One team for your next loan.
Guideline expertise across the loans you bring us, from the people who run JMAC to the underwriters on your file.
- lending to brokers and correspondents
- Since 1997
- funded since we started
- $25B+
- loans funded
- 60,000+
- in Non-QM loans, over more than a decade
- $2.7B
Why partners choose JMAC
A team that knows your file.
Partners tell us what stands out: the people on their loan stay involved, call back, and work through the hard parts with them.
- 5 stars
- 92% of reviews
- 4 stars
- 6% of reviews
- 3 stars
- 1% of reviews
- 2 stars
- 1% of reviews
- 1 star
- <1% of reviews
Involved from start to finish
The people who help you structure the loan stay with it through funding, so you’re never re-explaining your file.
“From the very beginning Allan has been the support and guidance I needed and a trusted professional that stuck by during the entire process.”
Darnell B. · Broker partner · Aug 2026 Answers you don’t chase
Call the team, ask JMAC, or reach your AE. Someone gets back to you with the answer.
“Any time I had a question or needed help someone responded right away. Made me feel like my 1 file was important to them.”
Lori I. · Broker partner · Aug 2026 Tough files, worked to closing
When a file gets complicated, your team gets on the phone, works out a path, and keeps your closing date in sight.
“Jeffrey Warner is amazing at what he does, he answers the phone and is very responsive. He got a tough file across the closing table and ON TIME!”
Royce H. · Broker partner · Sep 2026
Conventional, government and Non-QM, every day.
Each is a core part of what we fund, not a side program. Agency and Non-QM files go to underwriters who specialize in them.
Fannie Mae and Freddie Mac
Conventional
Agency loans and their affordable programs, with agency underwriters who work these files every day.
- HomeReady, Home Possible and HomeOne
- High balance when the loan amount climbs
FHA, VA and USDA
Government
FHA, VA and USDA loans, with manual FHA underwriting when the AUS refers.
- Our own down payment second for FHA; both loans close with JMAC
- VA and USDA, including streamline refinances
For over a decade
Non-QM
Consistent Non-QM decisions, from a team that’s done it for over a decade.
- Bank statement, P&L, assets, ITIN and foreign national
- DSCR for investors
Led by people who know how loans close.
Our founders started JMAC in 1997 and still work loans today. Beside them are the leaders of client relations, underwriting and operations, the teams your loan moves through from first scenario to funding.
Christina PhamFounder and PresidentKnows every JMAC program and still underwrites new products herself.
Mai NguyenFounder and Executive Vice President, OperationsShapes how each department runs so partners get efficient, reliable service.
Anne NguyenSenior Vice President, Client RelationsConnects partner relationships, underwriting and marketing to improve how JMAC does business.
Dana ReminderDirector of UnderwritingWorks with sales, operations and compliance so partners get consistent decisions.
David RacerDirector of OperationsLeads the operations teams that keep loans moving and service consistent.
Two ways to work together.
Choose the channel that fits how your company lends.
- For mortgage brokersWholesaleBroker your loans with JMAC, keep your borrower relationships, and price JMAC in the engine you already use.Explore wholesale
- For non-delegated correspondentsCorrespondentClose and fund in your own name, with JMAC underwriting and a team to guide the purchase review.Explore correspondent
Your next borrower. Our next conversation.
Bring us your next loan.
Start with a scenario, ask JMAC a question, or get started with JMAC.