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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 loan amount as their down payment.

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 homebuyers by putting less money down and lowering monthly payments by avoiding PMI.

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 finance 100% of a home's price.

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 loan amount as their down payment.

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 homebuyers by putting less money down and lowering monthly payments by avoiding PMI.

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 finance 100% of a home's price.

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

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
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