JVM Lending Process Overview

Our Super Team will guide you in 5 easy steps.

  • START
  • Pre-Approval
  • Offers
  • Lock Rate
  • Close
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Start

You decide to buy a new home!

Whom you’ll work with: JVM Client Advisor

What Happens

You fill out JVM’s online loan application and connect with one of our Client Advisors, who will: 

  1. Discuss your goals and answer ALL of your mortgage questions
  2. Walk you through the homebuying process​
  3. Provide you with​ valuable info on market conditions, monthly payments, loan types, cash to close, tax advantages, and more!
  4. Help you gather any supporting documentation needed for your loan application. Once received, you're ready to meet your Mortgage Analyst!

Step 2

Get Pre-Approved.

Whom you’ll work with: JVM Mortgage Analyst

What Happens

Your Mortgage Analyst will review your loan application and supporting documentation, in order to:

  1. Make sure you are 100% qualified​ with no outstanding issues, to avoid any surprises once you are in contract
  2. Share detailed payment and closing cost scenarios to ensure you are comfortable with your desired price range
  3. Issue your official JVM Lending Certified® Pre-Approval Letter – so you can start your home search!

Step 3

Make Offers.

Whom you’ll work with: You 😊 (and your Real Estate Agent)

What Happens

You’ll shop for homes with your Real Estate Agent, who will help you:

  1. Search for the home of your dreams and decide on the best price to offer
  2. Get your offer accepted!​
  3. Open escrow, schedule inspections, ​and begin moving preparations

Step 4

Lock in your interest rate.

Whom you’ll work with: JVM Contract Desk Manager

What Happens

Your Real Estate Agent sends us your ratified purchase contract and you’ll be introduced to a Contract Desk Manager, who will:

  1. Review and update your loan file to ensure your transaction flows smoothly once in underwriting
  2. Quote & lock in your interest rate
  3. Order the property appraisal
  4. Send out your initial disclosures for signing

Step 5

Close On Your Home.

Whom you’ll work with: JVM Closing Specialist

What Happens

As soon as your disclosures are signed, you’ll be introduced to your Closing Specialist, who will:

  1. Submit your file to underwriting
  2. Review the underwriter’s conditions with you
  3. Order your final loan documents and facilitate your signing appointment
  4. Ensure your loan funds and escrow closes on time!
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Congratulations!
You are a brand new homeowner.

You’ll work with your own dedicated team of mortgage experts.

Working as a team is what makes JVM able to deliver:

  • Fast closings
  • Unbeatable response times
  • Constant availability
Get Started
Copyright © JVM Lending 2020. All rights reserved. Site by WebCherry JVM Lending is a division of American Pacific Mortgage Corporation. NMLS 1850 Branch NMLS# 2015729
1850 Mt. Diablo Boulevard, Suite 140, Walnut Creek, CA 94596 | 7950 Legacy Drive, Suite 390, Plano, TX 75024 | Licensed in CA and TX | Customer Service: (855) 855-4491
Licensed under the CRMLA by the California Department of Business Oversight #413-1112
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.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV. NMLS Consumer Access | Privacy Policy | Accessibility Statement | Recovery Fund Notice Do Not Sell My Personal Information