JVM Lending

10/08/2026

Our founder Jay Voorhees was quoted in the San Francisco Chronicle on how rates above 7% are affecting the Bay Area housing market.

His take: “It’s a tale of two markets.” High-end and AI-wealth areas like SF are holding strong, while buyers who need a loan are being more cautious. The article also covers why temporary rate buydowns are making a comeback, and how the rate differs when the lender covers the cost instead of the seller.

If you’re wondering what today’s rates mean for your monthly payment, our team is happy to walk you through your options.

Mortgage rates have surged above the attention-grabbing 7% threshold. Will it cool off San Francisco’s red-hot housing market?

09/30/2026

California just updated its starter-home law to make it easier to build small for-sale homes, townhomes, and condos on infill lots. Starting January 2027:

✔️ Height limits count feet, not floors, so three-story townhomes can fit where two-story rules used to block them�
✔️ Cities lose certain setback rules that shrank unit counts�
✔️ Smaller minimum lot sizes in multifamily zones�
✔️ Old deed restrictions can’t block these projects (outside HOAs)�
✔️ The state now reviews city rules for compliance

It won’t lower construction costs or flood the market overnight, but it could mean more entry-level homes in neighborhoods across the CA over the next few years.

What do you think of these changes? Share your thoughts below 👇

09/29/2026

Mortgage bond prices fell out of the window, pushing mortgage rates up to their highest levels in years.

WHY?

- Iran conflict continues
- The Fed will likely raise rates again
- The economy remains hot, signaling persistent inflation (the biggie)

WHAT DOES THIS MEAN FOR YOU?

Mortgage rates are higher and will likely hold around this level, but payments don’t have to.

Buyers have just been handed one of the best bargaining chips with sellers: reduced buyer demand because of people scared by the headlines, on top of the seasonal winter slowdown.

This is the time you can get far more aggressive with sellers and ask them to reduce their price and/or give you money to reduce your payments.

Couple that with JVM’s unique buy-downs or interest-only loans, and you have yourself a winning strategy.

09/26/2026

Some of the best mortgage programs available today are tied to a home’s census tract.

But, navigating the U.S. Census website to try and understand which locations are eligible is a massive headache.

So we went ahead and did the hard work for you. We are launching a website that compiles live MLS data with the US government census data to list out the homes that are eligible and what incentives are available.

Comment “link“ below, and we will send you the website so you can explore. Send me a message if you’re interested in qualifying for one of these programs and taking advantage of some of the best financing options out there today.

09/25/2026

There’s a new bill sitting on the governor’s desk that could have a pretty big impact on California’s condo market, and there are some interesting arguments on both sides that I wanted to break down.

AB 2050 would require certain HOAs to put 15% of their budget toward reserves, which could mean higher HOA dues for some homeowners.

But there’s another side that might be overlooked: HOA reserves can also affect a buyer’s ability to get conventional financing.

If you’re buying or selling a condo, this could have some important implications for you.

I break it all down in the video. Do you think this bill will hurt the condo market or help it? Drop a comment and let me know.

09/15/2026

Attention real estate investors, a major game changer just landed for your next property purchase. DSCR loans already let you qualify based on rental income rather than personal finances. Now, a rare program update allows you to use gift funds toward your investment down payment. This added flexibility can help lower your upfront capital requirements and improve your cash flow. It makes scaling your portfolio much easier, whether you are buying your first rental or your tenth. Ready to see how gift funds could unlock your next deal? Comment START below or send me a direct message to explore your options today. 🏠
https://myoc.io/jvmlending

09/12/2026

Putting 20 percent down on a home might actually be costing you money.

Many home buyers save a huge nest egg, but they also carry high-interest credit cards or auto loans. Putting slightly less down frees up extra cash to eliminate those expensive debts first.

This simple adjustment can significantly lower your total monthly expenses compared to dumping all your cash into the mortgage. A great lender should always look at your entire financial picture to maximize your savings.

Want to see what custom options make the most sense for your scenario? Send me a message today to review your goals. 💡
https://myoc.io/jvmlending

09/05/2026

Big changes are happening in the way your credit score is calculated for a home loan. For years, traditional credit reports have grown increasingly expensive and strict.

Fortunately, new options like Vantage scores are now being accepted by major mortgage buyers. This fresh approach can lower report costs and may even give you a higher credit score.

If you struggled to qualify in the past, this could open brand new doors for your homeownership goals.

Drop the word START in the comments below or send me a message today to explore your options. 🏡
https://myoc.io/jvmlending