Guidance before you submit.
Scenario Desk, part of JMAC Intelligence, takes about a minute to work through your scenario against the agency guides and JMAC program guidelines, then shows the passages it used. It runs on the AI technology we built for our own team, now shared with our broker partners.
- Works through each part of your scenario
- Shows the guideline passages it used
- Ask an AE from any conversation
Watch it work a scenario.
Three illustrative answers from the questions brokers bring most: DSCR and Non-QM placement, government rules and the agency guides. Choose one to see how an answer starts.
- 01Reads the whole scenario.
The borrower, the property and the numbers you give it.
- 02Searches the guides that apply.
JMAC’s matrices and the agency guides, side by side.
- 03Works through each rule.
Including the limits and overlays that change the answer.
- 04Shows its sources.
Open the passage behind the guidance, then bring in your AE.
Scenario DeskIllustrative 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.source 1
At 720 and $450K, the ITIN grid shows 80% on a purchase. The short-term rental limit caps it at 75% LTV.source 1
JMAC’s four DSCR programs on this scenario
| Program | Short-term rental | ITIN borrower |
|---|---|---|
| DSCR Primesource 2 | Not allowed | No ITIN path |
| Venice DSCRsource 3 | Allowed outside its DSCR Plus and 5–8 unit tiers | Not allowed |
| Newport DSCR Plussource 4 | Needs a 1.15 DSCR, with its own LTV limits | No ITIN path |
| Newport DSCRsource 1 | 75% purchase, 70% cash-out | Dedicated ITIN matrix |
- Newport DSCR
- DSCR Prime
- Venice DSCR
- Newport DSCR Plus
The full answer, with what would change it and the passages behind it, continues in Scenario Desk.
Illustrative example, sped up. Real answers take about a minute.
Guidance only: not an approval, underwriting decision or commitment to lend.
Two ways to ask JMAC.
Quick answers on this site. In-depth guideline research for approved partners.
| Ask JMAC On this site | JMAC Intelligence Scenario Desk at jmaclending.ai | |
|---|---|---|
| Who it’s for | Anyone visiting jmaclending.com | Approved broker partners and their loan officers |
| Built for | Finding the program and the page to review | Working a full scenario before you submit |
| Time | A quick answer | About a minute of research |
| You get | A short answer and where to go next | Cited guidance, what would change it, and its sources |
| Your AE | How to reach your account executive | Ask an AE sends them the whole thread |
Where the guidance comes from.
Two kinds of sources, cited so you can check how a rule applies before you rely on it.
- Agency guidesFannie Mae, Freddie Mac, FHA and VA.Citations point to the section of the guide the guidance relies on, so you can read the rule in its own words.
- JMAC programsGuidelines and matrices, government to Non-QM.Program guidance names the JMAC guideline or matrix it comes from. The current matrix governs.
How to work a scenario.
A clear first question saves the back and forth. Here's what gets a useful reply.
Describe the loan.
Give the occupancy, purchase or refinance, the program if you know it, and the numbers you have: score, LTV and loan amount. A few sentences is enough. Leave out Social Security and account numbers.
Narrow it to one program.
When the guidance names more than one program, narrow the research to one of them before you quote a limit to your borrower.
Open the sources.
Check the cited passage and how it applies to your borrower before you rely on the guidance.
Bring in your AE.
Choose Ask an AE when you want another set of eyes. The conversation goes to your account executive with everything you've already worked through.
Questions brokers ask.
Who can use Scenario Desk?
Approved JMAC broker partners and their loan officers. Register with your work email at jmaclending.ai. If your company isn't approved with JMAC yet, start by becoming a partner.
Is Scenario Desk guidance a loan approval?
No. Scenario Desk guidance is informational. It isn't a credit decision, loan approval or commitment to lend. JMAC underwriting decides eligibility on the documented loan.
Can I share the guidance with my borrower?
Use it to prepare the loan. Don't present it to a borrower as an approval, an eligibility decision or a rate quote.
How do I bring my AE into a conversation?
Choose Ask an AE in the conversation. It sends the thread to your account executive, so they see the scenario and the guidance you've already reviewed.
Why does an answer take about a minute?
Scenario Desk works through the guidelines before it answers. It searches JMAC's matrices and the agency guides, checks the rules that apply to your scenario and keeps track of the passages it used. Harder scenarios can take longer.
How is it different from Ask JMAC on this site?
Ask JMAC gives quick answers on jmaclending.com and points you to the right program and page. JMAC Intelligence is for approved partners: in Scenario Desk it works through your full scenario, shows its sources, and lets you bring your AE into the thread.
Your next borrower. Our next conversation.
Bring your next scenario.
Register for access to Scenario Desk, or log in if you already have an account.