We are proof that different works.

Our no-loan-officer model gives us a leg up against other mortgage lenders.

Online Lenders like
Big Banks like
Mortgage
Brokers
14-Day Close
Yes
No
No
No
Low Rates
Yes
Sometimes
Sometimes
Sometimes
Fully Underwritten Pre-Approvals
Yes
Rarely
Sometimes
Never
Guaranteed 60-minute response times
Always
Rarely
Rarely
Rarely
Availability 7 days a week
Always
Sometimes
Sometimes
Sometimes
Calling Listing Agents for Every Offer You Make
Always
Rarely
Sometimes
Sometimes
Cash Buyer Program
Always
Rarely
Rarely
Never
Bridge Loans
Always
Never
Never
Never
Dedicated and hand-picked appraisal panel
Always
Never
Never
Never
Online Rates Available 24/7
Always
Sometimes
Sometimes
Rarely
$2,500 Close On-Time Guarantee
Always
Sometimes
Rarely
Rarely
Access to your own salary-based mortgage expert (no commissions!)
Always
Never
Never
Never
Local market expertise
Always
Rarely
Sometimes
Sometimes
Customized rate & closing cost scenarios whenever you need them
Always
Sometimes
Sometimes
Sometimes
14-Day Close
Yes
No
No
No
Low Rates
Yes
Sometimes
Sometimes
Sometimes
Fully Underwritten Pre-Approvals
Yes
Rarely
Sometimes
Never
Guaranteed 60-minute response times
Always
Rarely
Rarely
Rarely
Availability 7 days a week
Always
Sometimes
Sometimes
Sometimes
Calling Listing Agents for Every Offer You Make
Always
Rarely
Sometimes
Sometimes
Cash Buyer Program
Always
Rarely
Rarely
Never
Bridge Loans
Always
Never
Never
Never
Dedicated and hand-picked appraisal panel
Always
Never
Never
Never
Online Rates Available 24/7
Always
Sometimes
Sometimes
Rarely
$2,500 Close On-Time Guarantee
Always
Sometimes
Rarely
Rarely
Access to your own salary-based mortgage expert (no commissions!)
Always
Never
Never
Never
Local market expertise
Always
Rarely
Sometimes
Sometimes
Customized rate & closing cost scenarios whenever you need them
Always
Sometimes
Sometimes
Sometimes

The meltdown

The 2008 financial crisis made us see mortgage lending in a whole new light. So, we reimagined the mortgage lending model.

  • People lost trust in mortgage lenders
  • Loan Officers couldn't keep up with demanding new guidelines and tech changes.
  • The mortgage process became downright painful.
The meltdown
The Discovery

The Discovery

The commission-based loan officer mortgage model is dead.

  • Speed and low rates are more important than ever before.
  • Our team model allows us to keep our operating costs low & provide faster closes.
  • We don't have commissions to pay, allowing us to pass back those savings to our buyers.

The future is top of mind

Out with the old, in with the new.

  • Change happens constantly in the mortgage industry - we're ready for it.
  • We evolve to meet YOUR needs. Every homebuyer and homeowner is unique.
  • Fact: Buying a home should be an enjoyable experience for everyone.
THE FUTURE IS TOP OF MIND
NEXT STEP

Get Pre-Approved

Getting pre-approved is the first step in buying a home. By getting pre-approved, you can:

  • Focus on your home search, knowing your financing is in JVM’s expert hands.
  • Find out exactly what home price you qualify for and shop with comfort
  • Improve your chances for homebuying success, since sellers heavily favor offers with pre-approvals from reputable lenders.
Get Pre-Approved

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
You are less than 60 seconds away from your quote.

Resume from where you left off. No obligations.