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JVM Lending - Clients

Residential Mortgage Lender JVM Lending NMLS 1657323
We make mortgages easy and do the hard work so you don't have to.

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.

First and foremost, in an effort to improve service, responsiveness and accountability, they eliminated all loan officers and replaced them with an extraordinary “super team” of highly trained and very skilled Mortgage Analysts and Closing Specialists.

They did this by ramping up their hiring standards to levels never before seen in the mortgage industry and by creating an exceptionally comprehensive training program that is also unmatched in the industry.

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.

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.

JVM Lending is a division of Vellum Mortgage, Inc. | NMLS 1657323 | Licensed in CA, TX, AZ, FL, MA, TN, ID | For licensing information go to www.nmlsconsumeraccess.org | Licensed under the CRMLA by the California Department of Business Oversight | Equal Housing Opportunity
Mar 28, 2023
Borrower
★ ★ ★ ★ ★
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
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 13, 2023
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
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
First Time Homebuyer
★ ★ ★ ★ ★
Great experience with victor and his team, made purchasing my first home a breeze.
Feb 26, 2023
First Time Homebuyer
★ ★ ★ ★ ★
Im so glad we chose JVM Lending! They were the obvious choice! They are very responsive. If someone wasnt 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
Client
★ ★ ★ ★ ★
JVM was very responsive with all my questions! Everyone I worked with throughout my process was fantastic!
Feb 24, 2023
Client
★ ★ ★ ★ ★
Awesome job!
Feb 22, 2023
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
Client
★ ★ ★ ★ ★
JVM has the best team in town!
Feb 9, 2023
Client
★ ★ ★ ★ ★
Great customer service and very knowledgeable. JVM got us the best deal! Highly recommend!
Feb 2, 2023
Borrower
★ ★ ★ ★ ★
They will get you the loan.
Jan 21, 2023
Client
★ ★ ★ ★ ★
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
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
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
Borrower
★ ★ ★ ★ ★
JVM is efficient, technologically up-to-date, and made the homebuying process as stress free as it can get.
Dec 3, 2022
Client
★ ★ ★ ★ ★
Awesome!
Nov 1, 2022
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
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
Client
★ ★ ★ ★ ★
JVM has redeemed themselves and Im 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. Im really pleased with her level of detail, and her willingness to rectify the situation. As you all know, it aint easy to buy in this market and its 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
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
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
Client
★ ★ ★ ★ ★
My husband and I had a great experience working with JVM - everyone was so friendly and the process was quick and efficient.
Aug 22, 2022
First Time Homebuyer
★ ★ ★ ★ ★
Amazing experience with JVM. Responsive, thoughtful and trusted. Would 100% go with JVM again as a first time home buyer
Jul 15, 2022
Borrower
★ ★ ★ ★ ★
We could not have been more satisfied with JVM Lending. The service, attentiveness, and communication we received was unmatched, and they went above and beyond to answer all our questions and work WITH us throughout the entire home-buying and closing process. Thank you, Wesley and team for your outstanding support!!
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