JVM's team-based approach meant that responsiveness was lightning quick, and all my questions were answered super clearly. I had a very smooth experience here, as opposed to some other online-only lenders I quoted with. Top notch. read more

I had a wonderful experience with JVM. I actually talked with another lender in the early stages, which was a helpful comparison. It was like night and day. JVM was amazing. From the very beginning, they were willing to bend over backwards to support me through the process - willing to answer all my questions and give me their time - which is a big need for a first time home buyer. I worked with a number of staff through the process and they were all incredibly friendly, responsive and supportive - there is no weak link in the chain! Thank you for a great experience! read more

Desiree Heisinger, Casey Sclar, and Wesley Denison at JVM Lending were a pleasure to work with. We had placed 3 applications when we were looking to refi and the strong team at JVM made the difference. Desiree, Casey, and Wesley respond promptly and answered all of our questions. They go above and beyond to make the process as easy and seamless as possible. They are knowledgeable, pay attention to details, and genuine. I highly recommend Desiree, Casey and Wesley at JVM Lending. read more

Wow.. that's all I can say about JVM. I think I am still in shock. Not only did they close our home in 21 days as we agreed, but we had the opportunity to close a couple days earlier due to the JVM's ability to process and turn things around so quickly. We want to thank the entire JVM team that handled our loan from Heidi, Jenna, Beau, Casey, and especially ChingChi. You guys were always professional, quick to respond, available to guide us through this process, and made the our first home buying experience extremely pleasant and smooth. I've heard from many friends about the horror stories during closing, specifically with their loans, but our experience with JVM was far from that. They kept us in the loop every step of the way and were available to answer any questions we had. JVM's strong reputation was definitely a contributing factor to getting our offer accepted in this crazy Bay Area market and we would highly recommend them to all our family and friends. read more

Absolutely loved working with JVM. They were very helpful in answering questions and helped us feel comfortable going through the process of purchasing our first home. We got comparative rates from other lenders, but chose JVM because of the team. They were all very kind and not pushy at all. We would definitely recommend to our friends and family in a heart beat. read more

The delightful team of superstars at JVM helped us close earlier than the original 25-day timeline and got us a rate that was even better than what they originally quoted us at preapproval. Buying a house in these times is a painful and trying endeavor, but at least the lending process was pretty efficient and painless. They were diligent, responsive and courteous every step of the way. I heartily recommend this team. read more

JVM was so helpful and was so quick that we closed in 21 days. I couldn't be happier with the process.

As a first-time home buyer, I entered the real estate market with a great deal of trepidation. I was intimidated to speak to lenders and compare them. Luckily JVM Lending made it easy to select them as my lender. They were highly responsive, thoughtful, and (best of all) gave me an INCREDIBLE interest rate! There are sometimes a lot of cooks in the kitchen, resulting in emails from lots of team members you can't keep track of all the time, but I was happy to have such a great time because it made them able to close faster than anyone else I spoke to. I would highly recommend JVM Lending. read more

Great experience from start to close. The JVM Lending Team did an amazing job with my initial loan and refinance. I got the lowest rates and was informed every step of the way! I would definitely recommend this company to all of my friends and family. Thank you! read more

We shopped around and talked to a couple of lenders and ultimately went with JVM because we felt most comfortable with JVM after speaking to each lender. And the overwhelmingly positive reviews on both Yelp and Google pushed us to JVM too. We are so happy that we did! The whole process was smooth sail, which we have never experienced before when we worked with other lenders. The team at JVM were extremely responsive, competent and easy to work with. They understood how competitive the market is and worked well with aggressive timeline. Will definitely come back for other opportunities down the line (e.g., refinance, another loan, etc.). read more

JVM deserves a lot more than five stars. Super-fast responses, thoughtful emails and follow-up even long after the purchase process is over, helpful suggestions and overall support - really, once you're connected to JVM, you can breathe a sigh of relief and just relax. They got this. Madeline is amazing. She is warm, patient, kind, flexible - and manages to keep her sense of humor even under deadline pressures. You will never question your decision to work with her, or with JVM; you'll just wonder why you ever considered anyone else, and count yourself lucky to have made the right decision. read more

JVM Lending was a breeze during the home lending process. The mortgage application was a lot more simple than I've experienced in the past, due to their software system that integrates with different banks and systems. The team was also very accessible and communicated clearly throughout the process. We were able to close in an expedient timeline. I would definitely use them again for a new mortgage or refinancing in the future. read more

The team at JVM including Madeline Malinovsky and Andrei Paduraru got our mortgage done and locked in at the lowest rate on the market. This is for a tricky, old house too. We live in a single family home that has an ADU / in-law and can be confused as a duplex. Plus there are wildfires in our neighborhood and a fault line and they have so much experience that they can get it done! If we had to fund as a duplex (which would be incorrect) our mortgage would cost us $100,000 more over the course of the mortgage. If we hadn't locked with them rates went up and we'd be paying $80,000 more for that too!. They literally put that much money in our pocket by being good at their jobs! If you have a home with an ADU or in-law or an atypical design (bigger, older, more expensive) then you have to talk to them. read more

I purchased my home using JVM and they were phenomenal. They're response time was impeccable and we closed early. They also have competitive rates. I will definitely be using them for my clients! Thank you to the whole team! read more

The absolute best in the business. When we first started the process, we were working with a different lender. He made me feel small because i was a woman. If I said "no" to something, he'd insist I didn't understand and then would call to mansplain things to me. If my husband said "no," he'd take that as the final word. I didn't like that. I started going through the list of recommended lenders our realtor gave us. The first's email bounced back (thankfully) because the second was JVM. JVM has been incredible throughout the whole process. They treated me like an equal, allowed me to ask dumb questions, and gave me so much information to really help me understand the financial process. Diandra, Jenna, and Meg were rockstars. They're fast, thorough, and incredibly intelligent. They don't sugarcoat anything yet still have a type of bedside manner that helps you get through the stressful parts. Would recommend 10/10 times to anyone. THANK YOU! read more

We closed soooo fast, it's kind of hard to believe. They helped us gather the necessary documents and made it very easy. And now, we're in our home. Thanks! read more

Outstanding service! Quick, efficient and top shelf customer service. I'll use them again for sure! Chris C. read more

Awesome processing . no sales pitches or pushing to buy down the rate with points etc. Instead of one busy loan officer I was assigned a dedicated specialist for each of the phases 1. Application and rate lock 2. Document upload online 3.Closing At each step I had a point of contact person to ask questions and was getting timely updates, and answers. No visits to the JVM office were required, however I felt comfortable knowing that they have a physical location relatively close to me. I will sure recomend them to my friends, and family. read more

We were pretty blown away with the professionalism of everyone on the JVM team we worked with. They completed our loan way faster than we would have expected and I am sure that a lot of it has to do with the efficient way they communicate tasks and request your documentation through their sophisticated web portal. In the past, the big banks I've worked gathered information through emails or secured email services - so frustrating! JVM also worked extra hard to get us the best rate possible, better than we initially anticipated. Lastly, we got communication from them even throughout the weekends, keeping the momentum on our loan process moving constantly. I will definitely work with them again in the future. This is an update on my initial review. After having JVM do our purchase loan on our new residence, we decided to go back to them for our refinances. They were able to handle three re-fis as efficiently as one. I was able to work with Mary, Hannah and Jennifer this time and I couldn't have asked for a better team. Also very happy with the closing costs and interest rates. read more

My husband and I were recommended JVM lending from a local realtor and from our first phone call with Evan about getting pre-approved we were sold. We were totally newbies to the home buying process and Evan really guided us through everything and made getting pre approved so simple and fast. I really believe their use of drop box is just brilliant. But little did we know that the team at JVM got more impressive when we went into contract on our first home! They are true to their word as we really closed in 15 days! Which literally blew our realtor's mind. But what we appreciate most is really how polite everyone is! Erin handled our closing and she was so kind and answered our questions so diligently we felt like we were their only client. Just all around an amazing team! Thank you Evan, Erin, Beau and the JVM team for helping us buy our first home! read more

The hole experience was amazing, the hole team went out of their way to make my recent home purchase happen. I can't say enough good things about the way they all treated me and helped me through every step of this process. I apologize if i miss anyone because everyone was Amazing, Madeline, Mary, Jenna, Beau and Diandra. THANK YOU ALL!!! for all your help and diligence. JVM Lending Highly Recommended!!!!!!! read more

JVM is the real deal!! They were extremely responsive, super nice, and always available to answer all of our questions. Their 15 day close is amazing too. They met all the deadlines they said they would. The entire team is a pleasure to work with. Thank you all for making our home dream a reality. I highly recommend JVM for your home purchase! :) read more

Amazing. JVM Lending has every facet of mortgage lending down to a tee. They are a lean, mean, mortgage broker machine. I could not believe how smooth and efficient their internal processes are. JVM are the gold standard, and I am relieved I worked with them to purchase our 2nd property. Much thanks to Jenna, Diandra, and to Meg for their great help, knowledge, and timely responsiveness. The whole JVM Lending team are a special group and I felt at ease at each step of the way. Highly recommended for all your mortgage needs. read more

Simply put, a fantastic lending experience every time! Communication, responsiveness, knowledge and expertise 5 stars. The entire team is easy to work with. Wiling to do all of the work up front to ensure a smooth transaction with minimal surprise. Do not hesitate to reach out to the team for any of your lending questions or needs. They are always ready to provide excellent guidance. As a local realtor AND a client I ALWAYS highly recommend JVM first! (Rates are very competitive too) read more

First time home-buyer and JVM was a huge help to this process. Very pro-active and great communication.

Here to confirm what everyone else is saying- going with JVM gave us a definitive edge on other bidders (and there were 10 other offers on our house) as the seller's agent knew of JVM and their sterling reputation and steered their client towards us and away from another HIGHER offer from an less reputable lender. Speed to close is everything in this market- JVM was actually offering a quicker closing than we were ready to move in! They have a big team which means any and everyone is willing to jump on your every question. It was a big positive for us as first-time buyers. read more

I rarely leave any kind of feedback, but we had a wonderful experience with JVM team and they deserve 5 stars. I would rate them 10 stars if Yelp had the option. Everyone knew exactly where I was in the process, they are always one step ahead of me, their communication was outstanding, professional, easy online portal to upload files, JVM gets things done in a timely manner. If you are searching for a lender, look no further and go with JVM. read more

I had a fantastic experience working with JVM to get a mortgage to buy a new home. I had gotten a pre-approval with them earlier in the year, but an opportunity came up unexpectedly that was slightly outside that range. JVM worked through a number of scenarios with me at the last minute, which let me put down a competitive offer that was ultimately accepted. The closing process was smooth until another last minute issue that was entirely my fault and had me in a bit of a panic. Again, JVM was able to help me work through this and got me across the finish line. Everyone I worked with at JVM was friendly, patient, and responsive to all of my questions. I really appreciate the work they did and would recommend them to anyone. Thank you to the JVM team, especially Ben, Leslie, and Larisa! read more

This will be the second time in a year that my family has used JVM Lending, even during COVID they worked their tails off to fund my fathers loan in under 30days! There isn't enough words to describe just how exceptional this entire team is! From start to finish they keep you informed and are quick to respond to any questions you might have during the process. I'll continue to recommend them to anyone that's looking for a smooth home buying experience. You won't find a better lender! read more

Excellent experience with JVM. Took advantage of the quick closing which was essential in being the winning offer. Will recommend and use again!! read more

We had to do a super quick loan approval and the JVM team was there for us every step of the way. We can easily say we will use them in the future! read more

As I sit in my new home this morning for the first time in Clayton CA, I'm reflecting on how fortunate and blessed my life has been. This home and neighborhood is everything my wife and I have wanted and we couldn't be happier! The Bay Area real estate market is chaotic and the JVM team was AMAZING throughout the loan approval and closing process. The team is dynamic. If your main contact isn't available, another team member will seamlessly take care of you. I actually found JVM lending through Yelp based on very positive reviews and they absolutely delivered. So a very bigs thanks to Jenna Armstrong, Erin Piper, Diandra Prutton, Denise Truno, Heidi Ameli, Beau Mcglasson and all entire JVM Lending team!!! read more

It is night and day working with JVM over Wells Fargo. I cannot recommend JVM enough. They provide great rates and an awesome pooled model of support. There is always an expert to talk to and they closed much quicker than is normally expected. Shoutout to Meg, thank you for your help! read more

JVM helped us refinance our existing mortgage loan. The new interest rate was very low compared with rates appearing online and in newspapers. What's more, we didn't pay any closing points. The closing process was fast and well-organized. I was initially drawn to JVM because of the its extensive and educational website. It explained JVM's philosophy and business practices. The website inspired confidence in me to proceed with JVM. The numerous positive YELP reviews were also reassuring. The whole process was handled completely online and by email. The JVM staff on my case were helpful and responsive. They seem to enjoy their work. The experience was as good as it could be. We certainly saved a bunch of money! read more

The team at JVM Lending is incredibly professional and responsive. I met our agent on a Saturday; he referred us to JVM and I got a call from the owner on Sunday! They were extremely efficient, and got us pre-qualified so that we could make a clean offer with a fast close on the property we wanted. They offered a range of products, including a 30-year fixed with 10% down. And when we wanted to accelerate the close so that we could get work on the new house done before we needed to move out of the old, they really hustled to get it all done. We have owned property for 30+ years, so this was not our first purchase or financing. We have occasionally encountered the unethical (a Bank of America refinancing where the loan terms on the closing docs were not the ones agreed to - and fortunately we were in a position to walk out of the closing). Most lenders are competent, provided you are not in a hurry and are cookie-cutter. JVM is head and shoulders above the competition. They were able to source a good loan, on a tight schedule, and hit curve balls out of the park. Use them! read more

As good as it gets. I've completed 4 purchases and 2 REFI's in the past 5 years. I've dreaded this process until my most recent transaction with JVM. This team is incredible. No surprises, excellent communication, total transparency, and they delivered on everything they said they would do. Not to mention each team member was friendly, professional and seemed to really take pride in getting things done right and ahead of schedule. Purchasing a property is stressful enough without having to worry about your loan and the hundreds of details associated with it. Please - do yourself a favor - work with JVM to insure a smooth transaction while dealing with great people. read more

JVM is amazing!!! Super quick, responsive, helpful and the list goes on! They were recommended to us by our agent, Mariama, and we never looked back! We were able to close in 16 days!! Thanks to all of the amazing staff!! Evan, Jenna, Erin, Beau, Diandra, you guys rock! read more

As a first time homeowner, I wasn't really sure what to expect, but I had checked out a number of lenders/brokers and JVM was from the start, so responsive, knowledgeable, and communicative that I decided to go with them. (Their online portal also made uploading/signing documents really straightforward and easy, which was also a big plus.) I stayed in touch with them through almost a year before a bid of mine was accepted, and they were so friendly and FAST throughout the thing. Absolutely everyone that I talked to about my homebuying experience was floored that I was closing within 21 days and how smoothly it was going. The process was still emotionally overwhelming, but the JVM team was steady and friendly, let me know what was going on, what to expect a few days ahead of deadlines or needing additional documents. Work with JVM, you'll be in good hands. read more

Excellent service and highly professional management. My biggest qualm is not feeling like we truly got the best rate, though the industry makes it impossible to get a full head to head comparison since only one lender is going to take you through the full underwriting process to the final step of confirming and locking a rate. Overall the average national rate at the time we took out our loan was noticeably lower, and we are highly qualified lenders. read more

Several months ago, I contacted JVM for an investment property that I made an offer on. It was a very short timeline, and we needed to move quickly. Casey (and the entire JVM team) was always extremely responsive. Casey and team reviewed all the documentation in record time and helped deliver a pre-approval before our deadline. Though we didn't end up moving forward with JVM, I strongly appreciate Casey's attention to detail and responsiveness -- very few lenders work through weekends to ensure that you are getting what you need. Also worth nothing -- Heejin and Jay are a class act, making even an individual applicant feel like they are getting special attention. I would absolutely reach out to Casey and the JVM team again when exploring a new project. Thank you Casey and the JVM Team! read more