Ask the guidelines the way you'd ask your AE.
Ask JMAC reads JMAC's program matrices, guidelines and help center. Ask in plain words and get the answer, the program it applies to and the page it came from.
- Guideline questions
- Programs side by side
- Steps from the help center
What's the minimum score on JMAC's FHA program?
JMAC doesn't add a 620 overlay on FHA.
A 580 score reaches 96.5% LTV. Scores from 500 to 579 can go to 90%, with DTI capped at 50%. 1
Guideline questions
Check a rule before you build the file.
Ask about a program's limits, eligibility or overlays. Ask JMAC answers from the current matrix and guideline, names the program it read, and tells you plainly when the guideline doesn't cover your question.
Try asking
My investor had one 30-day mortgage late in the last 12 months. Which DSCR programs allow it?
Venice DSCR and DSCR Prime both allow one 30-day late in 12 months.
| Venice DSCR | 1x30x12 and 0x60x12 1 |
|---|---|
| DSCR Prime | 1x30x12 and 0x60x12 2 |
Both state the limit in the matrix's cell restrictions, so check the cell for your borrower's score and LTV. Newport DSCR sets its own housing-history rule; open its guideline before you choose.
Comparisons
See programs side by side.
Ask how programs differ and Ask JMAC opens a side-by-side panel next to the chat, built from each program's matrix: lowest score, top LTV and largest loan. Swap programs in and out while you keep asking.
Try asking
What are the key differences between Zuma Prime, Gold and Silver?
Zuma Prime goes to the largest loan. Zuma Silver needs the highest score for its top LTV. I opened all three side by side.
| Zuma Prime | Zuma Gold | Zuma Silver | |
|---|---|---|---|
| Lowest score | 620 | 620 | 660 |
| Top LTV | 90% | 85% | 90% |
| Top LTV from | 700 score, to $1.5M | 680 score, to $1.5M | 740 score, to $1M |
| Largest loan | $4M | $3M | $3.5M |
Each figure is that matrix's outer limit, not one combination a borrower must meet.
PricingBeta
Take a scenario to pricing.
Describe the loan the way you'd describe it to your AE, and Ask JMAC helps you take it to pricing.
- No retypingThe scenario from your conversation comes with you.
- Guidelines and pricing in one placeCheck a rule and look at pricing for the same loan without switching tools.
- Adjust and ask againChange the LTV, the score or the property and keep the conversation going.
Pricing is in beta with limited access.
Can you price a DSCR purchase in Texas, 750 FICO, $600k price, 75% LTV?
I can take this scenario to pricing for you.
Help center guides
Find the step you need in a long guide.
JMAC's help center walks through JMAC Connect from disclosures to funding. Ask about the step you're on and Ask JMAC answers from the guide, then opens the section so you can follow along. Sign in for the full steps.
Try asking
What do I need before I request the CD?
You request the initial CD from the loan in JMAC Connect. It opens once:
- The loan is approved
- The loan is locked
- The appraisal has been ordered
Watch for pending Change of Circumstance requests. They must be completed before you can request the CD.
Where the answers come from.
Ask JMAC works from JMAC's own published material, the same pages you can open yourself. When the guideline doesn't settle a question, you can submit your scenario directly.
- Program matrices and guidelinesAgency to Non-QM.Agency, government, Non-QM, DSCR, jumbo and second-lien programs. Answers name the program they read and link its guideline.
- JMAC help centerStep by step.Guides for JMAC Connect: disclosures, appraisals, locks, submission, conditions and funding.
- Pricing helpIn beta.Limited access. Ask JMAC helps you take the scenario you described to pricing.
More of what brokers bring to Ask JMAC.
Real questions from the chat, lightly edited. Tap one to put it in Ask JMAC. Short ones work too: "5-8 unit DSCR" or "lock extension" is enough to start.
Eligibility
Limits
Finding a fit
Getting it done
Questions about Ask JMAC.
Do I need an account?
No. Anyone can ask about programs and guidelines. Sign in for the full steps from the help center's guides. Pricing is in beta with limited access.
Is an answer from Ask JMAC an approval?
No. Ask JMAC explains what JMAC's published guidelines say. Underwriting makes the credit decision on every loan.
How do I check an answer?
Answers name the program they read and link its guideline page, so you can open the source and confirm it. For anything the guideline doesn't settle, submit your scenario directly.
Can it help with pricing?
Pricing help is in beta with limited access. Rates don't come from the chat itself.
Ask JMAC
Bring your next scenario.
Ask a guideline question now. No sign-in needed.
Conversations on this page are illustrative examples. Program figures come from JMAC's matrices as of October 23, 2026, and change as guidelines are revised. Ask JMAC explains published guidelines; it is not a loan approval or a commitment to lend.