Explore Loan Programs
About
Explore Loan Programs
Navigating the journey of buying a home or refinancing a mortgage can be intricate. To give you a better understanding, we’ve shared insights about our team and our mission, offering a glimpse into what makes us unique.
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.Â
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 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
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.Â
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.Â
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
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
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 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
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
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
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
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.Â
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.Â
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
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