JVM Lending
Call: (855) 855-4491
Email: jvmteam@jvmlending.com
The JVM Story
We were founded in 2006 by two grizzled mortgage industry veterans, Jay Voorhees and Heejin Kim – who were determined to do things differently – very differently. In 2008 they got their chance when the mortgage industry imploded in one of the biggest financial meltdowns in history.
People lost trust in mortgage lenders and the mortgage approval process became downright painful. Making matters worse, most loan officers couldn’t begin to keep up with all of the guideline and technology changes.
Jay and Heejin recognized these issues and sought to rectify them by completely reimagining the mortgage lending model.
More Experimental
Once the super team was in place, Jay and Heejin quickly realized that they could be even more experimental because their team was so talented and tech-savvy.
We were able to build, implement and test new systems and software in a fraction of the time that it took traditional mortgage models.
Super Platform & Super Team
As a result, we now have one of the most efficient and technologically advanced mortgage lending platforms in the industry. And THIS is why we are able to provide truly amazing customer experiences along with exceptionally low rates.
It is also why we have more five-star reviews than any other lender in the country – over 1,100 and counting!
It’s now been over a decade since the infamous mortgage meltdown and we are flourishing, and we owe it all to the extraordinary hard work and talent of our “super team.”
JVM Lending is a division of Vellum Mortgage, Inc. | NMLS 1657323 | Licensed under the CRMLA by the California Department of Business Oversight | Equal Housing Opportunity
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Recommendations (791)
Mar 28, 2023
Joel Bautista
recommends
JVM Lending - Clients
Borrower
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It's always a wonderful experience working with JVM. Hannah and Connie has been instrumental in making sure my buyers questions were answered in a timely manner. Overall the client experience and satisfaction is the key and you ladies did a fantastic job!!!
Mar 27, 2023
Isabel Carreras Baquer
recommends
JVM Lending - Clients
First Time Homebuyer
★
★
★
★
★
It was my first time buying a home and I expected it to be difficult, but with JMV it felt really easy. The lender was recommended by our realtor, Cameron Chatterton, also a great one, and the combo really worked out. JMV is a local and trustworthy team that is available to support and answer questions round the clock. They set the pace with regular emails explaining next steps and a handy portal with all the documentation. The format made for a fast and smooth closing process. We are excited to keep working them as we settle in. Thank you JMV team.
Mar 21, 2023
Laura Speelman
recommends
JVM Lending – Agents
Real Estate Agent
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★
★
I have worked with JVM many times through work and have seen how excellent they are with clients. This time, I was the client and I couldn't be happier with my experience. The team was always available to answer questions via phone and email, they were kind, knowledgeable, and timely to ensure a speedy and smooth closing. I have recommended them to clients, friends, and family in the past, and will continue to!
Mar 13, 2023
Clayton Cardinalli
recommends
JVM Lending - Clients
Borrower
★
★
★
★
★
I highly recommend Victor and his team at JVM Lending for their exceptional guidance and support throughout the process of purchasing my first investment property. They are a team of smart, dedicated, and highly skilled professionals who worked tirelessly to negotiate on my behalf and ensure that I got the best deal possible. Thanks to their expertise, I was able to close on my investment property with confidence and ease.
Mar 1, 2023
So & San
recommend
JVM Lending - Clients
First Time Homebuyer
★
★
★
★
★
First time homebuyers so everything was new to us, however JVM made the process smooth and efficient. We appreciated the responsiveness in communication. Not to mention, they are fast. We closed in 3 weeks.
Feb 27, 2023
B. Hernandez
recommends
JVM Lending - Clients
First Time Homebuyer
★
★
★
★
★
Great experience with victor and his team, made purchasing my first home a breeze.
Feb 26, 2023
Lidia Andrade
recommends
JVM Lending - Clients
First Time Homebuyer
★
★
★
★
★
Im so glad we chose JVM Lending! They were the obvious choice! They are very responsive. If someone wasnt available they made sure to find someone who was to answer my millions of questions. As a first time home buyer, Hannah helped make the process so easy to understand. Connie was great, too! 10/10 recommend.
Feb 24, 2023
Athena Rambajan
recommends
JVM Lending - Clients
Client
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★
★
★
★
JVM was very responsive with all my questions! Everyone I worked with throughout my process was fantastic!
Feb 22, 2023
Hannah Lee Pablo
recommends
JVM Lending - Clients
First Time Homebuyer
★
★
★
★
★
JVM was responsive to all my questions, and patiently walked me through the process as a first time home buyer. I never had to wait for an answer, because they always kept me up to date. They always made things easy to follow and read, and took the extra step to break things down when needed. They did an amazing job overall and made a big girl dream come true!
Feb 18, 2023
Danny Levitt
recommends
JVM Lending - Clients
Client
★
★
★
★
★
JVM has the best team in town!
Feb 15, 2023
Jackie B.
recommends
JVM Lending – Agents
Real Estate Agent
★
★
★
★
★
Updating my review 3 years later as I want to continue my ringing endorsement after the latest home close.After a great experience with JVM closing on a townhome in 2020, we decided to work again with JVM this time around. Competitive rates will always be a key factor when choosing a lender (which they have), but its the experience and support provided that really positions them as a standout lender.Their team structure, communication style, and sophisticated portal are thoughtfully designed to enable lightning speed response rates (critical in the bidding and closing process), proactive support, and highly transparent processes that are clear and easy to understand. With an expedited closing process, they still managed to move even faster and the experience on our end has been painless. I cant recommend JVM enough to any prospective homebuyer. 5 stars all around!
Feb 9, 2023
Stephany Magaa
recommends
JVM Lending - Clients
Client
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★
Great customer service and very knowledgeable. JVM got us the best deal! Highly recommend!
Feb 2, 2023
Nancy West
recommends
JVM Lending - Clients
Borrower
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★
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★
★
They will get you the loan.
Jan 21, 2023
Rommel Cuevas
recommends
JVM Lending - Clients
Client
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★
We want to give our deepest appreciation for ALL of your help during the past month!! There's just no way we could have made it through the whole process (that began for us back in Feb 2020!) without all your guidance, patience and professionalism. Hannah and the rest of the JVM team are a godsend!
Jan 6, 2023
Laura Kovacs
recommends
JVM Lending - Clients
First Time Homebuyer
★
★
★
★
★
JVM's process is the standard upon which all lending companies should build their workflows. After working with 3 other lenders, JVM takes the cake for customer service. From the start, our advisor was accessible, helpful, and knowledgeable. Uploading documents to the online portal was quick and easy. Our questions were always answered by competent team members. Big thanks to JVM for helping us buy our first home!
Jan 6, 2023
Ma Paula Taron S
recommends
JVM Lending - Clients
First Time Homebuyer
★
★
★
★
★
The best experience with them. This is our first home and they made the process quick and easy. Hannah was super nice and ready to help us with all the questions!
Dec 28, 2022
L. Wong
recommends
JVM Lending - Clients
Borrower
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★
★
JVM is efficient, technologically up-to-date, and made the homebuying process as stress free as it can get.
Nov 1, 2022
Dan Hartmann
recommends
JVM Lending - Clients
Borrower
★
★
★
★
★
I recently bought a house with JVM as my lender. All my contact with JVM was professional and efficient, and their ability to close quickly gave me a leg up on all the offers I made, including on the house I eventually bought.
Oct 30, 2022
Michael Fausek
recommends
JVM Lending - Clients
First Time Homebuyer
★
★
★
★
★
We used JVM as our lender for our first home. We were recommended to JVM from our realtor and they did not disappoint. As first time homebuyers, we were looking for a lender that would be very communicative and explanatory as went through the purchase process, and JVM did exactly that. The JVM team was always quick to respond via email or phone, or available for a phone call. We were very happy with our decision to work with the JVM team and would highly recommend them to others.
Oct 29, 2022
Angella S.
recommends
JVM Lending - Clients
Client
★
★
★
★
★
JVM has redeemed themselves and Im willing to let bygones be bygones.After my last experience, I was done with them. But the owner of the company, Heejin, reached out to me and really took the time to work with me. She listed to my grievances and because she wanted to understand my situation, she took time to do her homework before getting back to me with solutions. Im really pleased with her level of detail, and her willingness to rectify the situation. As you all know, it aint easy to buy in this market and its downright intimidating. So I was very impressed that she took time out of her busy schedule to do the right thing - what ALL mortgage lenders should be doing right now.Yelpers, I will certainly keep you posted on my progress. Keep your fingers crossed for me!
Oct 18, 2022
Angel Jauregui
recommends
JVM Lending - Clients
First Time Homebuyer
★
★
★
★
★
Being a first time home buyer, I was certainly overwhelmed by the many steps necessary to take when buying a home. Luckily a close friend referred us to JVM as the excellent choice for first time home buyers. And she was right! Not only is JVM very well known and established in the Bay Area but their team was very professional, knowledgeable, quick to respond, and always willing to answer questions - and I had many! I highly recommend JVM to anyone looking for a lender who will really work with you and explain things thoroughly. They are thorough with their due diligence (and it makes sense why) but once you're past this step, you're really in good hands. Thanks again JVM for your help and for giving us the opportunity to buy our first home. We couldn't be any happier!
Sep 23, 2022
Tyler Laskowski
recommends
JVM Lending - Clients
Borrower
★
★
★
★
★
Victor quickly provided us with a number of monthly payment numbers on the many houses we considered over our year-long buying process. When our offer was finally accepted JVM went into hyper-drive and the closing process went smoothly; and we even closed before our target close date. We highly recommend JVM.
Sep 6, 2022
Emily Backman
recommends
JVM Lending - Clients
Client
★
★
★
★
★
My husband and I had a great experience working with JVM - everyone was so friendly and the process was quick and efficient.
