JVM Lending

Jay and his team make buying a home for first time home buyers a breeze. From that first call I had with Jay I already knew he’s a top notch expert in the space that is in this business because he enjoys it, and not because he’s here for money.
His whole team, specifically Jenna and Madeline, are such a pleasure to work with. I used to be a marketer for a customer service product so I know when I see good customer service. The whole team over at JVM really gets it. It’s not the fact that they are professional, polite, and responsive but it’s the fact that they really understand their customers. Their passion to help their customers succeed is what sets their service apart.
JVM was able to close my house in 20 days (including weekends!) and in such a crazy competitive environment like this — speed is crucial. I was lucky enough to only have 5 offers I was competing with (I know people have to deal with 10 – 20 offers during crazy times like these), mine stood out because of my agent and JVM. I know Jay even went above and beyond to call the seller’s agent and help turn things in my favor.
Thank you to the whole team at JVM. I can’t wait to move in to my new home!

JVM was FANTASTIC. Their level of customer service is beyond impressive. Every single person at JVM — top to bottom — exudes intelligence, and JVM’s ability to close on a house quickly is second to none. Honestly, everyone we worked with could teach a seminar on how to provide superb customer service. They are only a few companies left that treat customers like people. JVM Is one of them, and leader in their own right. I feel so lucky to have had them on my team as I purchased a house. They were beyond amazing. Could not possibly recommend them more highly.

The JVM team went above-​and-​beyond in answering all of our questions, helping us figure out our financing, and supporting us through the process. We are so thrilled about our new house. We would not have been able to successfully purchase this home without the JVM team. I highly recommend them if you’re in the market for a knowledgeable, highly responsive mortgage broker.

A top notch, professional team. Will do a good job start to finish. No regrets, recommending to colleagues and friends. Thanks Jay!

It’s hard to know where to begin singing my praises about the team at JVM.
My wife and I were first time home buyers, not savvy in any way, and we are also low to middle class, in other words JVM wasn’t going to make much –if any– money working with us. None of this gave JVM pause. From start to finish they treated us like their number one clients.
We fell in love with a little house that had been purchased by a developer for it’s large lot. The developer built 2 townhouses behind our little house and because of this the title was a bit of a mess. There were many bumps in the road, but JVM didn’t waiver. We asked them to please get our house closed by Christmas (about a month after we started the process), Heejin said they would try their best. I’m typing this review from our new home that we signed on 8 days before Christmas — plenty of time to move in and get our decorations up!
The entire team responded to emails at all hours of the day and night, always happy to help and ON IT. Heejin was a dream to talk to on the phone, one of this kindest and most intelligent people I’ve ever had the pleasure to work with. Everyone we worked with was patient as they guided us through the process for our first home.
If you are looking for a team to really get things done fast with no hassle these are the people for you, no question. Oh I also forgot to mention that when there was an issue (on the seller’s side) that caused us to have to push back our closing date, Heejin paid the cost to extend the hold on our interest rate out of her own pocket, she also offered to pay other costs for us should they arise because of the delay.
Heejin Kim, Chingchi Yu, Madeline Elbgal, Jenna Armstrong, and Jay Voorhies, all delivered old school, amazing, and attentive client service, the kind that is often lacking in business these days. I look forward to working with them for many many years to come.

JVM has made me a believer. As a boomerang buyer, dealing with my bank and a national online lender caused me to lose hope. From the moment my realtor introduced us to Jay and his team, we knew we were in good hands and would be able to purchase our dream home. My realtor recommended them as they are locally known and respected, professional and just having their letterhead included in an offer makes it so much stronger.
As this was not my first rodeo in the homeownership game, it was definitely the smoothest ride because of the team I worked with. Jay called me back on a Sunday night at 8pm when he got my first email. He introduced me to their amazing teammate Jenna who guided us through several challenges in the most professional and reassuring manner. Her communication was excellent and she had us approved in no time. Once we were in contract, Alex took over seamlessly and got us closed in 21 days. 21 days for an FHA loan with these crazy new TRID rules seemed impossible, but being holiday season, that 21 day close is ultimately what got us the house!
Thank you Jay, Jenna, Alex and the whole JVM team!

I had a great experience with JVM while buying my first home. They were very responsive over email or phone and answered every little question I had. They made sure I understood everything I saw, which I really appreciate. They were very efficient and very fast and made sure I closed on time (and actually we closed early). And, when it was all over, they sent me a beautiful doormat as a house warming present!

I wanted to say a big thank you to Heejin, Jay, Jenna, Chingchi and the rest of the team that make up JVM Lending.
I am a realtor based in the East Bay and I continue to be impressed by the extra steps they go through to get the best deal for their clients. It does not matter if its a loan for a $ 300,000 dollar condo to a multi-​million mansion, everyone gets the same
first class service and they all close the loans on time. They are able to fix unforeseen problems that can pop up during a transaction that the Big lender banks like Wells Fargo and B of A will get and grind to a halt
Jay and Heejin run a seven day mortgage business and can be reached on weekends which is not a service offered by most lenders.
I would recommend JVM Mortgage to anyone who is contemplating taking out a mortgage or a refinance.
Simon Watson, KW

Wow, what an amazing group to work with. We went from qualifying for $ 800k in purchasing power (and having to sell our condo to qualify) with other lenders, to $ 925k and we got to keep the condo that we currently own and closed in 21 days. The whole team was on top of it and move as fast as you can return the paperwork. The guided us through the whole process, set expectations and met them. We are so glad that we JVM was recommended by our real estate agent, Daniel Winker (who is also 5 star worthy) and even happier that we are in our new house. There is a reason they have so many 5 Start reviews – JVM is awesome!

JVM Lending is the best loan company! Even though it was a last minutes and other loan companies could not help us, they did a great job and we finally could purchase our fist home. They were so fast, responsible and their team work was amazing!
I would highly recommend JVM Lending.
Thank you very much Chingchi and Erin. We will ask your help again when we will buy our second house!

These are absolutely the most professional people I have ever worked with. I have a very unique situation and Heejin took hours to help me even though she knew she wouldn’t make any money on the deal.
Highly recommended to anyone!

My team and I love working with JVM and TEAM!
They’re fast, reliable and efficient. There’s always someone there to help assist us with any questions and concerns. Whether it is through email or phone. Someone is always there to help answer our questions.
The JVM team has been a tremendous help and support. Especially, with our first time home buyer’s. Our clients feels that they are being well taken care of, and that they are in good hands. Because JVM provides helpful updates throughout their loan process. It makes us feel at ease with the loan process. They’re always on top of their communication with all parties involved.
Everyone in their team is a class act and has been very professional throughout my working experience with their amazing team and company.
So far, my team and clients has nothing but great things to say about their staff and company. I would highly recommend JVM as your lender.
Thanks JVM for always being there and staying on top of our transaction.
Cheers!
Kenny and Mayury!
#fastagent

Loan officers are kind of like Realtors: their services don’t necessarily vary greatly, but the competency with which it is delivered does.
That said, when I was a new Realtor, Heejin Kim and Koko Gibbons at JVM were EXTRAORDINARILY helpful in making me aware of new loan products (did you know you can put 10% down, leverage that 10% as a Home Equity Line of Credit, and avoid paying hundreds a month in Private Mortgage Insurance? Once upon a time, I didn’t).
Their commitment to service is likely costly, as they don’t cut corners, but they likely make it up with referrals and volume. Definitely the type of business you’re EXCITED to send friends, clients and colleagues to, and they get my whole-​hearted recommendation. Would give 10 stars if I could.
Dan Silvert from Dan Silvert Homes Group

My husband and I had a very smooth home buying process thanks to JVM! I believe we closed on our home 2 months after we started looking in Oakland. Everything went according to JVM’s schedule — no hiccups with papers to sign, or missing documentation… They were the most responsive and helpful group we’ve ever had the pleasure to work with :)
I would highly recommend this team. In a day and age where calling a 1 – 800 number and waiting on hold for 30 minutes is the norm, JVMs service is unparalleled in any vertical. All this to say, we highly recommend JVM lending.

As a Realtor, I have worked with JVM many times and refer all my clients there. I have always been impressed by the level of service they provide and the responsiveness to any and all questions. When it came time for my fiancée and I to purchase, we turned to JVM as well. Working with them as the buyers was even more impressive. Everything was taken care of and addressed immediately. The efficiency in which they operate is unmatched.
The market is insanely competitive and had it not been for JVM we would not be able to get our offer accepted against 15 others and close in 14 days Even my fellow Realtors were impressed! I will continue to refer all my clients to JVM because they are simply the best!
Thank you all!

Simply put, below is my «thank you» note to Jenna, who along with her colleagues has done a tremendous job handling my SF purchase in 2014 as well as refinancing it in 2015 (absorbing all refinancing cost!!)
here it is and i meant every single word of it:
«I am very happy at my new SF home and YOU made it all happen, and more importantly closed in ONLY 21 days! a miracle in today’s SF market.
You and your team demonstrate genuine dedication and collaboration in all aspects of your jobs and my home buying and refinancing projects. You are extremely organized, reliable and supportive. You and your team use the utmost discretion and professionalism while handling highly confidential and time sensitive documents/​matters. Your follow-​up and follow-​through skills are unmatched and above all else, you are always graciously answer my numerous questions with such pleasant attitude.
It truly shines through that you all enjoy and take great pride in the services JVM Lending provides to its clients.»

Heejin and team at JVM Lending did a great job taking care of me during my recent new home purchase. My file was complex, with an error o and family about the home, jaws dropped when I mentioned a 14-​day close. Now, In my credit report, that Heejin’s team went above and beyond to fix. Almost immediately after the fix came through, I found my dream home and was able to buy with a 14 day close.
Jenna, Alex, Tiffany and Sean were responsive, organized, helpful, dedicated and came through for me. When I shared the news with my friends that I had such a short close, jaws dropped. It takes a team like Heejin’s in order to get that done!
Thank you everyone from JVM — you are the best!

with baby on the way, we needed to lock in a bid on a house as fast as possible and JVM Team made happen!
JVM Lending have fantastic team! responsive and dynamic! they have provide me the best mortgage experience I had so far. A stress free process, and always keep me updated with what is going on. I am not sure we could have secured a home without JVM Lending on our side.

Having the team at JVM on your side when you’re going through the mortgage process is a huge advantage in the game. We were able to secure a house in the competitive Bay Area housing market due to their ability to both promise and deliver on a 10-​day close. Jay was helpful from the beginning and asked all the right questions on the first call; he was available at any time via cell phone to us and our realtor for last-​minute questions. Erin patiently answered numerous questions and provided many different loan scenarios to us. Alex was also prompt with documents and made sure that we understood everything that we were signing. The staff were friendly and made the whirlwind process as easy as it could be for something that typically proceeds much more slowly.
We just received a gift from them yesterday – a lovely welcome mat for our new home. This speaks volumes about their thoughtful and conscientious customer service. We will definitely use them again should we need additional mortgage services.

I had a great experience working with JVM on my first house purchase this fall. I really had minimal knowledge about this entire process and Jay and his team were very patient with me, explaining each step thoroughly until they were sure I fully understood everything and was comfortable moving forward.
The home-​buying process was definitely complex but working with Jay and his team really took the stress out of it as I knew that I could always get a very prompt and thorough response with any questions that came up. I also need to mention that they got us an amazing rate locked in with additional credits from the lender so going with them proved to be a very financially prudent move.
I would definitely recommend anyone who is looking for a mortgage to work with JVM, I certainly will again in the future.