JMAC | Wholesale & Non-Delegated Correspondent Mortgages

Wholesale and non-delegated correspondent lending

Explore loan options for your borrower, get help with guideline questions, and connect with a JMAC account executive.

A few ways to start

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Browse loan programs What Ask JMAC can do Talk to an AE Call (949) 390-2688

The JMAC coastHuntington Beach, California

4.85 out of 5 3,700+ partner reviews

Why partners choose JMAC

A team that knows your file.

Partners tell us what stands out: the people on their loan stay involved, call back, and work through the hard parts with them.

4.85out of 5 from 3,700+ partner reviews on Experience.com

Get approved Read partner stories

Involved from start to finish
The people who help you structure the loan stay with it through funding, so you’re never re-explaining your file.
“Anne and her Team are 100% involved with every file and never too busy to help.”
Denise W. · Broker partner · Aug 2026
Answers you don’t chase
Call the team, ask JMAC, or reach your AE. Someone gets back to you with the answer.
“She is always reachable, always calls back, and is incredibly attentive and responsive.”
Franchesca G. · Broker partner · Sep 2026
Tough files, worked to closing
When a file gets complicated, your team gets on the phone, works out a path, and keeps your closing date in sight.
“With Jeff’s guidance, expertise, and responsiveness, we were able to seamlessly transfer the file, transfer the appraisal, and get the loan clear to close in just nine days while still meeting the original closing timeline.”
Jordyn R. · Broker partner · Jul 2026

Find options for
your borrower.

When one program doesn’t fit, we know which one to look at next.

How does your borrower qualify?

Choose one or more. The list keeps the programs that offer all of them.

Step 2: Pick a group, then programs to compare.

Check the box beside a program, then select Compare, up to four.

31 programs to explore

9 Non-QM programs · Alternative income, credit & documentation

Full doc · Bank statement · P&L only · WVOE only · Assets · ITIN

Full doc · Bank statement · P&L only

Full doc · Bank statement · P&L only · WVOE only · Assets

Full doc · Bank statement · P&L only · Assets · ITIN

Full doc · Bank statement · ITIN

Full doc · Bank statement · P&L only · WVOE only · Assets

P&L only · WVOE only · Assets

Full doc · P&L only · WVOE only · Assets · ITIN

Full doc · Bank statement

JMAC Non-QM programs by the ways a borrower can qualify
Program Check to compare	Full doc	Bank statement	P&L only	WVOE only	Assets	DSCR	ITIN	Foreign national	Streamline refinance
Compare Zuma Prime						Not listed		Not listed	Not listed
Compare Zuma Gold				Not listed	Not listed	Not listed	Not listed	Not listed	Not listed
Compare Zuma Silver						Not listed	Not listed	Not listed	Not listed
Compare Newport Non-Conforming				Not listed		Not listed		Not listed	Not listed
Compare ITIN			Not listed	Not listed	Not listed	Not listed		Not listed	Not listed
Compare Balboa						Not listed	Not listed	Not listed	Not listed
Compare Limited Docs	Not listed	Not listed				Not listed	Not listed	Not listed	Not listed
Compare Redondo		Not listed				Not listed		Not listed	Not listed
Compare Carmel			Not listed	Not listed	Not listed	Not listed	Not listed	Not listed	Not listed

Listed option · — Not listed. Guidelines determine the available combinations.

Zuma Prime

Non-QM · Zuma family

Full documentation and alternative income paths

View the program Guidelines

Score from: 620; allows 70% to $1M
LTV up to: 90%; purchase, at 700+ to $1.5M
Loans to: $4M; at 720+ and 70%

Guidelines at a glance

Documentation: Full doc & alternative pathsBank statements, 1099, P&L, WVOE and asset utilization follow different tiers.
Purchase LTV: Up to 90%Primary residence; 700+ FICO through $1.5M with full doc, bank statements or 1099. Other overlays apply.
Loan ceiling: Up to $4MPrimary purchase / rate-and-term; 720+ FICO, up to 70% / 65% LTV in the top full doc, bank statement or 1099 tier.
Credit: 620-score tierPrimary purchase / rate-and-term through $1M at 70% LTV in the full doc, bank statement or 1099 lane; no cash-out in this tier.

Ask JMAC about

Explore all loan programs

Tools for JMAC partners

Price it, research it, then send it.

With a JMAC website sign-in
Quick Pricer
Enter the scenario once. See which programs fit, the lowest rate near par and the full rate stack, then bookmark and compare options side by side.
1. 1 Price
2. 2 Bookmark
3. 3 Compare
Compare
DSCR PrimeVenice DSCRZuma PrimeDoc typeDSCRDSCRBank stmtPrepay3 yr5 yrNoneSame rateLowest
Quick PricerIllustration
PurchaseInvestmentDSCR 1.05740
4 programs fitRatePrice
DSCR PrimeLowest near par
Venice DSCR
Newport DSCR Plus
Newport DSCR
Bookmarked · 2Compare
Sign up to price
For approved JMAC partners
JMAC Intelligence
Takes about a minute to work through each part of a scenario, then shows the guideline passages it used so you can check them before you bring in your AE.
JMAC IntelligenceIllustration
What is the maximum LTV for a cash-out refinance on a Venice DSCR loan with a 700 FICO?
Researched Venice DSCR · 56 seconds
The maximum is 75% LTV. That assumes a US Citizen or permanent resident borrower, a DSCR of at least 1.00, and a loan of $1,500,000 or less.1
Loan amountCash-out maxUp to $1.5M75%$1.5M to $2M70%$2M to $3M65%Above $3MNot allowed
Is this borrower a US Citizen or permanent resident?
1Venice DSCR · DSCR matrix, US Citizen & Permanent Resident · 9.30.2026
Register for access How it works

Turn-time targets

See all turn times

Submission: Same day
Initial decision: 1 day
Condition review: 1–2 days
Closing disclosure: 1 day
Loan documents: 1 day
Funding conditions: 1 day

The people behind your loans

Run by people who still underwrite.

Whatever program your borrower needs, JMAC is run by people who know the loan from the underwriting side. Our founders started JMAC in 1997 and still work loans today.

Christina PhamFounder and President
Still underwrites loans herself, especially new products.
Mai NguyenFounder and Executive Vice President, Operations
Shapes how each department runs and stays close to underwriting.
Dana ReminderDirector of Underwriting
More than 25 years in the industry, focused on consistent decisions.

Meet the full leadership team

Your next borrower. Our next conversation.

Ready to work with JMAC?

Bring us your next loan. Get to know your lending team.

Get approved Call (949) 390-2688 Contact our team

Bring us your next loan.

A team that knows your file.

Involved from start to finish

Answers you don’t chase

Tough files, worked to closing

Find options foryour borrower.

2Step 2: Pick a group, then programs to compare.