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Mortgage loans are confusing. Let us be your loan matchmaker:
Explore All Loan Types
1% Down Payment
Our 1% Down Payment Loan is a unique offering that allows eligible borrowers to contribute just 1% of the purchase price as their down payment.
BENEFITS
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
3% Down Payment
This program offers a robust solution to the challenges faced by many prospective homeowners!
BENEFITS
- No PMI = significant monthly savings
- Only requires a 3% down payment
- Flexible credit guidelines
Bridge Loan
A bridge loan is a short-term financing option that allows you to tap into the equity of your current property to use towards the purchase of your new home.
BENEFITS
- Ability to buy before selling
- 0% interest + $0 payments on funds
- Avoid the hassle of moving twice
California's Pathway to Homeownership Grant Program
This program offers essential support for first-time buyers in underserved communities, providing up to $10,000 in grants for closing costs.
BENEFITS
- Receive up to $10,000 for closing costs
- Grant does not need to be repaid
- Flexible income limits
Cash Offer
Give sellers an all cash offer with just 5% of your own cash – even if you’re a first-time buyer or own your current home!
BENEFITS
- Empowers buyers to become cash buyers and give sellers the most aggressive offer
- Close quickly and win competitive properties
- Can be used to purchase non-warrantable properties
EasyPath Mortgage Program
Trade up to the new home of your dreams with this innovative program that helps you qualify for a new mortgage while still on the hook for your existing mortgage.
BENEFITS
- More affordable than a bridge loan
- 180-day home sale guarantee
- Profit guaranteed when home sells
First-Time Buyer Rate Discount Program
First-time buyers can now get rates up to 1% LOWER permanently with JVM’s Rate Discount Program.
BENEFITS
- Erases all rate penalties
- Helps lower your monthly payment
- Lower rates are fixed for life
FREE 2-1 Lender-Paid Temporary Buydown
Buyers can lower their rate for 2 years – at no cost to them or the seller!
BENEFITS
- Buyers can lower their rate for 2 years – for free!
- No income limits!
- This program is for everyone – not just first-time homebuyers!
Home + Solar Panel Mortgage Loan
Seamlessly integrate the cost of solar panels into your mortgage, reducing upfront expenses while boosting your home’s energy efficiency.
BENEFITS
- 0% to 3.5% down payment
- Receive 3.5% credit
- Combine your solar & mortgage into one loan
Instant Equity
This innovative program provides quick access to funds so you can buy a new home by leveraging the equity in your current property without selling!
BENEFITS
- Get immediate down payment funds
- No monthly payments required
- Can be used to finance non-warrantable properties
JVM's Special Purpose Credit Program
This program helps homebuyers unlock up to a $20K credit when purchasing a home in a qualifying census tract.
BENEFITS
- Receive a credit of up to $20K
- 2.5% lender credit to lower rate
- Property must be located within designated census tract
15-Year Fixed-Rate
The shorter term makes a 15-year loan a great option for those looking to pay off their mortgage quickly and are comfortable taking on a higher monthly payment.
BENEFITS
- Pay off your mortgage faster
- Pay less interest
- Lower rates than 30-year mortgages
30-Year Fixed-Rate
This is one of the most popular mortgage loan options for a reason. The longer 30-year term means lower, fixed monthly payments over the life of the loan.
BENEFITS
- Low interest rates
- 3% down payment options
- Protects you against inflation risks
Adjustable-Rate Mortgage (ARM)
These loans offer very low interest rates for a set period (typically 5, 7 or 10 years), after which the interest rate will adjust and increase.
BENEFITS
- Great for buyers with short time horizons
- Lower monthly payments
- Down payments as low as 5%
Fannie Mae HomeReady®
This lending program is designed to make homeownership more accessible and affordable for low to moderate-income borrowers.
BENEFITS
- Down payments as low as 3%
- Closes fast – 14 days or less!
- Can use rental income to qualify
Freddie Mac Home Possible®
This lending program is designed to make homeownership more accessible and affordable for low-income borrowers.
BENEFITS
- Down payments as low as 3%
- Allows multiple down payment sources
- Can use rental income to qualify
Jumbo
Jumbo loans are a non-conforming loan option perfect for buyers looking in higher-priced locations or who have a more expansive homebuying budget.
BENEFITS
- Super low interest rates – available exclusively to JVM clients
- Loan amounts up to $3 million
- Mortgage Insurance (PMI) is not required
FHA
FHA loans have flexible qualification requirements and low down payment options, making them a great option for first-time homebuyers.
BENEFITS
- 3.5% down payment options
- Flexible credit requirements
- Fast closes – as little as 14 days
VA
VA loans are available exclusively to veterans and active-duty personnel (along with their spouses) and are guaranteed by the U.S. Department of Veteran Affairs.
BENEFITS
- No down payment required for qualified buyers
- Low interest rates
- Flexible underwriting guidelines
Cash-Out Refinance
A cash-out refinance gives you access to cash for home improvements, tuition, and debt consolidation by utilizing the equity you have already accumulated for your home.
BENEFITS
- Receive cash using your home equity
- No second mortgage required
- Access funds to renovate your home
Chapter 13 Bankruptcy Refinance
Refinancing your mortgage during Chapter 13 can provide a means of achieving financial stability and a pathway to a fresh start.
BENEFITS
- Consolidate or pay off debt
- Get out of bankruptcy entirely
- Lower your overall debt payments
Home Equity Loan
Ideal for homeowners seeking additional funds, whether for home improvements, debt consolidation, or other major expenses.
BENEFITS
- Avoid the variable interest rate risk
- Does not require you to refinance
- Immediate access to all funds
No Cost Refinance
A no cost refinance allows you to refinance your home without having to pay any money out-of-pocket for your closing costs.
BENEFITS
- Requires no cash out-of-pocket
- Gives you short-term savings
- Save your cash for other expenses
Rate and Term Refinance
A rate and term refinance allows you to lower your interest rate and improve your mortgage terms without changing the amount of money owed on your home.
BENEFITS
- Lower your monthly mortgage payment
- Lock in a lower interest rate
- Remove mortgage insurance
Bank Statement Loan
A bank statement mortgage loan is a unique type of home loan designed to cater to those with non-traditional income sources.
BENEFITS
- For buyers with non-traditional income
- Simplified income verification process
- More flexibility than traditional loans
ITIN
These loans are designed to assist non-U.S. citizens in purchasing a home, giving access to the American dream of homeownership to more buyers.
BENEFITS
- Buy a home as non-U.S. citizen
- No social security number required
- No visa required
No Income Verification
If you’re struggling to qualify for a traditional mortgage, we have a loan that is an ideal alternative to hard money with no income verification requirements at all.
BENEFITS
- No income verification required
- No minimum credit scores
- Available to foreign nationals
Non-QM
Non-QM loans provide alternative mortgage financing options for homebuyers who may not qualify based on traditional lending requirements.
BENEFITS
- Ideal for buyers with large portfolios
- Qualify with non-traditional income
- Avoid providing extra documentation
Renovation Loan
A renovation home loan is your golden ticket to transforming a fixer-upper into your dream home by allowing you to bundle the cost of the home and the renovation into a single mortgage loan.
BENEFITS
- Wrap your renovation costs into your loan
- Fast repairs let you build equity faster
- Flexible property types
DSCR
DSCR Mortgage Loans (Debt Service Coverage Ratio Loans) are a specialized type of lending product designed with real estate investors in mind.
BENEFITS
- Use less traditional income sources
- Improve cash flow & increase returns
- Ideal for financing investment properties
Investment Property
Investing in real estate is a great way to increase your monthly income by renting the property and allows you to diversify your investment portfolio.
BENEFITS
- Generate income through renting
- Get more tax breaks & deductions
- Build equity & increase wealth
FHA
FHA loans have flexible qualification requirements and low down payment options, making them a great option for first-time homebuyers.
BENEFITS
- 3.5% down payment options
- Flexible credit requirements
- Fast closes – as little as 14 days
VA
VA loans are available exclusively to veterans and active-duty personnel (along with their spouses) and are guaranteed by the U.S. Department of Veteran Affairs.
BENEFITS
- No down payment required for qualified buyers
- Low interest rates
- Flexible underwriting guidelines
1% Down Payment
Our 1% Down Payment Loan is a unique offering that allows eligible borrowers to contribute just 1% of the purchase price as their down payment.
BENEFITS
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
3% Down Payment
This program offers a robust solution to the challenges faced by many prospective homeowners!
BENEFITS
- No PMI = significant monthly savings
- Only requires a 3% down payment
- Flexible credit guidelines
Bridge Loan
A bridge loan is a short-term financing option that allows you to tap into the equity of your current property to use towards the purchase of your new home.
BENEFITS
- Ability to buy before selling
- 0% interest + $0 payments on funds
- Avoid the hassle of moving twice
California's Pathway to Homeownership Grant Program
This program offers essential support for first-time buyers in underserved communities, providing up to $10,000 in grants for closing costs.
BENEFITS
- Receive up to $10,000 for closing costs
- Grant does not need to be repaid
- Flexible income limits
Cash Offer
Give sellers an all cash offer with just 5% of your own cash – even if you’re a first-time buyer or own your current home!
BENEFITS
- Empowers buyers to become cash buyers and give sellers the most aggressive offer
- Close quickly and win competitive properties
- Can be used to purchase non-warrantable properties
EasyPath Mortgage Program
Trade up to the new home of your dreams with this innovative program that helps you qualify for a new mortgage while still on the hook for your existing mortgage.
BENEFITS
- More affordable than a bridge loan
- 180-day home sale guarantee
- Profit guaranteed when home sells
First-Time Buyer Rate Discount Program
First-time buyers can now get rates up to 1% LOWER permanently with JVM’s Rate Discount Program.
BENEFITS
- Erases all rate penalties
- Helps lower your monthly payment
- Lower rates are fixed for life
FREE 2-1 Lender-Paid Temporary Buydown
Buyers can lower their rate for 2 years – at no cost to them or the seller!
BENEFITS
- Buyers can lower their rate for 2 years – for free!
- No income limits!
- This program is for everyone – not just first-time homebuyers!
Home + Solar Panel Mortgage Loan
Seamlessly integrate the cost of solar panels into your mortgage, reducing upfront expenses while boosting your home’s energy efficiency.
BENEFITS
- 0% to 3.5% down payment
- Receive 3.5% credit
- Combine your solar & mortgage into one loan
Instant Equity
This innovative program provides quick access to funds so you can buy a new home by leveraging the equity in your current property without selling!
BENEFITS
- Get immediate down payment funds
- No monthly payments required
- Can be used to finance non-warrantable properties
JVM's Special Purpose Credit Program
This program helps homebuyers unlock up to a $20K credit when purchasing a home in a qualifying census tract.
BENEFITS
- Receive a credit of up to $20K
- 2.5% lender credit to lower rate
- Property must be located within designated census tract
15-Year Fixed-Rate
The shorter term makes a 15-year loan a great option for those looking to pay off their mortgage quickly and are comfortable taking on a higher monthly payment.
BENEFITS
- Pay off your mortgage faster
- Pay less interest
- Lower rates than 30-year mortgages
30-Year Fixed-Rate
This is one of the most popular mortgage loan options for a reason. The longer 30-year term means lower, fixed monthly payments over the life of the loan.
BENEFITS
- Low interest rates
- 3% down payment options
- Protects you against inflation risks
Adjustable-Rate Mortgage (ARM)
These loans offer very low interest rates for a set period (typically 5, 7 or 10 years), after which the interest rate will adjust and increase.
BENEFITS
- Great for buyers with short time horizons
- Lower monthly payments
- Down payments as low as 5%
Fannie Mae HomeReady®
This lending program is designed to make homeownership more accessible and affordable for low to moderate-income borrowers.
BENEFITS
- Down payments as low as 3%
- Closes fast – 14 days or less!
- Can use rental income to qualify
Freddie Mac Home Possible®
This lending program is designed to make homeownership more accessible and affordable for low-income borrowers.
BENEFITS
- Down payments as low as 3%
- Allows multiple down payment sources
- Can use rental income to qualify
Jumbo
Jumbo loans are a non-conforming loan option perfect for buyers looking in higher-priced locations or who have a more expansive homebuying budget.
BENEFITS
- Super low interest rates – available exclusively to JVM clients
- Loan amounts up to $3 million
- Mortgage Insurance (PMI) is not required
FHA
FHA loans have flexible qualification requirements and low down payment options, making them a great option for first-time homebuyers.
BENEFITS
- 3.5% down payment options
- Flexible credit requirements
- Fast closes – as little as 14 days
VA
VA loans are available exclusively to veterans and active-duty personnel (along with their spouses) and are guaranteed by the U.S. Department of Veteran Affairs.
BENEFITS
- No down payment required for qualified buyers
- Low interest rates
- Flexible underwriting guidelines
Cash-Out Refinance
A cash-out refinance gives you access to cash for home improvements, tuition, and debt consolidation by utilizing the equity you have already accumulated for your home.
BENEFITS
- Receive cash using your home equity
- No second mortgage required
- Access funds to renovate your home
Chapter 13 Bankruptcy Refinance
Refinancing your mortgage during Chapter 13 can provide a means of achieving financial stability and a pathway to a fresh start.
BENEFITS
- Consolidate or pay off debt
- Get out of bankruptcy entirely
- Lower your overall debt payments
Home Equity Loan
Ideal for homeowners seeking additional funds, whether for home improvements, debt consolidation, or other major expenses.
BENEFITS
- Avoid the variable interest rate risk
- Does not require you to refinance
- Immediate access to all funds
No Cost Refinance
A no cost refinance allows you to refinance your home without having to pay any money out-of-pocket for your closing costs.
BENEFITS
- Requires no cash out-of-pocket
- Gives you short-term savings
- Save your cash for other expenses
Rate and Term Refinance
A rate and term refinance allows you to lower your interest rate and improve your mortgage terms without changing the amount of money owed on your home.
BENEFITS
- Lower your monthly mortgage payment
- Lock in a lower interest rate
- Remove mortgage insurance
Bank Statement Loan
A bank statement mortgage loan is a unique type of home loan designed to cater to those with non-traditional income sources.
BENEFITS
- For buyers with non-traditional income
- Simplified income verification process
- More flexibility than traditional loans
ITIN
These loans are designed to assist non-U.S. citizens in purchasing a home, giving access to the American dream of homeownership to more buyers.
BENEFITS
- Buy a home as non-U.S. citizen
- No social security number required
- No visa required
No Income Verification
If you’re struggling to qualify for a traditional mortgage, we have a loan that is an ideal alternative to hard money with no income verification requirements at all.
BENEFITS
- No income verification required
- No minimum credit scores
- Available to foreign nationals
Non-QM
Non-QM loans provide alternative mortgage financing options for homebuyers who may not qualify based on traditional lending requirements.
BENEFITS
- Ideal for buyers with large portfolios
- Qualify with non-traditional income
- Avoid providing extra documentation
Renovation Loan
A renovation home loan is your golden ticket to transforming a fixer-upper into your dream home by allowing you to bundle the cost of the home and the renovation into a single mortgage loan.
BENEFITS
- Wrap your renovation costs into your loan
- Fast repairs let you build equity faster
- Flexible property types
DSCR
DSCR Mortgage Loans (Debt Service Coverage Ratio Loans) are a specialized type of lending product designed with real estate investors in mind.
BENEFITS
- Use less traditional income sources
- Improve cash flow & increase returns
- Ideal for financing investment properties
Investment Property
Investing in real estate is a great way to increase your monthly income by renting the property and allows you to diversify your investment portfolio.
BENEFITS
- Generate income through renting
- Get more tax breaks & deductions
- Build equity & increase wealth
15-Year Fixed-Rate
The shorter term makes a 15-year loan a great option for those looking to pay off their mortgage quickly and are comfortable taking on a higher monthly payment.
BENEFITS
- Pay off your mortgage faster
- Pay less interest
- Lower rates than 30-year mortgages
30-Year Fixed-Rate
This is one of the most popular mortgage loan options for a reason. The longer 30-year term means lower, fixed monthly payments over the life of the loan.
BENEFITS
- Low interest rates
- 3% down payment options
- Protects you against inflation risks
Adjustable-Rate Mortgage (ARM)
These loans offer very low interest rates for a set period (typically 5, 7 or 10 years), after which the interest rate will adjust and increase.
BENEFITS
- Great for buyers with short time horizons
- Lower monthly payments
- Down payments as low as 5%
1% Down Payment
Our 1% Down Payment Loan is a unique offering that allows eligible borrowers to contribute just 1% of the purchase price as their down payment.
BENEFITS
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
3% Down Payment
This program offers a robust solution to the challenges faced by many prospective homeowners!
BENEFITS
- No PMI = significant monthly savings
- Only requires a 3% down payment
- Flexible credit guidelines
Fannie Mae HomeReady®
This lending program is designed to make homeownership more accessible and affordable for low to moderate-income borrowers.
BENEFITS
- Down payments as low as 3%
- Closes fast – 14 days or less!
- Can use rental income to qualify
FHA
FHA loans have flexible qualification requirements and low down payment options, making them a great option for first-time homebuyers.
BENEFITS
- 3.5% down payment options
- Flexible credit requirements
- Fast closes – as little as 14 days
Freddie Mac Home Possible®
This lending program is designed to make homeownership more accessible and affordable for low-income borrowers.
BENEFITS
- Down payments as low as 3%
- Allows multiple down payment sources
- Can use rental income to qualify
VA
VA loans are available exclusively to veterans and active-duty personnel (along with their spouses) and are guaranteed by the U.S. Department of Veteran Affairs.
BENEFITS
- No down payment required for qualified buyers
- Low interest rates
- Flexible underwriting guidelines
Cash-Out Refinance
A cash-out refinance gives you access to cash for home improvements, tuition, and debt consolidation by utilizing the equity you have already accumulated for your home.
BENEFITS
- Receive cash using your home equity
- No second mortgage required
- Access funds to renovate your home
Chapter 13 Bankruptcy Refinance
Refinancing your mortgage during Chapter 13 can provide a means of achieving financial stability and a pathway to a fresh start.
BENEFITS
- Consolidate or pay off debt
- Get out of bankruptcy entirely
- Lower your overall debt payments
Home Equity Loan
Ideal for homeowners seeking additional funds, whether for home improvements, debt consolidation, or other major expenses.
BENEFITS
- Avoid the variable interest rate risk
- Does not require you to refinance
- Immediate access to all funds
No Cost Refinance
A no cost refinance allows you to refinance your home without having to pay any money out-of-pocket for your closing costs.
BENEFITS
- Requires no cash out-of-pocket
- Gives you short-term savings
- Save your cash for other expenses
Rate and Term Refinance
A rate and term refinance allows you to lower your interest rate and improve your mortgage terms without changing the amount of money owed on your home.
BENEFITS
- Lower your monthly mortgage payment
- Lock in a lower interest rate
- Remove mortgage insurance
DSCR
DSCR Mortgage Loans (Debt Service Coverage Ratio Loans) are a specialized type of lending product designed with real estate investors in mind.
BENEFITS
- Use less traditional income sources
- Improve cash flow & increase returns
- Ideal for financing investment properties
Investment Property
Investing in real estate is a great way to increase your monthly income by renting the property and allows you to diversify your investment portfolio.
BENEFITS
- Generate income through renting
- Get more tax breaks & deductions
- Build equity & increase wealth
Bank Statement Loan
A bank statement mortgage loan is a unique type of home loan designed to cater to those with non-traditional income sources.
BENEFITS
- For buyers with non-traditional income
- Simplified income verification process
- More flexibility than traditional loans
Bridge Loan
A bridge loan is a short-term financing option that allows you to tap into the equity of your current property to use towards the purchase of your new home.
BENEFITS
- Ability to buy before selling
- 0% interest + $0 payments on funds
- Avoid the hassle of moving twice
ITIN
These loans are designed to assist non-U.S. citizens in purchasing a home, giving access to the American dream of homeownership to more buyers.
BENEFITS
- Buy a home as non-U.S. citizen
- No social security number required
- No visa required
No Income Verification
If you’re struggling to qualify for a traditional mortgage, we have a loan that is an ideal alternative to hard money with no income verification requirements at all.
BENEFITS
- No income verification required
- No minimum credit scores
- Available to foreign nationals
Non-QM
Non-QM loans provide alternative mortgage financing options for homebuyers who may not qualify based on traditional lending requirements.
BENEFITS
- Ideal for buyers with large portfolios
- Qualify with non-traditional income
- Avoid providing extra documentation
Renovation Loan
A renovation home loan is your golden ticket to transforming a fixer-upper into your dream home by allowing you to bundle the cost of the home and the renovation into a single mortgage loan.
BENEFITS
- Wrap your renovation costs into your loan
- Fast repairs let you build equity faster
- Flexible property types
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