This isn't your average mortgage newsletter.

Written by Jay Voorhees

Founder & owner of JVM Lending with over 25 years of experience within the mortgage industry.

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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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(855) 855-4491 jvmteam@jvmlending.com

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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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SPECIAL PROGRAMS

JVM's FREE 2-1 Rate Buydown

Lower your rate for 2 years!
JVM's EasyPath

Easiest way to buy before selling
No PMI Mortgage

Put as little as 3% down
JVM's Rate Drop Free-fi™

Refinance at no cost
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LEARN

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

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REFINANCE LOANS

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Home Equity Loans

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Should I Refinance?

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JVM Rate Watch

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WHY PARTNER WITH US

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AGENT TOOLS

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HELPFUL TOOLS

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CALCULATORS

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ABOUT US

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