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JVM Lending Process Overview

START
Pre-Approval
Offers
Lock Rate
Close
START

You decide to buy a new home!

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.
Step 2

Get Pre-Approved.

What Happens

We 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.

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.

What Happens

Your Real Estate Agent sends us your ratified purchase contract and we:

  • 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.

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
Get Started