JVM Lending

Looking for something to spice up your offer in a competitive housing market? A Rent-Back might be the perfect thing to entice sellers to pick your offer. #realestate #housingmarket #mortgage #homebuying #rentback https://bit.ly/32hDERb

We talked about jumbo loans on Monday and we're following up on that topic and discussing why jumbo interest rates are so much lower than conforming loans - especially now. #interestrates #jumboloans #jumbointerestrates https://www.jvmlending.com//why-jumbo-interest-rates-much/

The housing market is only expected to get hotter for buyers - are you prepared for the competition? We can't express how important it is to get pre-approved before you look at houses. Once you've made an offer, our team will call the listing agent for you and tout the strength of your pre-approval to help you win in a multiple-offer situation. Contact us to learn more! #realestate #housingmarket #californiarealestate #homebuyers #homebuying https://cnb.cx/3s7UaO7

Jumbo loans are mortgages that exceed Conforming Limits: $548,250 in low-cost areas (like Texas) and $822,375 in high-cost areas (like most of coastal California). Jumbo loans usually have strict loan requirements for such things as: 1) Minimum tradelines on a credit report; 2) Minimum credit scores; 3) Liquid reserves held after closing; 4) Debt ratios; and 5) Down payment. #jumbo #loans #mortgageloans #loanlimits https://www.jvmlending.com//jumbo-lending-explained-how-w/

There’s no place we’d rather be than in a sunny, bloom-filled backyard. If your green spaces need an update, here are lots of ways to elevate your garden. Which one is your favorite? #garden #indooroutdoorliving #greenspaces #homedesign #homeinspo

Many young homebuyers count on their parents for assistance when planning to finance a new home purchase. If you're a parent and planning on helping your child purchase a home, these five options are for you! #realestate #mortgages #homebuying #homebuyers https://www.jvmlending.com//buying-a-home-for-your-child-/

According to the #wsj, there are over 200 major hedge fund firms snapping up housing inventory en masse, keeping real estate inventory that much tighter and creating that much more competition for individual homebuyers. JVM's super-team is available 7 days a week to help our homebuyers beat the competition and quickly close on the home of their dreams. #realestate #housinginventory #homebuyers #homebuying https://www.jvmlending.com//the-other-reason-housing-inve/

"As professional and communicative as it comes in the lending world, JVM is the Bay Area leader in getting the job done when they say they will and closing the transaction on time, every time." - Doug Sager #testimonial #testimonialtuesday #clientappreciation #realtor #jvmlending #realestateagent

One of the most frustrating and expensive aspects of our business is dealing with low appraisals. Lenders don't have nearly as much control over appraisals as borrowers and real estate agents may think - and it's mostly due in part to Andrew Cuomo. #appraisals #homevalue #andrewcuomo

The appraiser whose valuation came in a few thousand dollars under may have actually saved you tens of thousands of dollars. #appraisal #appraiser #homevalue https://www.jvmlending.com//appraisers-cant-push-values-m/

How could Frasier possibly pull off that design, let alone his mortgage, on a local radio personality's salary? Sure, the ‘90s were an economic boom timebut not even that can make up for his out-of-control sherry and opera habit. #frasier #mortgage #frasierapartment https://www.gq.com/sto/how-did-frasier-afford-his-apartment

Is the refi boom over? Not so fast - there are still millions of borrowers who can benefit from a refi, particularly if they have PMI or debts to consolidate. #refinance #refi #mortgagerates #mortgageinsurance https://www.jvmlending.com//refi-boom-over-record-appreci/

One of the more persistent tropes is that millennials are still a generation of renters. However, a significant number now owns a home. #millennials #rentvsbuy #homeowners https://cnb.cx/3wdBX5a

12% of world trade travels through the Suez canal. This works out to about $400 million of goods every hour; about 3.3 million tons of goods every hour; and about $10 billion worth of goods every day. So, what the Suez Canal crisis really means is more inflation due to another broken supply chain and the resulting increase in production costs. #suezcanal #evergiven #worldtarde #interestrates https://www.jvmlending.com//why-a-giant-stuck-ship-suez-c/

We love this review! Thank you so much for the 5-star review, we pride ourselves on offering low rates and exceptional service for our clients' purchases and refinances! #clientreview #customerreview #fivestars

During the pandemic more buyers than ever before were more game to buy sight unseen. It might seem risky to put a down payment on a house you've never seen in person, but these tips might help you feel more comfortable taking the leap. #realestate #covid19 #homebuying

As we start 2021, this is a reminder to every team member (especially to JVMers) to think like owners. Equally important, this is a reminder to every leader to not only listen to their team members but to encourage the sharing of ideas. We certainly do at JVM, and it is a major source of all of our innovations and stellar customer service. #teamwork #teams #business #growth #businessadvice

Happy New Year! Thank you so much for all of your support this past year! We can't wait to see what this new year has in store and to continue to help our thousands of buyers and agent partners in 2021 #happynewyear #hny #2021

Wishing you a safe and happy new year! Here's to 2021 #happynewyear #nye #2021

If there's one thing that isn't slowing down this holiday season it's home sales. Are you ready to buy a new home? You're not alone and JVM Lending can help you put together a competitive offer. #realestate #housingmarket #homebuying

Square footage has been on many homebuyers' minds lately - especially when trying to cram #wfh with #distancelearning2020. This family of four is making it work with only 600 square feet! #realestate #nyt #homesweethome

During this season of nostalgia, this article is a great reminder to appreciate how good things really are right now, despite everything we’re going through, and to look forward to the future. #nostalgia #goodolddays #future #wsj

Don't forget! We will be modifying some of our usual hours and weekend coverage in light of the Christmas Holiday. If you have any questions about your loan, email our team at [email protected]. #homeloans #mortgage #homebuyers

What are you taking time for that is meaningful for you this holiday season? As Ferriss now says "Not everything that is meaningful can be measured." If there's one thing this year has taught us, it's that sometimes, productivity DOES NOT matter. If you want to do something, efficiency and effectiveness shouldn't always take precedence. #timferriss #efficiency #productivity

These a just a few things that Santa's been seeing on a few homebuyer's holiday wish lists for their new home - are any of these features on your list? If not, tell us what you want in your new home in the comments below! #homebuyers #home #homeforsale

We loved working with the The Churchill Team to help their San Ramon buyers purchase their new home! #fastclose #homebuying

We have been advising borrowers against paying points for years. These are our top 5 reasons to avoid paying points (number 5 might surprise you). #mortgage #refinance #discountpoints

A borrower discovers $9,000 of points buried into their loan and another client comes to us with a ridiculously low rate quote for a 75% LTV cash-out investment property loan. What's going on here? These are some classic rate quote tricks in action. #mortgagerates #interestrates #mortgage

We are so glad that our team continues to give our clients, like Petro, the response time and updates to keep their homeownership process seamless, fast, and easy. Whether you are buying or refinancing a home, our team is here to help you every step of the way. #homebuying #homeownership #refinance

Anyone considering a refinance for their mortgage should read this blog to avoid being surprised when they lock in their rates #refinance #interestrates

Refinancing has never been so easy! If you are interested in lowering your interest rate and monthly payment, refinancing might be a great option for you! Contact our team today to see how a refinance can benefit your finances! https://www.jvmlending.com/refinance/

What a great review! All of our pre-approvals are pre-underwritten which means that your offer will be stronger and close faster!

Have ya heard? We're taking to the podcasting waves! Check out our JVM Blog Podcast on #anchorfmpodcast - perfect for the avid blog subscriber on the go! #podcasting #podcast

We've been working on something special at JVM - any guesses as to what's in these boxes?

We are staunchly in Group A. Where do you stand on home decor for the holidays? #homedecor #homefortheholidays #holidays

Here are FHA’s 2021 maximum high cost and low cost loan limits: Are you ready to buy? FHA loans are a favorite for first-time homebuyers and buyers who have limited funds for down payments. Check out our blog to learn more about how these increased loan limits can be your winning advantage in hot markets. #realestate #homeloans #fhaloans

"When is the best time of year to sell a house?" The short answer is: With a shortage of inventory, anytime is a good time as long as interest rates are attractive and affordable (which they became this year)." #realestate #homebuying #homesforsale #mortgagerates #FoxBusiness

What are your thoughts on black exterior houses? Let us know by leaving us a / in the comments below! #homedesign #homeexterior #homestyle

What will happen to mortgage rates in 2021? That's the big question everyone wants the answer to. Here's our prediction for the new year. #mortgagerates #realestate #interestrates

Is direct lending the be-all, end-all? For us, yes! We could never offer our low rates, our multitude of loan programs or our 14-day closes if we were not a direct lending mortgage bank. #homeloans #mortgages #mortgagerates #directlender

The biggest reason mortgage rates have remained low is due to quantitative easing. This post from #BlackKnight is an excellent (and very short) read that explains this process clearly for homebuyers and homeowners. #mortgagerates #interestrates

The Federal Housing Finance Agency #FHFA announced that #conformingloan limits will increase in 2021. This is great news for homebuyers, as the new limits have many loan benefits! Check out our blog to see the top 5 reasons by loan limits matter. https://www.jvmlending.com//2021-conforming-loan-limits-i/

Purchasing or refinancing a home with JVM Lending has never been easier - our online application takes less than 5 minutes and our Mortgage Analysts are available 7 days a week to answer any questions that come up along the way. Get pre-approved today by applying now at jvmlending.com/get-started! #homebuying #refinance #preapproval

Happy (early) Thanksgiving! JVM Lending will be closing at 1 pm today and will remain closed on Thursday 11/26, and Friday 11/27 in observance of Thanksgiving. A Mortgage Analyst will, however, be on-call the entire weekend. Calls to our main line at (855) 855-4491 and emails to [email protected] will be monitored continuously on Saturday 11/28 and Sunday 11/29. #thanksgiving

Fannie Mae and Freddie Mac are increasing their conforming loan limits in 2021 to $548,250. This is a 7.5% increase from 2020 and is especially helpful for prospective homebuyers planning to buy in high-cost areas. #realestate #homebuying #fanniemae #FreddieMac

Negative rates sound really scary... but what it really means in practice is that banks and financial institutions have to pay central banks to keep their excess reserves parked at a central bank (like the Fed) instead of receiving interest. Learn more about what negative rates, when you can expect them, and what it means for your homebuying plans in today's blog! #mortgagerates #mortgages

Hot markets always foster appraisal issues because aggressive buyers in multiple bid situations frequently offer to pay far more for a property than what closed comparable sales can support. This blog has our comparable sales guide to help real estate agents and buyers figure out what sales are valid for appraisals. #appraisals #realestate

Low interest rates are spurring on strong demand - making a JVM pre-approval more invaluable than ever before. Many selling agents in the Bay Area are happy to hear that winning offers come from JVM - making our pre-approved buyers' offers as good as cash! #realestate #homebuying #housingmarket

Should sellers renovate their home before listing it? In today's hyper-competitive market, some buyers are willing to overlook cosmetic or minor repairs if it means snagging a home in their price range. Not sure how much renovation you're comfortable taking on as a new homeowner? Our team is here to help you talk through your options 7 days a week by phone or email! #homerenovation #homeownership #homebuyers

What do you think about Biden's homeownership plan? President-elect Joe Biden's plans include incentives for first-time homebuyers, ditching a tax break for investors, and ramping up affordable housing. #realestate #homeownership #firstimehomebuyer

We are bringing back our famous 14-Day Closes! And yes, that's CALENDAR DAYS, not business days! JVM's 14-Day Close, in conjunction with our pre-approvals and stellar reputation, make your offer equivalent to cash . What are you waiting for? Get pre-approved now by clicking our link in bio! - - #jvmlending #homeloan #mortgages #homebuyers

The things some people will do for their home... In 1962, developers shipped a Pacific Heights mansion across the bay. This was a cool read about some of our local Bay Area's housing history! #bayarearealestate #sanfranciscohousing #housing

We're like fairy godmothers, but for mortgages Our team is available 7 days a week and guarantees 60-minute response times so you're always updated on your loan's progress. Ready to make your homeownership dreams come true? Contact us today to get started! #homebuyer #homeownership #clientreview

Happy Veterans Day! JVM Lending and the markets in general are closed today in honor of the Federal Holiday. We will, however, have Mortgage Analysts on call all day who will be reachable via our main line at (855) 855-4491 or via email at [email protected]. ... #veteransday See more

In October, our team overwhelming voted for Leslie as our Employee of the Month because she handled 68+ contracts with never-ending friendliness! Leslie Anderson is our Senior Contract Desk Manager and an incredibly kind and smart member of our team. She explains market conditions to clients, quotes interest rates, and screens borrower contracts and loan files for issues before they move on to the Closing Process to ensure that their loan closes smoothly and quickly. #jvmteam #Spotlight #mortgageadvisor

Joe Biden was declared the winner of the election over the weekend, but the big news today is the positive vaccine news from both Pfizer and BioNTech, likely causing rates to continue to edge up. #covidvaccine #BidenHarris2020 #interestrates https://www.jvmlending.com/blog/biden-wins-and-vaccine-news/

Book your investment property now the #Airbnb market is robust and investment options are more viable than ever. #realestateinvesting #investmentproperties

Our advice for all buyers on the fence is to get in while the gettin' is good! With today's low rates, there's really no better time to buy than right now! #realestate #homebuying #mortgagerates

Ivan purchased his first home with the help of our team, and we are so happy to share that's successfuly closed on his new home! Our team makes the homebuying process so easy - get started on your homebuying journey by contacting our team to find out what you qualify for today! #clientlove #clientappreciation #firsttimehomebuyer

A few weeks ago, we predicted that the election would be contested and the uncertainty would cause rates to fall. And, today, the day after the election, there is tremendous uncertainty and rates fell. BUT - we were lucky with our prediction, as many experts' predictions have been proven wrong today. #Election #interestrates

Did you catch the latest article #forbes released about the "coming tsunami of foreclosures?" While the market may in fact be overheating, we aren't worried and think a foreclosure "tsunami" is highly unlikely for these reasons. #realestate #housingmarket #foreclosure

Low inventory and historically low interest rates are driving California's red-hot real estate market. According to the California Association of Realtors, home sales climbed to their highest level in more than a decade. #housingmarket #homebuying #homesforsale

Happy Halloweekend! We hope everyone has a frightfully gourd time this weekend! Check out our costumes this year - the JVM babies are the best, they're so cute! :) #happyhalloween #halloween2020 In the group pictures: Left to Right (Top Row): A Leaf Blower; Goth; Pumpkin; Scrawny Man; Apple Employee ... Left to Right (Bottom Row): Cheetah cat; Wednesday Adams; Bob Ross; Heejin & Jay; a Dill with it Pickle; Hippie; Purge Character; Pirate; Banana Head Wednesday Addams working the phones and answering questions Scrawny Jay K. Mistye In The Box Declan Armstrong is an adorable sloth Alex R. is a "Remote Employee" Nordgren babies are a sweet UFO and a cute Astronaut

A frustratingly common complaint from borrowers has to do with servicing. This confusing process affects every homeowner - today's blog breaks down each part of the process for you. #loanservicing #homeownership #mortgage

What is the best way to achieve the most success Big Team, Small Team, or Solo? It of course depends on how you define success Doing what you love? Making lots of money? Having more time with family? Leaving a lasting legacy? What is most important to you? ... #successtips #SuccessfulTeams #success See more

THEY DID IT! Officially homeowners during a pandemic! Owning a home has been a huge life goal for @buywith_britt. Brittany is a Realtor that we have worked with multiple times; after helping hundreds of people find their dream home it was finally her turn to start her own homeownership journey. Our team is over the moon that we were able to help make her homeownership dream a REALITY Repost from @buywith_britt ... #FirstTimeHomeBuyers #Homeowners #clientlove See more

Have you noticed home prices going up in areas you are house hunting in? Strong demand and a limited supply of homes have caused home prices to accelerate. The 10-City Composite posted a 4.7% gain in August, up from 3.5% in the previous month. #realestate #housingmarket #homebuying

Fannie postponed its refi fee until December 1st. So all refinance loans sold to Fannie Mae and/or investors after December 1st will be subject to the 1/2 point fee. We are bringing this up now instead of on December 1st because the extra fee started to show up in most lenders’ pricing (rates) last week. #refinance #fannieandfreddie #mortgagerates

Many homebuyers are familiar with the pain of dealing with inane conditions when purchasing a new home - but these purchase conditions take the cake! #wsj #homebuying #purchaseconditions

Let’s give ‘em pumpkin to talk about - help us choose the winner of our team’s pumpkin carving contest! Swipe through and comment the number of your favorite pumpkin design (brace yourselves, 6 is...unsettling ...) #halloween #pumpkin #pumpkincarving #jackolantern

Homeowners love refinancing with JVM - our team makes the entire refinance process fast, easy, and totally painless. Plus, we have some of the lowest rates available. What are you waiting for? Apply now to get started! https://www.jvmlending.com/get-started/ #homeownership #refinance #clientappreciation

If there’s something strange in your home buying process, who you gonna call? JVM! Bustin’ barriers to homeownership makes us feel good - take it from Tyler who purchased his first home in Martinez, CA with the help of our team. Plus he shares some advice from the entire process could save you thousands

How many of these remote work horrors have you experienced? The one that kills us the most is when we share a post woth a typo #halloween #remotework #wfh #britco

THANK YOU FOR YOUR SUPPORT!

How are you planning to celebrate Halloween this year? These are some unique and fun ways to turn your home into a spooktacular Halloween set-up that is both creative and socially-distanced! #halloween #homedecor #trickortreat2020

Online banking fraud is one of the most devastating threats for homebuyers. We always advise our clients to always call their escrow officer or one of our team members if they ever receive an email with wire transfer instructions, we also will never send wire instructions to any of our clients. #homebuyers #wirefraud

Hannah and I are ecstatic and looking forward to using the extra money [from the refinance] to pay off her student loans faster. " - Chester C. Refinancing your mortgage can save you thousands - what would you do with the extra savings? #clientreview #review #happyclient #testimonial #refinance

Working from home isn't too bad when you've got a view like this! Our team members, Desiree and Nik, have been working from a second-home that's right on the beach. Where would you rather have a second home to visit - on the beach or in the forest? #workfromhome #secondhome #beachlife

Did you catch our blog yesterday about where everyone is moving to? If you want to take a deeper dive into the data behind the predictions and trends pushing people to quit big cities, check out this podcast episode from #npr's #theindicator #realestate #homebuying

According to #Forbes, Americans in general are seeking less density, more outdoors, lower taxes, and less regulation in the places where they live and invest in real estate. COVID has created new housing trends - this is where Americans are moving to in 2020 and the reasons why: #realestate #realestateinvestment #homebuying

These are our top 10 "Hunter Tips," and no, these aren't for hunting. This blog is about a very successful friend of ours (named Hunter) who is also a fierce competitor in our Bay Area market who coaches many real estate agents on how to up their game. #realestateagents

We're so glad Matt had a gourd time working with our team to purchase his home in the Bay Area . With the mortgage industry still recovering from wide-spread delays, it can be scary to purchase a home - Our team is closing loans in 30 days or less and we are proud to continue to offer some of the lowest rates available! #clienttestimonial #clientlove #clientappreciation

Our team members have received a few questions about how you can qualify for a mortgage after a layoff or furlough. These are some helpful guidelines for qualifying after a layoff or employment gap. #preapproval #covidlayoffs

#Throwback to our team's BLT Lunch Day - our second favorite day (after Milton Friedman's Birthday). Heejin made tons of bacon and our team enjoyed a delicious lunch together. How are you staying connected to your team these days?