Questions? Feedback? powered by Olark live chat software


JMAC offers outstanding jumbo products suited for your needs.  Find out more about these lending options below.  

Click here for Jumbo Product Comparison


Our most popular – and flexible – jumbo product.

•  30-year and 40-year fixed-term with interest-only
•  $100K to $2.5 million
•  Up to 95% LTV with NO MI
•  Non-occupant co-borrowers and gift funds allowed
•  Interest-Only with 680+ FICO
•  Cash back up to $2.5 million
•  Cash back 90% LTV up to $1.5 million
•  2-years seasoning (short sales & bankruptcy); 3-years seasoning (foreclosures)
•  As low as 600 FICO


Laguna is a premium jumbo product with aggressive pricing on purchase loans.


•  Aggressive pricing on purchases
•  Rate reduction of .250 for ACH payment (any bank)
•  80% LTV/CLTV up to $2M min. 700 FICO
•  70% LTV/CLTV up to $3M min. 720 FICO
•  100% of the down payment from gift funds
•  H1B, H1C and L-1 VISAs accepted
•  Investment property to $2 million
•  Only one appraisal required up to $3 million loan amount


Ideal for Millennials with no mortgage or rental history.  In addition, Manhattan loans offer aggressive pricing on refinances.

•  Loans to $2.5M
•  Delayed financing allowed up to 50% with a $1M loan amount
•  Rental income allowed on departing property
•  Up to 8 financed properties allowed (max. 15 owned non-comm. properties)
•  100% reserve can be from retirement funds
•  First time home buyer: no mortgage or rental history required