Answers from scenario to funding.
Check a guideline, compare programs, have a whole scenario analyzed or find a step in JMAC Connect. Answers show where they came from. When a loan needs a conversation, talk it through with an AE.
- Guideline questions
- Programs side by side
- Whole scenarios, signed in
- Steps from the help center
Ask JMACIllustrative exampleWhat'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
Ask JMACIllustrative exampleMy 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.
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Ask JMACWhat 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 a separate matrix limit; they aren't necessarily available together.
Scenario AnalyzerSign in
Work through a whole scenario.
Describe the loan in Ask JMAC and choose Analyze this scenario. Scenario Analyzer checks it against JMAC's guidelines and the agency guides, usually in one to two minutes, and shows the passages it used. When you want a second look, message the JMAC team from the same chat.
Sign in to use itHow Scenario Analyzer works
For JMAC partners and verified users.
Ask JMACIllustrative exampleITIN borrower buying a short-term rental. 720 FICO, $450K loan. Which DSCR program works, and what’s the max LTV?
Newport DSCR is the one to research. It’s the only JMAC DSCR program with an ITIN path, and its ITIN matrix allows short-term rentals.1
| Program | Short-term rental | ITIN borrower |
|---|---|---|
| DSCR Prime2 | Not allowed | No ITIN path |
| Venice DSCR3 | Allowed outside its DSCR Plus and 5–8 unit tiers | Not allowed |
| Newport DSCR Plus4 | Needs a 1.15 DSCR, with its own LTV limits | No ITIN path |
| Newport DSCR1 | 75% purchase, 70% cash-out | Dedicated ITIN matrix |
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
Ask JMACIllustrative exampleWhat 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 published material, the same pages you can open yourself. When the guideline doesn't settle a question, or you want to talk a loan through, send your scenario to an AE.
- 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.
- Agency guidesFannie Mae, Freddie Mac, FHA and VA.Scenario Analyzer also works from the agency guides and cites the section it relies on.
- JMAC help centerStep by step.Guides for JMAC Connect: disclosures, appraisals, locks, submission, conditions and funding.
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 higher limits, Scenario Analyzer and the full steps from the help center's guides.
Is an answer from Ask JMAC an approval?
No. Ask JMAC and Scenario Analyzer explain what the 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.
Ask JMAC
Bring your next scenario.
Ask a question now, no sign-in needed to start. When a loan needs a conversation, talk it through with an AE.
Conversations on this page are illustrative examples. Program figures come from JMAC's matrices and change as guidelines are revised. If an answer and the published guideline differ, the guideline controls. Ask JMAC and Scenario Analyzer explain published guidelines; neither is a loan approval or a commitment to lend.