Please Note: JVM Lending is temporarily unable to accept new refinance applications. We have met our maximum loan volume capacity and are unable to process additional applications without sacrificing the 5-star experience to which our valued clients are accustomed. We sincerely apologize for this inconvenience.

We are still accepting new home purchase applications, and still have capacity in our purchase loan division.

Posts

Why COVID-19 Is Not Hitting Housing Prices

A few weeks ago, I blogged about why we are not seeing more foreclosures despite our severe recession and a huge number of delinquent borrowers. The reasons include: (1) borrowers have more equity and won’t abandon it; (2) lending guidelines have been much stronger since 2008; and (3) the housing market is on fire, making […]Read More

“The Next Housing Boom Is Closer Than You Think”

The title of this blog is taken directly from this blog by Stansberry Research. I have hit the topic of a strong housing market numerous times in recent months but am hitting it again for several reasons: (1) Stansberry Research normally touts stocks, so when they shift to touting housing it means something; (2) some […]Read More

Yes, We Have Inflation Now – ASSET Inflation; Real Estate = Inflation Hedge

When I tout real estate as an inflation hedge, I often get comments like this: “Dude, we are seeing DEFLATION now; INFLATION is the least of our concerns….” I then get examples of items that are far less expensive now such as gasoline, cars (way cheaper now for all the tech, speed and safety we […]Read More

What Your Clients Want to Know; Wage Inflation Too

All of our clients – past and present – want to know two things right now: (1) what is really happening to mortgage interest rates; and (2) what is happening to home values – particularly their own. I know this b/c we are getting so many inquiries from clients, and, more significantly, b/c so many […]Read More

Inflation: The One Reason No Buyer Should Get Cold Feet

Everyone knows there are many reasons to buy a home, including: (1) enjoying the pride of ownership; (2) locking in a low interest rate; (3) fixing your housing payment; (4) taking advantage of tax savings; and (5) building equity, among other things. But, most people do not appreciate how important real estate can be as […]Read More

Is Inflation Back? Houses Are An Inflation Hedge!

INFLATION RAVAGED THE 1970s The only thing that ravaged the 1970s more than the bad music, hair and clothes was the high rate of inflation. High inflation rates hurt economies b/c they create uncertainty, increase interest rates and decrease purchasing power and economic investment, among other things. Inflation is primarily a result of the Fed […]Read More

Why Buy A House Now?

There are many reasons to buy a home, and here are a few reasons for buying now: 1. To lock in historically low interest rates. Even though rates have climbed a bit in recent months, they remain extremely low by historical standards. Rates were in the 10%+ range for most of the 1980s, in the […]Read More

The Very Strong Long Term Case For Real Estate/Home Ownership

Financial publications occasionally make the case that renting is better than buying for some people, illuminating lower housing payments, and the avoidance of transaction and maintenance costs. The analyses often ignore the benefits of a fixed housing payment (rents go up), tax savings, and potential appreciation in hot markets, etc. There is, however, one more […]Read More

Inflation Concerns Explained – How They Affect Real Estate

The Fed is expected to raise short term rates this month b/c employment numbers are adequately strong. But, one area that remains a concern is inflation, or the lack thereof. The Fed actually desires a little inflation, and they do not understand why there is so little. The WSJ had an article this morning on […]Read More

Low Rates & Inflation? Houses Are Perfect Hedge

Forbes Columnist David Dreman’ s most recent column is about how the Fed’s efforts to keep rates artificially low is keeping the economy weak (which in turn keeps rates low). He also points out how holding rates artificially low for so long always leads to inflation, sooner or later. The good news in all this […]Read More

Real Estate as an Excellent Inflation Hedge

Buyers ask us all the time if we think “now is a good time to buy real estate.” We say “yes” for a variety of reasons (historically low rates, rock-bottom prices, cash flowing rentals, etc.) that we have highlighted many times. But, there is one reason we want to highlight b/c we have seen it […]Read More