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Credit Reports - Jumbo & Non-Agency Loans

Effective for loans submitted beginning on August 2, 2017, JMAC will now accept the broker’s credit report from the following credit vendors.  The lender will not pull new credit.

  • Credco

  • Informative Research

  • CBCInnovis

  • Kroll

  • Funding Suite

Please note the following restrictions:

  • Credit report must be within 30 days from submitted date

  • Credit report is only good for 90 days. After 90 days, the client must provide an updated credit report.

  • JMAC Lending will pull soft credit prior to CTC

  • Laguna Program: Only Credco credit report is allowed. If not provided, JMAC will pull new credit.

  • Manhattan Program: Client must provide final DO/DU to lender, with approved/ineligible for loan amount only

If you have any questions, please contact your Account Executive.