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TYPES OF MORTGAGES
We’ll find the right loan for you.
Whether you are a first-time homebuyer or have been around the block before, we offer all types of mortgage loans and terms to best suit your needs.
- No commitment
- No documents required
- No impact on your credit score
Our Most Popular Home Loans
Most Popular
30-Year Fixed-Rate
This is one of the most popular loan options for a reason. The longer 30-year term means lower, fixed monthly payments.
BENEFITS
- Low interest rates
- 3% down payment options
- Protects you against inflation risks
Ideal For High-Cost Areas
Jumbo
This non-conforming loan option is 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
Great for First-Time Homebuyers
FHA
FHA loans have flexible qualification requirements, low down payment options and very low rates, making them a great option for first-time buyers.
BENEFITS
- 3.5% down payment options
- Flexible credit requirements
- Fast closes - as little as 14 days
Lower Rates & Less Interest Paid
15-Year Fixed-Rate
A great option for those looking to pay off their mortgage quickly and willing to take on a higher payment.
BENEFITS
- Pay off your mortgage faster
- Pay less interest
- Lower rates than 30-year mortgages
0% Down Payment Options
VA
VA loans are available exclusively to US veterans and active-duty personnel. They offer low rates and flexible qualifying requirements.
BENEFITS
- No down payment required for qualified buyers
- Low interest rates
- Flexible underwriting guidelines
Low Starting Rates
Adjustable-Rate Mortgage (ARM)
ARMs offer very low starting interest rates, making qualifying easier when rates are climbing.
BENEFITS
- Great for buyers with short time horizons
- Lower monthly payments
More Loan Options
Conventional
Conventional loans are a great option for all types of homebuyers, from first-timers to seasoned investors.
Investment Property
Start earning profits from real estate while also building your retirement portfolio. We offer investment financing for 1 to 4 unit properties.
Refinance
Save money by refinancing into a lower rate or by consolidating your debt into a single, low-rate loan.
Construction Loan
Build the dream home you have always wanted with our two-step construction financing.
Bridge Loan
Bridge loans give homebuyers the flexibility to buy a new home before selling their current home.
Non-QM
Explore alternative mortgage financing options if you don't quite “fit into the mold” of a standard homebuyer.
NEXT STEP
Get Pre-Approved
Getting pre-approved is the first step in buying a home. By getting pre-approved, you can:
- Focus on your home search, knowing your financing is in JVM’s expert hands.
- Find out exactly what home price you qualify for and shop with comfort
- Improve your chances for homebuying success, since sellers heavily favor offers with pre-approvals from reputable lenders.
Talk To A Mortgage Expert
Whether you are a first-time buyer or buying your next investment property, we are happy to answer all of your questions.
- Review down payment and monthly payment scenarios
- Discuss credit issues and concerns
- See where interest rates are currently and discuss how they could impact your mortgage
We are committed to reinventing the mortgage lending model in order to provide outstanding service, low rates, and some of the fastest closing times in the industry.