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No Self-Employment Requirement
12-Month Bank Statement Loan
This is a flexible program that allows borrowers to qualify using personal bank statement deposits instead of tax returns, paystubs, or W-2s.
Benefits
- Minimum 10% down payment
- No tax returns or paystubs required
- No self-employment requirement
Buy Before You Sell
Bridge Loan
Ready to move up but don’t want to sell first? Bridge financing lets you tap into your current home’s equity to buy your next property, so you can skip the stress of temporary housing and move on your own timeline.
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 With Cash Funds
Cash Offer
Give sellers an all cash offer with just 5% of your own cash - even if you’re a first-time buyer or own your current home!
Benefits
- Empowers buyers to become cash buyers and give sellers the most aggressive offer
- Close quickly and win competitive properties
- Can be used to purchase non-warrantable properties
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
- 180-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
Lower Your Rate By 2%
FREE 2-1 Lender-Paid Temporary Buydown
Buyers can lower their rate for 2 years - at no cost to them or the seller!
Benefits
- Buyers can lower their rate for 2 years - for free!
- No income limits!
- This program is for everyone - not just first-time homebuyers!
Access Equity Before You Sell
Instant Equity
This innovative program provides quick access to funds so you can buy a new home by leveraging the equity in your current property without selling!
Benefits
- Get immediate down payment funds
- No monthly payments required
- Can be used to finance non-warrantable properties
Unlock Up To A $20K Credit
JVM's Neighborhood Saver Mortgage
This program helps homebuyers unlock up to a $20K credit when purchasing a home in a qualifying census tract.
Benefits
- Receive a 2.5% lender credit (up to $20K)
- No first-time buyer requirement
- Property must be located within designated census tract
Put as little as 3% down!
No PMI Mortgage
This program helps homebuyers with less than 20% down payment avoid having to pay Private Mortgage Insurance (PMI).
Benefits
- No PMI = significant monthly savings
- Only requires a minimum 3% down payment
- Flexible credit guidelines
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
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
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
Put as little as 3% down!
No PMI Mortgage
This program helps homebuyers with less than 20% down payment avoid having to pay Private Mortgage Insurance (PMI).
Benefits
- No PMI = significant monthly savings
- Only requires a minimum 3% down payment
- Flexible credit guidelines
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
Access Your Equity in 5 Days
Home Equity Line of Credit (HELOC)
Ideal for homeowners seeking flexible access to funds for home improvements, debt consolidation, education, or unexpected expenses.
Benefits
- Get cash in hand in 5 days
- Fast application with no underwriting
- Ideal for consumer debt consolidation
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
No Self-Employment Requirement
12-Month Bank Statement Loan
This is a flexible program that allows borrowers to qualify using personal bank statement deposits instead of tax returns, paystubs, or W-2s.
Benefits
- Minimum 10% down payment
- No tax returns or paystubs required
- No self-employment requirement
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
Ready to move up but don’t want to sell first? Bridge financing lets you tap into your current home’s equity to buy your next property, so you can skip the stress of temporary housing and move on your own timeline.
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 Income Verification Required
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 Home Makeovers
Renovation Loan
A refinance renovation loan is your golden ticket to transforming your current home into your dream home by allowing you to bundle the cost of paying off your existing mortgage and the renovation into a single new loan.
Benefits
- Wrap your renovation costs into your loan
- Fast repairs let you build equity faster
- Flexible property types
No Self-Employment Requirement
12-Month Bank Statement Loan
This is a flexible program that allows borrowers to qualify using personal bank statement deposits instead of tax returns, paystubs, or W-2s.
Benefits
- Minimum 10% down payment
- No tax returns or paystubs required
- No self-employment requirement
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
Talk To A Mortgage Expert
Whether you are a first-time buyer or buying your next investment property, we are happy to answer all of your questions.
- Review down payment and monthly payment scenarios
- Discuss credit issues and concerns
- See where interest rates are currently and discuss how they could impact your mortgage
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.