Shows
Vermont Viewpoint - David ZuckermanVermont Viewpoint with David Zuckerman - 7 10 25 Hour 2 - Reverend Jay VoorheesVermont Viewpoint with David Zuckerman - 7 10 25 10am hour -Guest- Reverend Jay Voorhees
2025-07-2100 min
The BNA PodcastThe Long Goodbye...to JayToday we start the long and bittersweet goodbye to brother Jay!
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2024-04-081h 00The BNA PodcastI Blessed the Rains Down in AfricaBrian is back from a safari, Jay is up to speed on homeless needs during a massive freeze and now we're making time to chat about Nashville.
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2024-02-201h 07The BNA PodcastBack from Summer vacation and Franklin Dodges a bullet or Bully or bothBrian and Jay return from their late summer travels and look at the Franklin Election and Nashville's September runoff. Wicked at TPAC was great and we love to eat. This is all. Let us hear from you!
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2023-10-281h 03The BNA PodcastIs Nashville ready for the Yarbro Man?Jay continues our series of interviews with Nashville mayoral candidates by sitting down with Jeff Yarbro. A great chat that I hope enlightens the listeners. I had to miss this episode to deal with my spousal unit needing to dispose of her appendix!
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2023-05-1743 min
The BNA PodcastBike lanes, Brimley and BudgetsAfter a long and action packed month away from the mike we come back together to discuss transpotainment rules, homelessness, Southern Baptists, school budgets, the war on cities and Narcan. Oh yeah, I went to the new soccer stadium and Jay ate at Mafongo. Welcome back
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2022-05-281h 09The BNA PodcastP. Danielle Nellis is running for DA, Jay and Brian are DAdsP. Danielle Nellis joins the two old dudes to discuss her vision for a modern district attorneys office. After you hear her say smart things, hang around and we'll discuss the missing traffic cops, half a billion for football and other equally odd priorities of the city of Nashville.
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2022-04-011h 06The BNA PodcastDrinking Town with a Homeless ProblemBrian and Jay start the episode talking about Madrid and end with listing the restaurants we'll miss. In between we have a bracing discussion of redistricting, homelessness and codes along with Party vehicles and missing EV chargers. So much data so little time!! Enjoy and tell a friend.
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2021-12-031h 09The BNA PodcastDropping Newks on the MayorWe discuss eating at Newks, as Jay did with the Mayor of Nashville. We dive deep into rolling hot tubs, party wagons and finally homelessness and Oracle.
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2021-10-081h 14The BNA PodcastRace, Racing, RacistThis week on the BNA we talk about the Nashville Grand Prix, the removal of a KKK leaders bust from the capital, Covid and Italian food. What's not to like. Also, send us a question...we want some feedback.
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2021-08-251h 00
Real talk, with RealtorsJay Voorhees on building your brokerage team with virtual assistantsJay Voorhees is a broker and the Founder of JVM Lending. He's been in the mortgage arena for over 25 years and has built a super team with no loan officers, very low rates, and the best client experiences in the industry. Hear how to build your real estate team with virtual assistants (VAs), find the right VAs, establish a consistent hiring approach, train VAs in the most helpful fashion, and document your processes. Connect with Jay at JVMLending.com
2021-08-1337 minThe BNA PodcastMillions for Tourists and Brother Can You Spare a Dime?We talk about the Governor's seemingly desperate need to convince people to travel to TN while airlines are cancelling flights due to overbooking and under staffing. But at least we are throwing poor people out on the street...nice to know we have that going for us. Also, Jay goes out to see some live entertainment and I have a toothache. PS, we have figured out the audio problem, so next week we'll sound better!! Cheers
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2021-07-101h 00The BNA PodcastIndependence Day Extravaganza...or notHappy 4th of July to all our listeners and the Chief who turns 50 on Sunday. We had a nice little chat about the police shooting people, naked statures and blowing shit up!! Enjoy
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2021-07-0257 minThe BNA PodcastWorld's Best Driver Hits a HouseWe talked about how great Nashville drivers are and especially the truck driver that ran into a house. There's not going to be a referendum on property taxes cuz the bill was so poorly written and why aren't there any cool waterfront places in a city with a river every direction you look and two lakes in the city limits. Oh well, tune in and see what's up!!
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2021-06-2548 min
JVM's BlogCompeting Against “Losers” (Companies Willing & ABLE To Lose Millions Or Billions)The only advantages of using an iBuyer are quicker access to cash and less effort prior to selling (no staging, repairs or showings). But sellers invariably get less for their homes.
Some of the iBuyers are losing as much as $100,000 per transaction.
iBuyers are also taking enormous risks b/c if the market turns while they are holding inventory, they could quickly lose billions.
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2021-06-2406 minJVM's BlogWhen 5% Down Scares Away Sellers – What To Do?Recent data shows that half of all homebuyers getting a mortgage in April put down over 20%.
But what about our low-down-payment buyers do they still have a shot in today's market?
WSJ article: For Many Homebuyers, a 5% Down Payment Is Not Enough.
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2021-06-2303 minJVM's BlogWhy The Fed Probably Can Never Raise Interest RatesOur entire economy is like an 18-wheeler careening down a curvy mountain road at 80 mph with no brakes; nobody knows how the truck will slow down or what will happen.
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2021-06-2105 minJVM's BlogIn Defense Of Chaos (Why We Need It)I came home last night to a giant vat full of honey – not just a lifetime’s supply, but several lifetimes.
It turns out my wife Heejin ordered it when online shopping at Target and she was way too busy to vet honey sizes – so she just bought the first one she saw.
Things of this nature often happen in our house b/c Heejin thrives on chaos.
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2021-06-1807 minThe BNA PodcastDads Juneteenth and Hot ChickenOur inaugural Juneteenth episode. We talk about Southern Baptists being too southern and not enough Babtist, the REAL Hot Chicken and the first time Juneteenth is celebrated as a national holiday. Honorable mention goes to the Morton Exhibit at the Nashville Zoo, Miriam's Promise and The National Museum of African American Music...oh yeah, and Father's Day...
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2021-06-1857 minJVM's BlogFed Speaks – Rates Up; Paying Off Student Loans With Mortgage; Interest-Only LoansFed Chair Powell spoke yesterday and sent the bond market into a tizzy, as investors sold off their bonds and pushed rates sharply higher.
What crazy thing did Powell have the audacity to say?
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2021-06-1704 minJVM's BlogClosing Fast! What Are The Hold-ups? Different Speeds For Different Loan TypesWe always try to close as quickly as humanly possible to make our clients’ offers more compelling than other offers, particularly cash offers. We also offer a “Close On-Time Guarantee” to make offers more compelling.
But the issues we face are the hold-ups from third parties over whom we have no control
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2021-06-1607 minJVM's Blog“I’m Having My Best Year Ever; Why Don’t I Qualify?” “What Are My Options?”Today’s subject line is a lament we hear all too often from self-employed borrowers, and last week was no exception, as we received an email that said exactly that.
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To learn more about the topics discussed in their blog or get more info about JVM's mortgage services, contact our team by phone at (855) 855-4491 or email us at jvmteam@jvmlending.com
2021-06-1505 minJVM's BlogInflation Way Up & Rates Down? What Does The Bond Market Know?The last time we saw significant inflation in the 1970s, the stock market tanked and didn’t recover for a decade and interest rates remained in double digits for years.
So, when we saw this headline in the WSJ, U.S. Inflation Is Highest in 13 Years as Prices Surge 5%, we thought for sure we’d see rates jump … finally.
But, rates fell… again.
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2021-06-1106 minJVM's BlogIs The Housing Affordability Crisis A Myth?We constantly hear horror stories about the housing affordability crisis, and how it will push too many buyers out of the market and foster a correction of sorts.
So – is the recent run-up in home prices exacerbating the "affordability crisis?"
Diana Olick's recent article
The Philadelphia Inquirer's article
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2021-06-1005 minJVM's BlogYour Home Just Appreciated 25% – Now What?Homeowners everywhere should seriously consider refinancing for all of the reasons set out above, as rates still remain almost 0.25% LOWER than where they were last year this time.
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2021-06-0903 minJVM's BlogAppraisal Reviews = Collateral Reviews = CDAs = DELAYS (Mostly For Jumbo)The appraisal review requirement is one of the reasons why jumbo loans take at least a week longer to close than conforming (Fannie/Freddie) loans.
These appraisal reviews take anywhere from two to five days and can only be performed of course after the appraisal report is complete.
This is why we often get appraisal reports in “at value” for jumbo loans but we cannot release the appraisal contingency for several more days – while we wait for the review to come back.
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2021-06-0705 minThe BNA PodcastGrave Robbers and Road RageNashville has a drinking problem, a driving problem and a road rage problem. Our solution is to sell them all guns and see who lives to tell the tale.
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2021-06-041h 05JVM's BlogThe One Thing That Can CRASH The Housing Market!What is the one thing that could crash housing?
A surge in interest rates could tank the housing market, b/c it would create major affordability issues and/or simply scare buyers out of the market.
Fortunately, many pundits like Barry Habib don't think that is in the cards for us - here is why.
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2021-06-0405 minJVM's BlogDo Some Loans And Lenders Require More Work From Borrowers?We spend about $750,000 per year on various technology applications with the primary goal of making the mortgage process as simple and as efficient as possible for our clients.
So, is JVM more work for borrowers?
In a word – no.
Not even close in fact, as we underwrite to the same guidelines that everyone else does. In addition, our massive tech integrations truly do make life far easier for borrowers.
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2021-06-0306 minJVM's Blog5 Problems With Housing Grants And Down Payment Assistance ProgramsGrants and down payment assistance programs are offered by government entities with the goal to either loan or simply grant cash-starved buyers sufficient funds to cover the down payment, the closing costs, or both.
But – the problem we see time and again is that sellers very often won’t accept offers involving either grants or down payment assistance.
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2021-06-0205 minJVM's BlogAppraisal Problems – 5 Options When Appraisals Come In LowOur Zillow rep told us yesterday that searches for new homes are down 25% from recent months, as buyers appear to be “fatigued” and are putting their searches on hold.
Despite that fact, the market remains extraordinarily hot and we continue to see appraisals come in under contract price all too often.
This should not be surprising, as buyers continue to bid over the list price and the list prices themselves are often now higher than any of the nearby closed comparable sale prices.
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2021-05-2805 minJVM's BlogJob Placement Disasters; Why I Love DISC (Personality) TestsIn 1985, Jay applied for a job at Copper Mountain Ski Resort in Colorado because he wanted to be a ski bum – and to ski for free, you had to have a job on the mountain. Little did he know that ski bums still have to take personality and aptitude tests.
To really understand DISC tests, it is best to simply read through an entire report so we've linked to Jay's DISC Test here.
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2021-05-2707 minJVM's BlogCostco Mortgage Horror StoryCostco is a magical place where you can fill your cart with a 5 lb box of Cheez-Its, an 84 pack of Coors Light, a big-screen TV, and a mortgage.
Our team has been listening to this excellent "Business Breakdowns" podcast (about Costco) and we definitely recommend giving it a listen.
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2021-05-2604 minJVM's BlogListing Agents Speak! (About Representing BOTH Buyers & Sellers/Dual Agency)On Friday, Jay blogged about Buyers Working Directly with Listing Agents Instead of Using a Buyers Agent, and received a surprising amount of feedback.
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2021-05-2406 minJVM's BlogBuyers Going Straight To Listing Agents – Does It Work?I saw this tweet a few days ago from Nick Huber – whose Twitter account I typically enjoy.
"How to buy a house in a hot market:
Fire your buyers agent (or don't get one). You're at a disadvantage with a multi-offer scenario.
Work directly with the seller agent.
Make offer with 2% credit to seller and 1% more commission to the seller agent."
When I read the tweet, I thought… “good gravy; what universe does he live in?”
So, does going straight to listing agents work in soft markets?
In my...
2021-05-2105 minJVM's BlogDuplex vs. House + In-Law Unit (ADU)?We get questions all the time asking whether properties are duplexes or single-family residences with in-law units. Unfortunately – there are no hard and fast rules. In today's episode, we outline the criteria that underwriters and appraisers evaluate.
We encourage listeners to read this blog too: Valuing An In-Law Unit.
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2021-05-2006 minJVM's BlogCash-Out Vs. Rate & Term Refis – What’s The Big Deal?We frequently save borrowers thousands of dollars every month with cash-out loans. Because interest rates remain surprisingly low in the face of recent inflation concerns, borrowers with any type of cash-out needs would be wise to consider their options now.
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2021-05-1905 minThe BNA PodcastBrother Can You Spare A DimeNashville has some debt, no masks, maybe NASCAR and definitely has a Republican Election Commission. Listen To "Drinking Town (with a Music Problem)" at the end of the episode!! And it's Brian's 60th Birthday....so there's that!
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2021-05-1854 minJVM's BlogHomebuying Hell In 2021! A Real Homebuyer’s Story (It’s Motivational, I Promise)This is a guest blog by our long-time Marketing Director, Lindsey Hansen.
She wanted to share what she went through to buy a home so frustrated buyers everywhere will know they are not alone.
And, more importantly, so buyers know that they should hang in there.
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2021-05-1705 minJVM's Blog4 Must-Know Facts About INFLATION, Housing, And MortgagesWith inflation here and only expected to get worse, many potential buyers are getting nervous and wondering what to do.
As a result, we thought we'd address a few major considerations today.
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2021-05-1406 minJVM's BlogBuying As Primary Residence & Converting To Investment Property – ConsiderationsMany homebuyers take advantage of owner-occupied financing, even if they plan on renting out the properties, later on, because the rates and down payment requirements are so much lower.
These buyers do need to be careful and we've outlined some of these considerations.
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2021-05-1306 minJVM's BlogInflation Is Here! Why Didn’t Rates Climb More?Inflation numbers came in sharply higher today and rates increased – but only a little. Here is a brief summary of the numbers from the Bureau of Labor Statistics.
We've talked about inflation repeatedly in recent months b/c it influences interest rates and the housing market so much.
Here are two examples: (1) Cage Match of the Century: Inflation vs. Deflation; and (2) 4% Rates By June
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2021-05-1204 minJVM's BlogWhen To Drop Your Husband; W2 To 1099; Title Only; Other Key RemindersWe're sharing some important qualification reminders for borrowers who have spouses with low credit scores and/or lots of debt, borrowers who recently became self-employed, and those looking for a "Title Only" mortgage solution.
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2021-05-1004 minJVM's BlogAmerica Always Bounces Back; Sage Investment Advice! Good For Psyche TooAmerica always seems to overcome enormous crises no matter how serious they might seem at first.
Here are just a few examples of crises that truly seemed insurmountable and how America managed to come out on top over and over again.
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2021-05-0706 minJVM's BlogDivorces Continue To Surge! How They Impact Mortgages And Real EstateCOVID has changed everything – including marriage, as many couples realized they didn’t like each other when they had to actually spend time together. 😊 This is a great segue into important considerations in regard to divorces that divorcing couples, lenders, and real estate agents should keep in mind.
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To learn more about the topics discussed in this blog or get more info about JVM's mortgage services, contact our team by phone at (855) 855-4491 or email us at jvmteam@jvmlending.com
2021-05-0604 minJVM's Blog#1 Reason We're NOT In A Housing Bubble - And It Is NOT What You ThinkCrypto expert and former Goldman Sachs exec. Raoul Pal believes crypto and blockchain technology will transform the world and usher in a golden age that will increase global GDP by severalfold, and most importantly, allow everyone (not just the rich) to get richer.
We recommend watching this excellent Real Vision video by investment/finance guru Mr. Pal, called The Exponential Age.
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2021-05-0505 minJVM's BlogThere’s A HUGE GLUT OF WOOD, So Why’s Lumber So Expensive?Today's episode is breaking down the "Strange Economics of the Lumber Market." There is a huge glut of raw wood or logs, and the prices for such logs remain at record LOWS! This is a significantly positive sign for real estate and mortgages, as interest rates are now expected to drop in the coming months ahead.
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2021-05-0306 minThe BNA PodcastThe Edifice ComplexThis week we're talking about Nashville's budget, wacky directions and headlines. As always we end with a rousing chorus of our current favorite Nashville anthem "A Drinking Town with a Music Problem"!!
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2021-05-0156 minJVM's BlogCan Borrowers “Roll Closing Costs Into The Loan?” 1,000 Five-Star Reviews!We're not here to toot our own horn... who are we kidding, yes we are. We just got our 1,000th five-star review and we're over the moon excited about it. We also stop bragging for just a moment to talk about rolling closing costs into a loan.
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2021-04-3005 minJVM's Blog13 Factors That Impact Your Mortgage RateInterest rates are pretty cut and dry, right? You hear interest rates are at 3.25% so you think you'll get a 3.25% interest rate, right?
Wrong! There are at least 13 reasons why your personal interest rate could be higher or lower.
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2021-04-2906 minJVM's BlogWhy Loan Officers Don’t Use Their Own Company For Financing; No Loan Officer ModelsWe must be doing something right as a mortgage lender when other mortgage lender employees are still coming to us for their personal home loans.
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2021-04-2806 minJVM's Blog$120 For A Piece of Fruit? Capital Gains Changes Could Spark MORE Selling; Why You Can’t Catch An UberWe've got a lot of topics to hit today!
First, we're sharing this very short TikTok video that went viral last week.
Then we're diving back into the pool of capital gains to discuss some of the points you all sent in! Jay received many emails in response to his blog on Friday, many of them pointing out that the potential changes in capital gains tax rates may actually spur more selling in the short run – which would increase inventory.
And finally, we're answering a $140 dollar question: Where have all the Uber drivers go...
2021-04-2604 minJVM's BlogHigher Capital Gains Taxes? 2 HUGE Effects On Real Estate & MortgagesThis is why an investor with 70+ investment properties in California refuses to sell despite it being the hottest housing market we've ever seen.
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2021-04-2306 minThe BNA PodcastBlue Dot Special (in a sea of red)Oracle is coming to town, our property tax rate is going down but our payment is going up and our state is full of weirdos hiding in bunkers with two cans of Hormel chili and an AK-47...cuz evidently somebody is out to get em....
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2021-04-2353 minJVM's BlogOwing Income Taxes & Qualifying for MortgagesIt's not uncommon to owe income taxes to the IRS, but how does it impact your ability to obtain mortgage financing? Well... it depends on the financing.
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2021-04-2203 minJVM's BlogPlease Don't File Your Taxes - If...We're not saying to not file your taxes, but we are saying that waiting to do so might not be a bad idea.
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2021-04-2103 minJVM's Blog“Reserves” – Why & When They Are SO IMPORTANT!We had two nearly identical borrowers get rate quotes that were 1/2% different on the same day last week.
The two borrowers were nearly identical for all factors, including loan amount (around $800,000); credit score (800s); down payment (25%); property use (owner-occupied); property type (SFR); and type of loan (30-Year Fixed).
There was one huge difference though: reserves.
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2021-04-1906 minJVM's BlogNordstrom, Walmart, Or Both?; Millennials Demand BothThere is an axiom in business that you have to choose either a high cost, high service niche with higher margins (like Nordstrom) or a low cost, no frills, lower margin niche (like Walmart), but you cannot be both.
So what should businesses, especially those in the real estate and mortgage industries do?
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2021-04-1604 minJVM's BlogOffer Rent-Backs To Get Offers Accepted; ARMS Are Back!Sellers can rent back a property they just sold (and remain in the home) for up to 60 days after close of escrow.
We often tell Realtors and buyers, however, to limit the rent-backs to 59 days to ensure that the new buyers are able to move into the property by day 60.
Adjustable Rate Mortgages are back with a vengeance!
These loans are a great option for borrowers with a shorter time-horizon or for borrowers who are feeling too much pain for missing out on 2020’s record low rates.
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2021-04-1504 minJVM's BlogWhy Are Jumbo Interest Rates So Much Lower Than Conforming?JVM's jumbo rates are now sometimes as much as 1/2% lower than conforming (Fannie/Freddie) rates.
In today’s blog, we've explained some of the reasons why.
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2021-04-1404 minJVM's BlogJumbo Lending Explained – How We Target Jumbo “Investors” For Every BorrowerWe had an appraisal come in low last week, and the agents seemed to believe that our choice of “jumbo investor” (PenFed) had something to do with the low appraisal when that was not the case.
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2021-04-1206 minJVM's Blog6 Things I Learned From Boomers; Credit Inquiries; HOA Dues; In-Laws and Total Square FeetJay gives Boomers a bad name in this blog... and Bon Jovi is wanted dead or alive (seriously, Jay is so over them as a band).
We're also sharing some important reminders about credit inquiries and HOA dues so you can stop living on a prayer during the mortgage process.
Are these Bon Jovi puns piercing you straight through the heart? Happy Friday y'all - we're finally more than halfway there to the weekend.
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2021-04-0905 minThe BNA PodcastA Drinking Town with a Music ProblemCheck out our latest BNA podcast where we take on the Governor the council and the myth of Nashville.
As soon as I get a link I'll add it for the song at the end Drinking Problem by Hurricane Mills.
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2021-04-0955 minJVM's BlogBuying A Home For Your Child – Options?What is the best way to buy a home for your child?
Here's five options for parents who want to help their kids become homeowners!
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2021-04-0803 minJVM's BlogThe Other Reason Housing Inventory Is So Low (Not What You Think)Have questions why there seems to be less and less housing inventory lately? There's a reason why, and it's not what you think.
This article from The Atlantic explains hedge funds buying up housing inventory.
This recent WSJ article explains how a hedge fund purchased an entire subdivision.
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2021-04-0704 minJVM's BlogAppraisal Woes Not Your Lender’s Fault; Blame Andrew CuomoOne of the most frustrating and expensive aspects of our business is dealing with low appraisals.
In 2009, Andrew Cuomo pushed through the Home Valuation Code of Conduct (HVCC) while he was the Attorney General of New York.
Cuomo pushed the new rules ostensibly to avoid the issues we saw prior to 2008, and Fannie and Freddie endorsed them – forcing all lenders to comply. The rules effectively forced lenders to order appraisals from a pool of appraisers – who were supposed to be part of a larger appraisal management company.
And, most importantly, HVCC prohibited loan offi...
2021-04-0506 minJVM's BlogAppraisers Can’t Push Values; Must Avoid Reviews/CutsWe had an appraisal come in slightly under contract price this week (unusual in this market, to say the least).
Our property fronted to a court or cul de sac, but its side was adjacent to a very busy thoroughfare.
Hence there was substantial traffic noise which is a perfect example of an “adverse external influence” that must be taken into account by the appraiser.
By coming in slightly low (like our appraiser above did), appraisers are often preventing much more significant value cuts that might come as a result of an appraisal revi...
2021-04-0204 minJVM's BlogCage Match Of The Century: Inflation vs. Deflation; Diversify!Either inflation or deflation is headed our way and Jay only has one piece of advice - diversify.
Links:
Investopedia article
Wall Street Journal Opinion Piece
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2021-04-0106 minJVM's BlogRefi Boom Over? Record Appreciation; Affordability Crisis? Not HereAs mortgage rates continue to rise, many are asking, are refis gone for? Is there an affordability crisis? Jay answers both these questions and more in today's blog.
Links:
Housing Appreciation in The Wall Street Journal
Ben Carlson's excellent blog
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2021-03-3104 minJVM's BlogWhy A Giant Stuck Ship (Suez Canal) Impacts Mortgages & Real EstateFor anyone not following the news, one of the world’s largest container ships got stuck in the Suez Canal last week, and the implications are both staggering and fascinating for the world, mortgage rates, and the real estate industry.
According to the BBC, 12% of world trade travels through the Suez canal. This works out to about $400 million of goods every hour; about 3.3 million tons of goods every hour; and about $10 billion worth of goods every day.
What happens when supply chains break and how do we prepare for the inevitable inflation spike?
Wa...
2021-03-2905 minJVM's BlogWhy Refi Into A Higher Rate? Debt Consolidation!Unfortunately, there is no rule of thumb for deciding on whether or not to obtain a debt consolidation loan.
It really comes down to net monthly savings and how fast a borrower can pay off her consumer debt without a debt consolidation loan.
If a borrower has a very low fixed-rate and can pay off her consumer debt in less than a year or two, she probably should keep her low-rate loan – and we will be the first to tell her as much.
BUT – if borrowers are unable to pay off their debt quic...
2021-03-2605 minJVM's Blog10 Myths About Mortgage RatesWe thought it was time to re-share our popular blog discussing common myths about mortgage rates with the addition of three more extremely important myths, as many borrowers seem to believe we have far more control over the rates we quote than we actually do.
Global Policy Journal
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2021-03-2507 minJVM's BlogTax Implications From Refinancing; Cash Out ≠ IncomeOftentimes borrowers are far too worried about tax implications from refinancing. We say this because these implications are usually negligible.
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2021-03-2405 minJVM's BlogAgents Outnumber Homes for Sale; ObservationsIn January, there were more agents than homes for sale in the U.S. (WSJ)
Here is my main takeaway and the part that I love: no matter how crowded a field is and how bad someone’s timing might be, there is always room for success for innovative and hardworking people.
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2021-03-2205 min
The Crimson CultEpisode #24 - CJ Graham (Jason Voorhees/Friday The 13th VI: Jason Lives)CJ Graham talks to Jay about his role as horror icon Jason Voorhees in the sixth installment of the Friday The 13th film series.--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/appSupport this podcast: https://anchor.fm/thecrimsoncult/support
2021-03-2129 minJVM's BlogRates Climb Again; Panic Time? Paying Points? Affect On Buying PowerInterest rates climbed again yesterday, primarily in response to inflation fears – so we are now officially back to pre-pandemic interest rate levels.
But, it's not time to panic - the purchase market should remain strong in the face of continued strong demand by millennials, a rebounding economy and what will still be historically low rates.
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2021-03-1905 minJVM's BlogWhen The Ultra-Wealthy Don’t Qualify For MortgagesEven the ultra-wealthy don't qualify for mortgages (and yes, even the ultra-wealthy sometimes need mortgages).
We have worked with borrowers who have hundreds of thousands of dollars of cash flow every month, but they still could not qualify for a mortgage.
The mortgage qualification process is so incredibly strict, just being able to write a check for the dollar amount isn't enough to tick all the boxes.
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2021-03-1805 minJVM's Blog8 Tips For Getting Offers AcceptedToday, on the National Real Estate Post, Carl White shared his ten tips for getting offers accepted We discuss eight of those ten tips in today's blog.
Check out Carl White's website here.
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2021-03-1704 minJVM's BlogInflation Makes Mortgages an Asset; DON'T Prepay Your MortgageA fixed mortgage payment in a world of rising inflation, rising incomes, rising rents, and a falling dollar could be the best asset we have.
Here are Ramsey's 7 Steps for taking control of our finances.
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2021-03-1505 minJVM's BlogOwner Occupancy Requirements In A Post-COVID World; Second Home Rates Higher NowToday we discuss why “Owner-Occupied” is a big deal in the mortgage world.
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2021-03-1205 minJVM's Blog5 Major COVID Effects After One Year; Way Hotter Housing Market - WHY?It was one year ago today that World Health Organization declared that the “Coronavirus” (old fashioned name for COVID) was a “pandemic.”
We've outlined some of the major effects on the Real Estate and Mortgage Industries.
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2021-03-1107 minJVM's Blog4% Rates By June? Bad News & Good News; No Meltdown HereRates will very likely continue to rise over the next few months because of inflation concerns, but they could also fall again. As we all know, there is no guarantee when it comes to the market and rates.
So, as always, we recommend refinancing and/or buying sooner rather than later.
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2021-03-1004 minJVM's BlogCovering Appraisal ShortfallsWhenever the market heats up like this, particularly in the springtime, appraisals invariably come in low.
So, where does a buyer get extra cash to cover the shortfall?
Today we're sharing some options for buyers who need extra cash and breaking down common financing scenarios with appraisal shortfalls.
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2021-03-0804 minJVM's BlogDomino’s $8 Pizzas & Reduced Commissions; The Future of Real Estate & MortgagesDomino’s success is fascinating b/c it is thriving in one of the most competitive and low-margin industries (fast food) and they achieved their success with relentless and very aggressive innovations. This pizza giant has a model that every business - especially those of us in the real estate and mortgage industry - can stand to learn from.
Domino’s was discussed at length in this recent Invest Like The Best Podcast.
Jay also references this Inman column about when agents should offer reduced commissions.
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2021-02-0505 minThe Crimson CultEpisode #11 - Ari Lehman/Jason Voorhees (Friday The 13th)Ari Lehman played the original deformed child Jason Voorhees in the first Friday The 13th (1980)--- This episode is sponsored by · Anchor: The easiest way to make a podcast. https://anchor.fm/appSupport this podcast: https://anchor.fm/thecrimsoncult/support
2021-01-2753 minThe BNA Podcast2020 Out with a BangOur last podcast of 2020, of the Trump administration and the holidays.
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2021-01-2035 minJVM's BlogWhy Rates Went Up After Democrats Took Senate; Affect On Mortgages & HousingAs soon as it became apparent that the two Democratic Senatorial candidates would win in Georgia, rates started to edge higher. Mortgage rates tend to correlate to the 10 Year Treasury Bond – although this year that correlation has not been nearly as tight as in years past.
But this week, 10 Year yields surged to over 1% for the first time in a year after news of the Democrats' pending victory surfaced.
As a reminder this blog is never intended to be political in any way, and today’s blog is no exception.
There is so m...
2021-01-0706 minJVM's BlogValuing An In-Law Unit Or An ADU (Accessory Dwelling Unit)In-law unit, granny flat or outside cottage (or whatever you want to call it) - these are all common terms for Accessory Dwelling Units - or "ADUs."
ADUs have been a rising trend since the start of the pandemic and are so popular now that many builders are including them within the footprints of primary residences. These units aren't just a boon for large families - they could also be the answer to the affordable housing shortage.
In today's episode, Jay dives into ADU's and breaks down their impact on real estate and...
2021-01-0606 minJVM's BlogMobsters, Blind Men, Elephants, Narcos: Mexico, and The Big PictureOne of Jay's first jobs was mowing lawns for a mobster in Arizona, and maybe that's why one of Jay's favorite show's now is the Netflix series, Narcos: Mexico. But what does this have to do with mortgages and business? In a recent episode of Narcos: Mexico, Jay heard an interesting take on the classic parable of the three blind men and an elephant. It illustrates how important perspective is for your own understanding, and for your business.
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2020-12-3005 minJVM's BlogNostalgia Ain't What It's Cracked Up To Be; Future Looks GoodRemember how some things just seemed better when you were a kid? Chances are, things probably weren't actually that much better, and we have nostalgia to thank for that. But that doesn't mean Jay doesn't still long for long hair, bell-bottoms, and Sting-Ray bicycles.
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2020-12-2804 minJVM's BlogPoints & Origination Fees - And Why We Discourage ThemWe received quite a few questions about our blog from Friday where we talk about $9,000 of "points" that were hidden in a borrower's loan by another lender. To help clarify we're resharing some great advice Jay wrote back in June, about why we don't recommend paying points or buying down an interest rate.
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2020-12-2105 minThe BNA PodcastMerging and Grandma's HamNashville has America's worst drivers...and they don't know it
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2020-11-2244 minThe BNA PodcastTrump's Final Air AssaultBrian and Jay's 5th Episode
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2020-11-0935 minThe BNA PodcastI Don't Believe In BellevueBrian and Jay's 4th Episode
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2020-11-0932 minThe BNA PodcastSin Boldly So Grace May AboundBrian and Jay's adventure
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2020-11-0955 minJVM's BlogJVM’s Relationship With Its Mortgage BankJay frequently gets asked why JVM Lending doesn't go out on its own. One of the reasons we align with mortgage banks is simply economies of scale which Jay discusses more in today's blog.
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2020-10-2005 minJVM's Blog“I’m 8 Years Into My Loan & My Rate is 3.625%, Should I Refi?”Do we always recommend refinancing your mortgage to lower your interest rate? Nope.
It all comes down to your individual, long-term goals and some simple math. In today's blog, our founder Jay Voorhees walks us through when we do, and when we don't recommend a refinance.
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2020-10-1503 minJVM's BlogWhere Are Americans Moving And Why?Recently we have seen a surge of people moving to unexpected markets, but why are they moving and where are they moving to? Our founder Jay Voorhees takes a closer look to understand these shifts.
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2020-10-1305 minThe BNA PodcastForty Jealous WhoresJay Voorhees and Brian Rawlings discuss the dysfunction of the Nashville Metro Council and a couple of other funny things that we don't understand.
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2020-09-1340 min
The BNA PodcastYou Gotta Start SomewhereBrian Rawlings and Jay Voorhees discuss all things Nashville Tennessee.
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2020-09-0334 min