Explore Our Loan Programs
About
Explore Our Loan Programs
Unleash the stylish rates acclimatized to meet your unique requirements. Whether you’re considering a 30-time fixed mortgage, a 15-time fixed plan, or the inflexibility of an adjustable-rate mortgage (ARM), we’ve the perfect result for your fiscal pretensions. Take advantage of our competitive rates moment and use our mortgage calculator to simplify your planning process. Let us guide you to the mortgage option that’s just right for you.
Moment’s Mortgage Rates
Available To All Buyers
Unsure about your current mortgage or refinancing options? Our experts are here to provide a second opinion and help you make an informed decision.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Available To All Buyers
Unsure about your current mortgage or refinancing options? Our experts are here to provide a the newlywed advantage and help you make an informed decision.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Available To All Buyers
Unsure about your current mortgage or refinancing options? Our experts are here to provide a second opinion and help you make an informed decision.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Available To All Buyers
Unsure about your current mortgage or refinancing options? Our experts are here to provide a the newlywed advantage and help you make an informed decision.
Highlights
- Especially reduced rates for couples
- Flexible prepayment options to match your budget
- Simplified, hassle-free operation process
Alternative Financing Options
Foreign National
Open the doors to U.S. homeownership with our Foreign National Loans, especially designed for transnational buyers. With flexible attestation conditions and customized support, you can secure the property you’ve been featuring of with ease.
Benefits
- No U.S. credit history needed
- Accessible terms for transnational buyers
- Smooth and effective blessing process
0% Down Payment Options
FHA Down payment assessment
Make homeownership attainable with FHA loans that concentrate on affordability. With lower down payments and relaxed credit conditions, this program is ideal for first-time buyers ready to take the coming step.
Crucial Features
- Low down payment options
- Inclusive for varying credit scores
- Backed by government assurance for peace of mind
Available To All Buyers
Unsure about your current mortgage or refinancing options? Our experts are here to provide a the newlywed advantage and help you make an informed decision.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Alternative Financing Options
Foreign National
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
Available To All Buyers
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
Available To All Buyers
Unsure about your current mortgage or refinancing options? Our experts are here to provide a second opinion and help you make an informed decision.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Available To All Buyers
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
Alternative Financing Options
Foreign National
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
Lower Rates & Less Interest Paid
15-Time Fixed-Rate Mortgages
Looking to pay off your mortgage briskly? The 15-time fixed-rate mortgage offers harmonious payments over a shorter term, saving you on long-term interest while erecting equity more snappily.
Advantages
- Shorter loan term for faster lucre
- Lower overall interest costs
- Fixed, predictable yearly payments
Most Popular
Achieve long-term financial stability with the 30-year fixed-rate mortgage, the gold standard for homeowners seeking reliability and predictability in their payments.
Benefits
- Fixed interest rate for peace of mind
- Consistent monthly payments
- Ideal for long-term planning and investment
Lower Rates For First-Time Buyers
First-Time Buyer Rate Discount Program
Take the first step into homeownership with our exclusive program for first-time buyers. Enjoy discounted rates and tailored terms that make your journey to owning a home easier and more affordable.
Highlights
- Exclusive rate discounts
- Flexible qualification requirements
- Expert guidance throughout the process
Ideal for Buyers Planning To Move Again
Adjustable-Rate Mortgage (ARM)
Embrace flexibility with an Adjustable-Rate Mortgage (ARM), offering an initial period of lower interest rates that adjust over time to reflect market trends. Ideal for those planning to move or refinance within a few years.
Features
- Competitive initial rates
- Adjustable terms for evolving financial needs
- A cost-effective solution for short-term ownership
Accessible Home Financing
Make homeownership within reach with Fannie Mae HomeReady®, designed to support low- to moderate-income borrowers with reduced down payments and competitive rates.
Advantages
- Affordable down payment options
- Flexible qualification criteria
- Favorable rates for those who qualify
3% Down Payment Options
Freddie Mac Home Possible® loans are ideal for low-income borrowers, featuring reduced mortgage insurance and flexible terms to make homeownership accessible and sustainable.
Benefits
- Lower private mortgage insurance costs
- Broad eligibility requirements
- Perfect for first-time buyers or those with limited income
Ideal For High-Cost Areas
Jumbo Loans
Thinking big? Our Jumbo Loans are perfect for financing luxury properties or high-value homes that exceed traditional loan limits, offering competitive rates and tailored options.
Highlights
- Higher loan limits for premium properties
- Competitive rates for larger investments
- Personalized terms for your needs
Great Pick For First-Time Buyers
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
Zero Down Payment
USDA mortgage loans are a zero down payment option that allows eligible homebuyers in designated rural areas to buy with 0% down.
Benefits
- Zero down payment required
- No maximum purchase price
- Home must be in USDA-designated rural area
0% Down Payment Options
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
Use Your Home Equity To Get Cash
Leverage your home’s equity with a Cash-Out Refinance. Whether you’re planning renovations, consolidating debt, or funding major expenses, this program provides the flexibility you need.
Advantages
- Access to cash for various purposes
- Competitive refinancing rates
- Maintain ownership while unlocking your home’s potential
Improve Your Financial Standing
Navigate financial recovery with our Chapter 13 Bankruptcy Refinance program. Designed for homeowners in unique circumstances, this solution provides a pathway to stability and growth.
Features
- Customized terms for challenging situations
- Support for rebuilding financial stability
- Flexible refinancing options
Avoid Paying Closing Costs
Exclude the outspoken costs of refinancing with our No-Cost Refinance program. This option makes it easier than ever to acclimate your loan terms or interest rate without fresh freights.
Advantages
- No out-of-fund costs
- Easy and streamlined process
- Save plutocrat while perfecting your mortgage terms
Get A Lower Rate
Rate and Term Refinance
Restructure your mortgage to more align with your pretensions. The Rate and Term Refinance program allows you to acclimate your loan’s terms or interest rate, offering further manageable yearly payments.
Highlights
- Flexible term adaptations
- Implicit for significant interest savings
- Streamlined restructuring process
Great For Self-Employed Buyers
Designed for tone-employed individualities, Bank Statement Loans allow you to corroborate income using your bank statements rather than traditional attestation.
Features
- Simplified qualification process
- Ideal for business possessors or freelancers
- No duty returns needed
No SSN Required
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
Alternative Financing Options
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
No Minimum Credit Score
No Income Verification Loans
Simplify your mortgage process with No Income Verification Loans. Perfect for those with unconventional income sources, these loans offer a streamlined approach to home backing.
Crucial Benefits
- No traditional income evidence needed
- Flexible and effective qualification
- Ideal for tone-employed borrowers
Great For Real Estate Investors
DSCR Loans (Debt-Service Coverage Rate)
DSCR loans feed to property investors, fastening on the income eventuality of the property rather than particular income, making it easier to expand your portfolio.
Advantages
- Grounded on rental property income
- No particular income verification needed
- Acclimatized for real estate investors
Invest In Real Estate
Investment Property Loans
Expand your real estate gambles with Investment Property Loans. Designed specifically for reimbursement or investment parcels, this program offers competitive terms to help you succeed.
Features
- Flexible prepayment options
- Competitive rates for investors
- Support for long-term investment pretensions
Perfect For Fixer-Uppers
Addition Loans
Turn your vision into reality with Addition Loans, which provide the finances you need to transfigure your property and enhance its value.
Highlights
- Backing for home advancements
- Increased property value
- Flexible prepayment terms
Great For Real Estate Investors
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
Invest In Real Estate
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
Receive A $6,500 Grant
Purchase Plus Program
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
- Receive a $6,500 homebuying grant
- Must currently live in certain geographic areas
- Exclusively for first-time homebuyers
0% Down Payment Options
FHA Down payment assessment
This low down payment option with reduced PMI is a win-win, by directly reducing down payment requirements and reducing monthly payments.
Benefits
- No down payment required for qualified buyers
- Low interest rates
- Available to ALL Buyers
Available To All Buyers
Unsure about your current mortgage or refinancing options? Our experts are here to provide a the newlywed advantage and help you make an informed decision.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Available To All Buyers
Unsure about your current mortgage or refinancing options? Our experts are here to provide a second opinion and help you make an informed decision.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Available To All Buyers
Unsure about your current mortgage or refinancing options? Our experts are here to provide a the newlywed advantage and help you make an informed decision.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Available To All Buyers
Unsure about your current mortgage or refinancing options? Our experts are here to provide a second opinion and help you make an informed decision.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Available To All Buyers
Unsure about your current mortgage or refinancing options? Our experts are here to provide a second opinion and help you make an informed decision.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Lower Rates For First-Time Buyers
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
Receive A $6,500 Grant
Purchase Plus Program
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
- Receive a $6,500 homebuying grant
- Must currently live in certain geographic areas
- Exclusively for first-time homebuyers
Lower Rates & Less Interest Paid
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
Most Popular
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
Ideal for Buyers Planning To Move Again
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%
Accessible Home Financing
Fannie Mae
HomeReady®
This lending program is designed to make homeownership more accessible and affordable for low to moderate-income borrowers.
Benefits
- Pay off your mortgage faster
- Pay less interest
- Lower rates than 30-year mortgages
3% Down Payment Options
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
Ideal For High-Cost Areas
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
Lower Rates For First-Time Buyers
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
Perfect For Fixer-Uppers
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
Lower Rates For First-Time Buyers
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
Receive A $6,500 Grant
Purchase Plus Program
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
- Receive a $6,500 homebuying grant
- Must currently live in certain geographic areas
- Exclusively for first-time homebuyers
Available To All Buyers
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
Great Pick For First-Time Buyers
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
Zero Down Payment
USDA
USDA mortgage loans are a zero down payment option that allows eligible homebuyers in designated rural areas to buy with 0% down.
Benefits
- Zero down payment required
- No maximum purchase price
- Home must be in USDA-designated rural area
0% Down Payment Options
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
0% Down Payment Options
FHA Down payment assessment
This low down payment option with reduced PMI is a win-win, by directly reducing down payment requirements and reducing monthly payments.
Benefits
- No down payment required for qualified buyers
- Low interest rates
- Available to ALL Buyers
Perfect For Fixer-Uppers
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
Accessible Home Financing
Fannie Mae
HomeReady®
This lending program is designed to make homeownership more accessible and affordable for low to moderate-income borrowers.
Benefits
- Pay off your mortgage faster
- Pay less interest
- Lower rates than 30-year mortgages
0% Down Payment Options
FHA Down payment assessment
This low down payment option with reduced PMI is a win-win, by directly reducing down payment requirements and reducing monthly payments.
Benefits
- No down payment required for qualified buyers
- Low interest rates
- Available to ALL Buyers
Lower Rates For First-Time Buyers
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
Great Pick For First-Time Buyers
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
3% Down Payment Options
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
Zero Down Payment
USDA
USDA mortgage loans are a zero down payment option that allows eligible homebuyers in designated rural areas to buy with 0% down.
Benefits
- Zero down payment required
- No maximum purchase price
- Home must be in USDA-designated rural area
0% Down Payment Options
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
0% Down Payment Options
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
Lower Rates For First-Time Buyers
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
Receive A $6,500 Grant
Purchase Plus Program
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
- Receive a $6,500 homebuying grant
- Must currently live in certain geographic areas
- Exclusively for first-time homebuyers
0% Down Payment Options
FHA Down payment assessment
This low down payment option with reduced PMI is a win-win, by directly reducing down payment requirements and reducing monthly payments.
Benefits
- No down payment required for qualified buyers
- Low interest rates
- Available to ALL Buyers
Available To All Buyers
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
No PMI Required!
3% Down Payment
This program offers a robust solution to the challenges faced by many prospective homeowners!
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Accessible Home Financing
Fannie Mae
HomeReady®
This lending program is designed to make homeownership more accessible and affordable for low to moderate-income borrowers.
Benefits
- Pay off your mortgage faster
- Pay less interest
- Lower rates than 30-year mortgages
Use Your Home Equity To Get Cash
Cash-Out Refinance
FHA loans have flexible qualification requirements and low down payment options, making them a great option for first-time homebuyers.
Benefits
- Receive cash using your home equity
- No second mortgage required
- Access funds to renovate your home
Improve Your Financial Standing
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
Avoid Paying Closing Costs
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
Get A Lower Rate
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
Perfect For Fixer-Uppers
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
Great For Self-Employed Buyers
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
No Minimum Credit Score
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
No SSN Required
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
Alternative Financing Options
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
Alternative Financing Options
Foreign National
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
Great For Real Estate Investors
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
Invest In Real Estate
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
Ready to find the perfect loan for your requirements? Communicate with us today to start your trip toward homeownership with confidence!
Available To All Buyers
Unsure about your current mortgage or refinancing options? Our experts are here to provide a second opinion and help you make an informed decision.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Available To All Buyers
Unsure about your current mortgage or refinancing options? Our experts are here to provide a the newlywed advantage and help you make an informed decision.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Available To All Buyers
Unsure about your current mortgage or refinancing options? Our experts are here to provide a second opinion and help you make an informed decision.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Available To All Buyers
Unsure about your current mortgage or refinancing options? Our experts are here to provide a second opinion and help you make an informed decision.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Available To All Buyers
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
No PMI Required!
3% Down Payment
This program offers a robust solution to the challenges faced by many prospective homeowners!
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Lower Rates & Less Interest Paid
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
Most Popular
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
Lower Rates For First-Time Buyers
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
Ideal for Buyers Planning To Move Again
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%
Accessible Home Financing
This lending program is designed to make homeownership more accessible and affordable for low to moderate-income borrowers.
Benefits
- Pay off your mortgage faster
- Pay less interest
- Lower rates than 30-year mortgages
3% Down Payment Options
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
Ideal For High-Cost Areas
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
Great Pick For First-Time Buyers
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
Zero Down Payment
USDA mortgage loans are a zero down payment option that allows eligible homebuyers in designated rural areas to buy with 0% down.
Benefits
- Zero down payment required
- No maximum purchase price
- Home must be in USDA-designated rural area
0% Down Payment Options
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
Use Your Home Equity To Get Cash
FHA loans have flexible qualification requirements and low down payment options, making them a great option for first-time homebuyers.
Benefits
- Receive cash using your home equity
- No second mortgage required
- Access funds to renovate your home
Improve Your Financial Standing
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
Avoid Paying Closing Costs
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
Get A Lower Rate
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
Great For Self-Employed Buyers
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
No SSN Required
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
Alternative Financing Options
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
No Minimum Credit Score
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
Great For Real Estate Investors
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
Invest In Real Estate
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
Receive A $6,500 Grant
Purchase Plus Program
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
- Receive a $6,500 homebuying grant
- Must currently live in certain geographic areas
- Exclusively for first-time homebuyers
0% Down Payment Options
FHA Down payment assessment
This low down payment option with reduced PMI is a win-win, by directly reducing down payment requirements and reducing monthly payments.
Benefits
- No down payment required for qualified buyers
- Low interest rates
- Available to ALL Buyers
Alternative Financing Options
Foreign National
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
Available To All Buyers
Unsure about your current mortgage or refinancing options? Our experts are here to provide a second opinion and help you make an informed decision.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Available To All Buyers
Unsure about your current mortgage or refinancing options? Our experts are here to provide a the newlywed advantage and help you make an informed decision.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Available To All Buyers
Unsure about your current mortgage or refinancing options? Our experts are here to provide a second opinion and help you make an informed decision.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Available To All Buyers
Unsure about your current mortgage or refinancing options? Our experts are here to provide a second opinion and help you make an informed decision.
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Lower Rates & Less Interest Paid
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
Most Popular
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
Ideal for Buyers Planning To Move Again
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%
Accessible Home Financing
Fannie Mae
HomeReady®
This lending program is designed to make homeownership more accessible and affordable for low to moderate-income borrowers.
Benefits
- Pay off your mortgage faster
- Pay less interest
- Lower rates than 30-year mortgages
3% Down Payment Options
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
Ideal For High-Cost Areas
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
Lower Rates For First-Time Buyers
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
Receive A $6,500 Grant
Purchase Plus Program
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
- Receive a $6,500 homebuying grant
- Must currently live in certain geographic areas
- Exclusively for first-time homebuyers
Available To All Buyers
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
Great Pick For First-Time Buyers
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
Zero Down Payment
USDA
USDA mortgage loans are a zero down payment option that allows eligible homebuyers in designated rural areas to buy with 0% down.
Benefits
- Zero down payment required
- No maximum purchase price
- Home must be in USDA-designated rural area
0% Down Payment Options
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
0% Down Payment Options
FHA Down payment assessment
This low down payment option with reduced PMI is a win-win, by directly reducing down payment requirements and reducing monthly payments.
Benefits
- No down payment required for qualified buyers
- Low interest rates
- Available to ALL Buyers
Available To All Buyers
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
No PMI Required!
3% Down Payment
This program offers a robust solution to the challenges faced by many prospective homeowners!
Benefits
- 2% forgivable grant included
- Low mortgage insurance options
- Fast close – 21 days or less
Accessible Home Financing
Fannie Mae
HomeReady®
This lending program is designed to make homeownership more accessible and affordable for low to moderate-income borrowers.
Benefits
- Pay off your mortgage faster
- Pay less interest
- Lower rates than 30-year mortgages
Great Pick For First-Time Buyers
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
3% Down Payment Options
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
Zero Down Payment
USDA
USDA mortgage loans are a zero down payment option that allows eligible homebuyers in designated rural areas to buy with 0% down.
Benefits
- Zero down payment required
- No maximum purchase price
- Home must be in USDA-designated rural area
0% Down Payment Options
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
Lower Rates For First-Time Buyers
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
Receive A $6,500 Grant
Purchase Plus Program
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
- Receive a $6,500 homebuying grant
- Must currently live in certain geographic areas
- Exclusively for first-time homebuyers
0% Down Payment Options
FHA Down payment assessment
This low down payment option with reduced PMI is a win-win, by directly reducing down payment requirements and reducing monthly payments.
Benefits
- No down payment required for qualified buyers
- Low interest rates
- Available to ALL Buyers
Use Your Home Equity To Get Cash
Cash-Out Refinance
FHA loans have flexible qualification requirements and low down payment options, making them a great option for first-time homebuyers.
Benefits
- Receive cash using your home equity
- No second mortgage required
- Access funds to renovate your home
Improve Your Financial Standing
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
Avoid Paying Closing Costs
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
Get A Lower Rate
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
Great For Self-Employed Buyers
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
No Minimum Credit Score
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
No SSN Required
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
Alternative Financing Options
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
Investment Opportunities
Foreign National
Navigating the U.S. real estate market can seem daunting, especially when it comes to understanding the intricacies of mortgage loans.
Benefits
- Simplified approval process for foreign buyers.
- Access to U.S. property investment opportunities.
- Personalized loan terms for diverse financial profiles.
Great For Real Estate Investors
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
Invest In Real Estate
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
Services
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