JVM Lending Process Overview
Our Super Team will guide you in 5 easy steps.
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START -
Pre-Approval
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Offers
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Lock Rate
-
Close
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:
- Discuss your goals and answer ALL of your mortgage questions
- Walk you through the homebuying process
- Provide you with valuable info on market conditions, monthly payments, loan types, cash to close, tax advantages, and more!
- 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:
- Make sure you are 100% qualified with no outstanding issues, to avoid any surprises once you are in contract
- Share detailed payment and closing cost scenarios to ensure you are comfortable with your desired price range
- 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:
- Search for the home of your dreams and decide on the best price to offer
- Get your offer accepted!
- 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:
- Review and update your loan file to ensure your transaction flows smoothly once in underwriting
- Quote & lock in your interest rate
- Order the property appraisal
- 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:
- Submit your file to underwriting
- Review the underwriter’s conditions with you
- Order your final loan documents and facilitate your signing appointment
- Ensure your loan funds and escrow closes on time!
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