JVM Lending

JVM Lending Your Mortgage Super Team! JVM Lending is the premier Hybrid Mortgage Lender. We distinguish ourselves through extreme expertise and an education-first approach.

Helping families buy & refinance since 2006.
šŸ“š #1 Buyer Education šŸ’° Easy Refis šŸ«¶ Unmatched Expertise ā­ 1,300+ Five Stars šŸ” 10,900+ Families Served
Licensed in AZ, CA, FL, GA, ID, IL, LA, MA, OR, TN, TX
NMLS 1657323 We bridge the gap between the wholesale rates of a mortgage broker and the operational speed of a direct lender. Unlike traditional banks that rely on commissioned loan officers, JVM

Lending utilizes a unique Non-Commissioned "Super Team" model. Our entire staff is salaried, eliminating sales pressure and aligning our incentives solely with client success. We believe every homebuyer and homeowner deserves to feel 100% informed and confident in their decision to move forward with buying a home, refinancing, or tapping into their equity. From complex income scenarios to first-time purchases, our mortgage analysts provide the objective, data-driven advice you need to win in competitive markets. Based in Walnut Creek, CA, and serving California, Texas, Arizona, Florida, Oregon, Illinois, Georgia, Tennessee, Massachusetts, Louisiana, Idaho, and other licensed states, JVM Lending offers the speed, certainty, and transparency that modern borrowers demand.

06/01/2026

Looking to invest in raw land but can't find the right financing options? šŸ¤” Our specialized product could be your perfect match! We offer financing for up to 80% of the land's value (not just 50%) making land banking a reality for everyone, not just the deep-pocketed few!

With shifts in the marketplace, your land investment could see substantial value growth. Data centers, new home developments, or commercial spaces may soon be knocking on your investment's door!

Curious about unlocking these opportunities? Comment "start" belowā€”I'm here to guide you through the process and show you how accessible land investment can be.

šŸ“ˆšŸŒ
https://myoc.io/jvmlending

05/30/2026

Looking to lock in a lower mortgage payment for your first 2 years as a homeowner? We've given clients over $100,000 to pay for their temporary buydowns to do just that šŸ 

Enjoy low starting rates and gradually ease into your full interest rate, all while knowing you can refinance without any penalties. Plus, any leftover funds go straight towards reducing your principal balance!

Sellers aren't always able to offer these credits, but we've got you coveredā€”because your home journey matters to us. Comment 'start' below, and let's make those homeownership dreams a reality!
https://myoc.io/jvmlending

05/29/2026

Dreaming about expanding your living space without touching your existing low-rate mortgage? Good news! šŸŒŸ Our new loan option allows you to keep that rate while borrowing up to 125% of your home's current value for building an ADU or a major remodel. Enhance your home's worth without refinancing!

Does this sound like a fit for you? Type "start" in the comments and let's chat about how we can upgrade your home together. I'm here to help and can't wait to connect with you!
https://myoc.io/jvmlending

05/28/2026

Are you sitting on the sidelines waiting for home prices to drop? Many do, and miss their window of opportunity. Remember, real estate values thrive on location, supply, and demand. šŸ“ˆ

Curious which markets are poised for growth? Contact us now to discuss your homebuying strategy and trust we're here to ensure you're ready to make the right move.

Comment "Start" below or call us today at 855-855-4491 and let's get the ball rolling.
https://myoc.io/jvmlending

05/19/2026

Feeling overwhelmed by high interest rates? You're not aloneā€”but there's hope! With markets adjusting, consider a temporary rate buydown to bridge the gap. Our lender-paid 2-1 buydown could lower your rates and give you peace of mind while waiting out the market's ups and downs. šŸ  Even better, any unused credit rolls into your principal when it's time to refinance.

Want to learn more about stepping ahead of market waves and making the most of your mortgage? Comment "start" below, let's chat about how we can help you save.
https://myoc.io/jvmlending

05/18/2026

LOCK IN NOW!

If youā€™re in contract to buy a home or working through a refinance, lock your rate now! šŸ”’

Rates are trending up after higher-than-expected inflation numbers last week, and they will likely stay elevated for some time.

ā€¼ļø Bite the bullet and lock now to avoid future spikes ā€¼ļø

Comment ā€œStartā€ below if you need help with that, and donā€™t forget to ask about our Free Refinance and our Lender Paid 2-1 Buydowns!

05/18/2026

Attention all doctors! šŸ©ŗ Unlock your future with our exclusive loan program offering 0% down payment on home purchases up to $2 million. Keep your hard-earned savings invested or tackle those student loans!

Imagine owning your dream home without emptying your wallet. Letā€™s make it a reality. Comment "start" below to connect with my team, and weā€™ll run the numbers to find the best solution for you. Looking forward to helping you take the next big step in your financial journey. Ready to make a move?
https://myoc.io/jvmlending

05/13/2026

The NMLS test did NOT prepare me for thisā€¦

Comment ā€œstartā€ below to have my team put together a personalized rate quote for your scenario. And, keep your fingers crossed we see rates move out of this 6-7% range!

05/12/2026

What if buying a house didn't hinge on having the perfect credit score? šŸ¤” With a little assistance from CalHFA, first-time buyers can get the same interest rate whether you score a 680 or an 800. Let's explore options tailored for your situation to find the plan that works best for you.

Questions about qualifying or loan types? [I'm/We're] here to guide you through options, from FHA to conventional loans, ensuring we find a YES instead of a no. Ready to take the first step towards homeownership? Reach out and let's see if CalHFA is your ticket to a better deal!
https://myoc.io/jvmlending

05/11/2026

Donā€™t listen to the headlines; listen to the experts! This article looks at Zillow data, but doesnā€™t normalize for some of the most important variables in Real Estate like the time of the year and the size of the home.

If youā€™re considering buying or selling in Oakland, itā€™s important to work with a local lender like JVM Lending and one of our many awesome local realtors that can help give you factual advice based on what we are seeing in the market every day.

If you want to talk about your specifics, feel free to comment ā€œStartā€ down below, and my team will reach out.

Address

1212 Broadway Plaza, Suite 2100
Walnut Creek, CA
94596

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 10am - 5pm
Sunday 10am - 5pm

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