Meet our team

Our “Super Team” of extraordinarily friendly, talented, and hard-working experts is what sets us apart.

"We are very proud of what we’ve built at JVM – a ‘Super Team’ model with no loan officers, very low rates, and the best client experiences in the industry. Our hundreds of five-star reviews really do say it all."
Jay Voorhees
Jay Voorhees Founder
Heejin Kim
Heejin Kim Co-founder
Meet our team
Jay Voorhees
Jay Voorhees

Founder

Heejin Kim
Heejin Kim

Co-founder

Heidi Ameli
Heidi Ameli

Senior Manager & Senior Client Advisor

Mary Barker
Mary Barker

Senior Closing Specialist

Jon Birchler
Jon Birchler

Mortgage Analyst

Sarah Burgson
Sarah Burgson

Marketing Manager

Davie Manabat
Davie Manabat

Assistant

Wesley Denison
Wesley Denison

Senior Client Advisor

Victor Flynn
Victor Flynn

Senior Client Advisor

Grant Frye
Grant Frye

Senior Mortgage Analyst

Gem Pan
Gem Pan

Executive Assistant

Jeriko Bautista
Jeriko Bautista

Executive Assistant

Lindsey Hansen
Lindsey Hansen

Marketing Director

David Khashabi
David Khashabi

Mortgage Analyst

Brandon Korn
Brandon Korn

Mortgage Analyst

Lexi Liangco
Lexi Liangco

Marketing Assistant

Madeline Malinovsky
Madeline Malinovsky

Team Manager

Jody-Ann Marriott
Jody-Ann Marriott

Administrative Receptionist & Recruiting Assistant

Aaron Moore
Aaron Moore

Business Development Officer

Kelsey Morrow
Kelsey Morrow

Business Development Officer

Shabnam Mujaddidi
Shabnam Mujaddidi

Mortgage Analyst

Jennifer Muldowny
Jennifer Muldowny

Senior Mortgage Analyst

Andrei Paduraru
Andrei Paduraru

Senior Manager

Tiffany Nordgren
Tiffany Nordgren

Administrative Director

David Paduraru
David Paduraru

Marketing AI Developer

Tim Paduraru
Tim Paduraru

Senior Systems Administrator

Hannah Papazian
Hannah Papazian

Senior Client Advisor

Raymond Pambuan
Raymond Pambuan

Condo Specialist

Erin Peters
Erin Peters

Sr. Closing Specialist & Team Manager

Connie Yee
Connie Yee

Senior Closing Specialist

JVM Lending logo

We are a hybrid mortgage lender 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.

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Call, text, or email:

(855) 855-4491 jvmteam@jvmlending.com

*60 minute response times during operating hours.

License NMLS Consumer Access Privacy Policy Accessibility Recovery Fund Notice Texas consumers: How to file a complaint Do Not Sell or Share My Personal Information

JVM Lending is a division of Vellum Mortgage, Inc. | NMLS #1657323 | Licensed in Arizona, California, Florida, Georgia, Idaho, Illinois, Louisiana, Massachusetts, Oregon, Tennessee, Texas | For licensing information: www.nmlsconsumeraccess.org | Licensed under the CRMLA by the CA Department of Business Oversight | Equal Housing Opportunity

JVM Lending, 1212 Broadway Plaza, Suite 2100, Walnut Creek, CA 94596

For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply.
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Copyright © JVM Lending 2026. All rights reserved.

1 The flat $2,500 fee applies for homes valued at $1.3M or less; a flat $3,500 fee applies for homes valued over $1.3M. Market value is determined at the time of service and may be based on an appraisal, broker price opinion, or other valuation method.

2 FREE-FI ELIGIBILITY: 1) Client must purchase their home through JVM Lending with a closing date between 10/24/2022 and 12/31/2026 in order to be eligible for JVM’s Rate Drop Free-Fi. 2) Eligible for primary residences only. 3) Refinance offer must be claimed by locking the refinance rate between 120 days and 36 months from the original purchase closing date. 4) Refinance loan must be on the same subject property as the original purchase loan. 5) For refinance loan amounts of $350,000 or more, JVM Lending will provide a lender credit up to $4,500 toward the following fees: first appraisal (additional appraisals, if needed, are the client’s responsibility), credit report, tax certification, mortgage recording fee, flood certification and life of loan, notary fees, and processing and underwriting fees. 6) For refinance loan amounts between $150,000 and $349,999, JVM Lending will provide a lender credit up to $1,500 toward processing and underwriting fees. 7) Eligibility subject to loan approval. Please note that “specialty” loan programs including but not limited to Down Payment Assistance (DPA) mortgages, Non-Qualified Mortgages (Non-QM), Brokered/Wholesale Mortgages, and Bridge Loans may have additional loan approval criteria that impact offer eligibility and availability. 8) Minimum loan amount of $150,000.

This offer cannot be combined with any other JVM promotional offers or discounts. No cash value. Offer void if loan application doesn’t close. Client may utilize this offer as many times as desired, so long as the new loan funds after the early payoff date has passed (typically 180 days after close; contact JVM for your exact early payoff date). This offer is subject to changes or cancellation at any time at the sole discretion of JVM Lending. Additional restrictions/conditions may apply. This is not a commitment to lend and is contingent on qualification per full underwriting guidelines. Offer not available for Oregon State consumers. Contact JVM Lending at (855) 855-4491 for complete details about this offer. 

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30-Year Fixed-Rate
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SPECIAL PROGRAMS

JVM's FREE 2-1 Rate Buydown

Lower your rate for 2 years!
JVM's EasyPath

Easiest way to buy before selling
JVM's Neighborhood Saver

Get a 2% lender credit
JVM's Rate Drop Free-fi™

Refinance at no cost
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First-Time Buyer Guide

Everything newbies need to know

LEARN

JVM's Rate Drop Free-fi™
First-Time Buyer Discount
Homebuying Tools
Why We Have No Loan Officers
Free Analysis Refinance

Find out whether you're missing out on monthly savings:

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REFINANCE LOANS

Rate & Term Refinance
Cash-Out Refinance
No Cost Refinance
Home Equity Loans

GET SAVING

Should I Refinance?

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Refinance Tools

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JVM Rate Watch

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Today's Mortgage Rates

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Today's Mortgage Rates
Interactive Rate Tool

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Interactive Rate Tool
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Our best investor loans and rates

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WHY PARTNER WITH US

Agent Partner Benefits

We're the lender that builds your business. When you succeed, we succeed!

AGENT TOOLS

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HELPFUL TOOLS

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Interactive Rate Tool

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CALCULATORS

Mortgage Calculator
Affordability Calculator
Rate Buydown Calculator
Refinance Calculator
Amortization Calculator 

ABOUT US

Our "No Loan Officer" Model

We're proof that different works.
Client Testimonials

Our 1,300+ five-star reviews say it all!
Our Services

See what our team is doing for you behind the scenes

 
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CONTACT

Guaranteed 60-minute responses during operating hours

(855) 855-4491
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