JMAC Lending | Wholesale & Non-QM Lender for Brokers

Wholesale and non-delegated correspondent lending

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

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

The JMAC coastHuntington Beach, California

Lending since 1997
$25B+ funded
60,000+ loans
$2.7B in Non-QM

4.85 out of 5 3,700+ partner reviews

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

$25B+funded across more than 60,000 loans

Get started 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

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Ask JMAC
Get quick answers about JMAC programs and guidelines, side-by-side comparisons and help with steps in JMAC Connect.
Ask JMACIllustration
My borrower is self-employed. Help me explore bank statement loan options.
Ask JMAC · AI · Guidance only
Several JMAC programs take bank statements, and these are the ones to look at. Which fits first depends on the statements: personal or business?
Personal statementsBusiness statements
Quick Pricer · No sign-in requiredCheck which programs fit
About Ask JMAC
Check a scenario without an account
Quick Pricer
Enter your scenario to see which programs fit and which guideline explains each near miss. Once your account is verified, view rates, bookmark options and compare them side by side.
Quick PricerIllustration
PurchaseInvestmentDSCR 1.05740
4 programs fitRatePrice
DSCR PrimeLowest near par
Venice DSCR
Newport DSCR Plus
Newport DSCR
Bookmarked · 2Compare
Check a scenario
Beta · For partners and verified users
Scenario Analyzer
A full guideline review before you submit, including reserves, documentation and overlays. It usually takes one to two minutes and shows the guideline passages it used so you can check them.
Guidance only, not an approval.
Sign in to use it How it works
Scenario AnalyzerIllustration
Cash-out refi on a Venice DSCR rental. US citizen, 700 FICO, DSCR 1.05, $1.2M loan. What’s the max LTV?
Scenario Analyzer · AI · Guidance only, not an approval
The maximum is 75% LTV. At a 700 FICO with a DSCR of at least 1.00, cash-out allows 75% on a loan of $1,500,000 or less.1
Loan amountCash-out maxUp to $1.5M75%Over $1.5M to $2M70%
1Venice DSCR · DSCR matrix, US Citizen & Permanent Resident · 10.19.2026
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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

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

Ready to work with JMAC?

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

Get started 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.

Ask it, price it, analyze it.

1Ask JMAC

2Quick Pricer

3Scenario Analyzer

Turn-time targets

Run by people who still underwrite.

Ready to work with JMAC?

Find options for
your borrower.

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

Ask JMAC

Quick Pricer

Scenario Analyzer