Fast closings
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Refinance Process Overview
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START -
LOCK IN RATE
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Complete file
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Close
Start
You consider refinancing your mortgage.
What Happens
Your Client Advisor will send you a quote based on your goals and qualification parameters, and will:
- Discuss your refinance goals and review your options
- Show how we can lower your interest rate, get cash out, or change your loan term
- Explain how JVM’s refinance process works
Step 2
Review your loan and interest rate options.
What Happens
Your Client Advisor will send you a quote based on your goals and qualification parameters, and will:
- Review your quoted interest rate, closing costs and new monthly mortgage payment
- Walk you through the loan application process as needed
- Lock in your desired interest rate and loan terms
Step 3
Complete your loan file.
What Happens
Once your refinance is locked in, your Client Advisor will introduce you to a Mortgage Analyst who will:
- Update and complete your loan file
- Obtain an appraisal if one is required
- Review your loan disclosures with you to ensure you are comfortable with the terms and process
- Package and submit your file for underwriting
Step 4
Close your refinance.
What Happens
Your Mortgage Analyst will introduce you to your Closing Specialist, who will:
- Be your sole point of contact through funding and closing
- Help address any requests from your underwriter and share “cash to close” figures
- Order loan documents, set up your signing appointment, and request funding
Congratulations!
Your new loan has closed.
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
We are 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.