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JVM Lending Process Overview

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LOCK IN RATE
Complete file
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

lose 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
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