-lender/texas/denton/) · [Garland](https://www.jvmlending.com/mortgage-lender/texas/garland/) · [Irving](https://www.jvmlending.com/mortgage-lender/texas/irving/) ### Florida - [Florida (all cities)](https://www.jvmlending.com/mortgage-lender/florida/) - Major metros: [Jacksonville](https://www.jvmlending.com/mortgage-lender/florida/jacksonville/) · [Miami](https://www.jvmlending.com/mortgage-lender/florida/miami/) · [Tampa](https://www.jvmlending.com/mortgage-lender/florida/tampa/) · [Orlando](https://www.jvmlending.com/mortgage-lender/florida/orlando/) · [St. Petersburg](https://www.jvmlending.com/mortgage-lender/florida/saint-petersburg/) · [Hialeah](https://www.jvmlending.com/mortgage-lender/florida/hialeah/) · [Tallahassee](https://www.jvmlending.com/mortgage-lender/florida/tallahassee/) · [Fort Lauderdale](https://www.jvmlending.com/mortgage-lender/florida/fort-lauderdale/) · [Cape Coral](https://www.jvmlending.com/mortgage-lender/florida/cape-coral/) · [Fort Myers](https://www.jvmlending.com/mortgage-lender/florida/fort-myers/) · [Sarasota](https://www.jvmlending.com/mortgage-lender/florida/sarasota/) · [Naples](https://www.jvmlending.com/mortgage-lender/florida/naples/) ### Arizona - [Arizona (all cities)](https://www.jvmlending.com/mortgage-lender/arizona/) - Major metros: [Phoenix](https://www.jvmlending.com/mortgage-lender/arizona/phoenix/) · [Tucson](https://www.jvmlending.com/mortgage-lender/arizona/tucson/) · [Mesa](https://www.jvmlending.com/mortgage-lender/arizona/mesa/) · [Chandler](https://www.jvmlending.com/mortgage-lender/arizona/chandler/) · [Scottsdale](https://www.jvmlending.com/mortgage-lender/arizona/scottsdale/) · [Gilbert](https://www.jvmlending.com/mortgage-lender/arizona/gilbert/) · [Glendale](https://www.jvmlending.com/mortgage-lender/arizona/glendale/) · [Tempe](https://www.jvmlending.com/mortgage-lender/arizona/tempe/) · [Peoria](https://www.jvmlending.com/mortgage-lender/arizona/peoria/) · [Surprise](https://www.jvmlending.com/mortgage-lender/arizona/surprise/) · [Goodyear](https://www.jvmlending.com/mortgage-lender/arizona/goodyear/) · [Flagstaff](https://www.jvmlending.com/mortgage-lender/arizona/flagstaff/) ### Georgia - [Georgia (all cities)](https://www.jvmlending.com/mortgage-lender/georgia/) - Major metros: [Atlanta](https://www.jvmlending.com/mortgage-lender/georgia/atlanta/) · [Augusta](https://www.jvmlending.com/mortgage-lender/georgia/augusta/) · [Columbus](https://www.jvmlending.com/mortgage-lender/georgia/columbus/) · [Macon](https://www.jvmlending.com/mortgage-lender/georgia/macon/) · [Savannah](https://www.jvmlending.com/mortgage-lender/georgia/savannah/) · [Athens](https://www.jvmlending.com/mortgage-lender/georgia/athens/) · [Roswell](https://www.jvmlending.com/mortgage-lender/georgia/roswell/) · [Marietta](https://www.jvmlending.com/mortgage-lender/georgia/marietta/) · [Alpharetta](https://www.jvmlending.com/mortgage-lender/georgia/alpharetta/) · [Albany](https://www.jvmlending.com/mortgage-lender/georgia/albany/) · [Valdosta](https://www.jvmlending.com/mortgage-lender/georgia/valdosta/) · [Kennesaw](https://www.jvmlending.com/mortgage-lender/georgia/kennesaw/) ### Tennessee - [Tennessee (all cities)](https://www.jvmlending.com/mortgage-lender/tennessee/) - Major metros: [Nashville](https://www.jvmlending.com/mortgage-lender/tennessee/nashville/) · [Memphis](https://www.jvmlending.com/mortgage-lender/tennessee/memphis/) · [Knoxville](https://www.jvmlending.com/mortgage-lender/tennessee/knoxville/) · [Chattanooga](https://www.jvmlending.com/mortgage-lender/tennessee/chattanooga/) · [Clarksville](https://www.jvmlending.com/mortgage-lender/tennessee/clarksville/) · [Murfreesboro](https://www.jvmlending.com/mortgage-lender/tennessee/murfreesboro/) · [Franklin](https://www.jvmlending.com/mortgage-lender/tennessee/franklin/) · [Jackson](https://www.jvmlending.com/mortgage-lender/tennessee/jackson/) · [Johnson City](https://www.jvmlending.com/mortgage-lender/tennessee/johnson-city/) · [Hendersonville](https://www.jvmlending.com/mortgage-lender/tennessee/hendersonville/) · [Brentwood](https://www.jvmlending.com/mortgage-lender/tennessee/brentwood/) · [Kingsport](https://www.jvmlending.com/mortgage-lender/tennessee/kingsport/) ### Oregon - [Oregon (all cities)](https://www.jvmlending.com/mortgage-lender/oregon/) - Major metros: [Portland](https://www.jvmlending.com/mortgage-lender/oregon/portland/) · [Salem](https://www.jvmlending.com/mortgage-lender/oregon/salem/) · [Eugene](https://www.jvmlending.com/mortgage-lender/oregon/eugene/) · [Gresham](https://www.jvmlending.com/mortgage-lender/oregon/gresham/) · [Hillsboro](https://www.jvmlending.com/mortgage-lender/oregon/hillsboro/) · [Beaverton](https://www.jvmlending.com/mortgage-lender/oregon/beaverton/) · [Medford](https://www.jvmlending.com/mortgage-lender/oregon/medford/) · [Springfield](https://www.jvmlending.com/mortgage-lender/oregon/springfield/) · [Corvallis](https://www.jvmlending.com/mortgage-lender/oregon/corvallis/) · [Tualatin](https://www.jvmlending.com/mortgage-lender/oregon/tualatin/) · [Lake Oswego](https://www.jvmlending.com/mortgage-lender/oregon/lake-oswego/) · [Oregon City](https://www.jvmlending.com/mortgage-lender/oregon/oregon-city/) ### Idaho - [Idaho (all cities)](https://www.jvmlending.com/mortgage-lender/idaho/) - Major metros: [Boise](https://www.jvmlending.com/mortgage-lender/idaho/boise/) · [Meridian](https://www.jvmlending.com/mortgage-lender/idaho/meridian/) · [Nampa](https://www.jvmlending.com/mortgage-lender/idaho/nampa/) · [Idaho Falls](https://www.jvmlending.com/mortgage-lender/idaho/idaho-falls/) · [Caldwell](https://www.jvmlending.com/mortgage-lender/idaho/caldwell/) · [Pocatello](https://www.jvmlending.com/mortgage-lender/idaho/pocatello/) · [Coeur d'Alene](https://www.jvmlending.com/mortgage-lender/idaho/coeur-d-alene/) · [Twin Falls](https://www.jvmlending.com/mortgage-lender/idaho/twin-falls/) · [Post Falls](https://www.jvmlending.com/mortgage-lender/idaho/post-falls/) · [Rexburg](https://www.jvmlending.com/mortgage-lender/idaho/rexburg/) · [Eagle](https://www.jvmlending.com/mortgage-lender/idaho/eagle/) · [Lewiston](https://www.jvmlending.com/mortgage-lender/idaho/lewiston/) ### Illinois - [Illinois (all cities)](https://www.jvmlending.com/mortgage-lender/illinois/) - Major metros: [Chicago](https://www.jvmlending.com/mortgage-lender/illinois/chicago/) · [Aurora](https://www.jvmlending.com/mortgage-lender/illinois/aurora/) · [Naperville](https://www.jvmlending.com/mortgage-lender/illinois/naperville/) · [Joliet](https://www.jvmlending.com/mortgage-lender/illinois/joliet/) · [Rockford](https://www.jvmlending.com/mortgage-lender/illinois/rockford/) · [Springfield](https://www.jvmlending.com/mortgage-lender/illinois/springfield/) · [Elgin](https://www.jvmlending.com/mortgage-lender/illinois/elgin/) · [Peoria](https://www.jvmlending.com/mortgage-lender/illinois/peoria/) · [Champaign](https://www.jvmlending.com/mortgage-lender/illinois/champaign/) · [Evanston](https://www.jvmlending.com/mortgage-lender/illinois/evanston/) · [Schaumburg](https://www.jvmlending.com/mortgage-lender/illinois/schaumburg/) · [Bloomington](https://www.jvmlending.com/mortgage-lender/illinois/bloomington/) ### Louisiana - [Louisiana (all cities)](https://www.jvmlending.com/mortgage-lender/louisiana/) - Major metros: [New Orleans](https://www.jvmlending.com/mortgage-lender/louisiana/new-orleans/) · [Baton Rouge](https://www.jvmlending.com/mortgage-lender/louisiana/baton-rouge/) · [Shreveport](https://www.jvmlending.com/mortgage-lender/louisiana/shreveport/) · [Lafayette](https://www.jvmlending.com/mortgage-lender/louisiana/lafayette/) · [Lake Charles](https://www.jvmlending.com/mortgage-lender/louisiana/lake-charles/) · [Kenner](https://www.jvmlending.com/mortgage-lender/louisiana/kenner/) · [Bossier City](https://www.jvmlending.com/mortgage-lender/louisiana/bossier-city/) · [Monroe](https://www.jvmlending.com/mortgage-lender/louisiana/monroe/) · [Alexandria](https://www.jvmlending.com/mortgage-lender/louisiana/alexandria/) · [Houma](https://www.jvmlending.com/mortgage-lender/louisiana/houma/) · [Slidell](https://www.jvmlending.com/mortgage-lender/louisiana/slidell/) · [Gretna](https://www.jvmlending.com/mortgage-lender/louisiana/gretna/) ### Massachusetts - [Massachusetts (all cities)](https://www.jvmlending.com/mortgage-lender/massachusetts/) - Major metros: [Boston](https://www.jvmlending.com/mortgage-lender/massachusetts/boston/) · [Worcester](https://www.jvmlending.com/mortgage-lender/massachusetts/worcester/) · [Springfield](https://www.jvmlending.com/mortgage-lender/massachusetts/springfield/) · [Cambridge](https://www.jvmlending.com/mortgage-lender/massachusetts/cambridge/) · [Brockton](https://www.jvmlending.com/mortgage-lender/massachusetts/brockton/) · [Quincy](https://www.jvmlending.com/mortgage-lender/massachusetts/quincy/) · [Lynn](https://www.jvmlending.com/mortgage-lender/massachusetts/lynn/) · [Newton](https://www.jvmlending.com/mortgage-lender/massachusetts/newton/) · [Somerville](https://www.jvmlending.com/mortgage-lender/massachusetts/somerville/) · [Framingham](https://www.jvmlending.com/mortgage-lender/massachusetts/framingham/) · [Fall River](https://www.jvmlending.com/mortgage-lender/massachusetts/fall-river/) · [New Bedford](https://www.jvmlending.com/mortgage-lender/massachusetts/new-bedford/) ## For real estate agents - [Agent Services](https://www.jvmlending.com/agents/) - [Agent Partner Benefits](https://www.jvmlending.com/agents/partner-benefits/) - [Refer a Client](https://www.jvmlending.com/agents/refer-a-client/) ## Optional / legal - [Privacy Policy](https://www.jvmlending.com/privacy-policy/) - [Content Usage Guidelines](https://www.jvmlending.com/content-usage-guidelines/) - [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 and depend on timely cooperation from all parties; they are not guaranteed. 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.