DSCR · Foreign national
Loan programs.
Every JMAC program, with its lowest score, highest LTV and largest loan from its current matrix.
- Programs
- 31
- Groups
- 6
- Ways to qualify
- 9
Each card shows the program’s best score, LTV and loan amount; one loan may not get all three.
Ways to qualify.
Start with the paperwork your borrower has. Each figure is the best any program offers for it.
- Full doc23 programs
- Score
- No score
- LTV
- 100%
- Loan
- $5M
- Bank statement9 programs
- Score
- 620+
- LTV
- 90%
- Loan
- $5M
- P&L only8 programs
- Score
- No score
- LTV
- 85%
- Loan
- $3.5M
- WVOE only6 programs
- Score
- No score
- LTV
- 85%
- Loan
- $3.5M
- Assets7 programs
- Score
- No score
- LTV
- 85%
- Loan
- $3.5M
- DSCR4 programs
- Score
- 620+
- LTV
- 80%
- Loan
- $3.5M
- ITIN5 programs
- Score
- No score
- LTV
- 85%
- Loan
- $3M
- Foreign national3 programs
- Score
- 680+
- LTV
- 75%
- Loan
- $3M
- Credit event2 programs
- Score
- No score
- LTV
- 90%
- Loan
- $3M
Every program, every way to qualify.
Pick the ways your borrower qualifies. Tick up to four programs to compare them side by side.
Step 2: Pick up to four programs to compare.
Check the box beside a program, then select Compare.
31 programs to explore
DSCR
Boost rent w/ assets · DSCR · ITIN · Foreign national
DSCR · Foreign national
Full doc · Bank statement · P&L only · WVOE only · Assets · ITIN
Full doc · Bank statement · P&L only
Full doc · Bank statement · P&L only · WVOE only · Assets
Full doc · Bank statement · P&L only · Assets · ITIN · Credit event
Full doc · Bank statement · ITIN
Full doc · Bank statement · P&L only · WVOE only · Assets
P&L only · WVOE only · Assets
Full doc · P&L only · WVOE only · Assets · ITIN · Credit event
Full doc · Bank statement
| Program Check to compare | Full doc | Bank statement | P&L only | WVOE only | Assets | DSCR | ITIN | Foreign national | Credit event |
|---|---|---|---|---|---|---|---|---|---|
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| Alternative income, credit & documentation | |||||||||
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| Financing beyond conforming limits | |||||||||
| Agency & affordable-lending options | |||||||||
| FHA, VA, USDA & down-payment assistance | |||||||||
| Stand-alone second mortgages | |||||||||
Listed option · — Not listed. Guidelines determine the available combinations.
DSCR programs.
Investment properties & rental income- DSCRVenice DSCRNo minimum DSCR on 1–4 units, including rural, short-term rentals and condo hotels; 5–8 units and 2–8 mixed use at 1.00+ DSCR
- Score
- 640+
- LTV
- 80%
- Loan
- $3.5M
- DSCRDSCR PrimeA well-priced option for long-term rentals with positive cash flow
- Score
- 640+
- LTV
- 80%
- Loan
- $2M
- DSCR · Newport familyNewport DSCRNo-seasoning cash-out on current value, and assets that boost the DSCR
- Score
- 620+
- LTV
- 80%
- Loan
- $3M
- DSCR · Newport familyNewport DSCR Plus100% gift funds, gift of equity, first-time homebuyers and living rent-free
- Score
- 640+
- LTV
- 80%
- Loan
- $3M
Non-QM programs.
Alternative income, credit & documentation- Non-QM · Zuma familyZuma PrimeFull documentation and alternative income paths
- Score
- 620+
- LTV
- 90%
- Loan
- $4M
- Non-QM · Zuma familyZuma GoldBank statements, 1099 and P&L options
- Score
- 620+
- LTV
- 85%
- Loan
- $3M
- Non-QM · Zuma familyZuma SilverAnother path for full and alternative documentation
- Score
- 660+
- LTV
- 90%
- Loan
- $3.5M
- Non-QM · Newport familyNewport Non-ConformingFull and alternative income documentation
- Score
- 620+
- LTV
- 90%
- Loan
- $3M
- Non-QMITINA dedicated path for ITIN borrowers
- Score
- 660+
- LTV
- 80%
- Loan
- $1.5M
- Non-QMBalboaIncome, asset and distinctive-property options
- Score
- 660+
- LTV
- 85%
- Loan
- $3M
- Non-QMLimited DocsWVOE, P&L and asset-utilization paths
- Score
- 660+
- LTV
- 80%
- Loan
- $3M
- Non-QMRedondoNewCondo flexibility, credit and asset qualification
- Score
- No score
- LTV
- 85%
- Loan
- $3M
- Non-QMCarmelLarger Non-Conforming loans for primary homes
- Score
- 620+
- LTV
- 80%
- Loan
- $5M
Jumbo programs.
Financing beyond conforming limits- JumboMontereyFull-documentation jumbo financing
- Score
- 720+
- LTV
- 80%
- Loan
- $3M
- JumboJumbo PlusJumbo financing with agency underwriting findings
- Score
- 660+
- LTV
- 80%
- Loan
- $3.5M
- JumboMalibu PlusFixed, adjustable-rate and interest-only options
- Score
- 660+
- LTV
- 89.99%
- Loan
- $3.5M
- JumboManhattan PlusLarger loans with tiered leverage and reserves
- Score
- 700+
- LTV
- 89.99%
- Loan
- $3.5M
Conventional programs.
Agency & affordable-lending options- ConventionalFannie Mae ConformingConventional financing through Desktop Underwriter
- Score
- Per AUS
- LTV
- 97%
- Loan
- $2,438,025
- ConventionalFreddie Mac ConformingConventional financing through Loan Product Advisor
- Score
- Per AUS
- LTV
- 95%
- Loan
- $2,438,025
- ConventionalHomeReadyFannie Mae’s affordable-lending option
- Score
- Per AUS
- LTV
- 97%
- Loan
- $2,438,025
- ConventionalHome PossibleFreddie Mac’s affordable-lending option
- Score
- Per AUS
- LTV
- 97%
- Loan
- $1,625,350
- ConventionalHomeOneA conventional path for eligible first-time buyers
- Score
- Per AUS
- LTV
- 97%
- Loan
- $845K
Government programs.
FHA, VA, USDA & down-payment assistance- GovernmentFHAPrimary-home financing with flexible down-payment options
- Score
- 500+
- LTV
- 97.75%
- Loan
- County limit
- GovernmentFHA StreamlineRefinance options for existing FHA borrowers
- Score
- 580+
- LTV
- Per FHA calculation
- Loan
- Per FHA calculation
- GovernmentVAFinancing for eligible veterans and service members
- Score
- 580+
- LTV
- 100%
- Loan
- $2M
- GovernmentVA IRRRLRate-reduction refinancing for existing VA borrowers
- Score
- 580+
- LTV
- 110%
- Loan
- $1.5M
- GovernmentUSDAHomes in USDA-eligible locations for income-eligible households
- Score
- 620+
- LTV
- 100%
- Loan
- By income eligibility
- GovernmentUSDA Streamline AssistRefinancing for existing USDA Guaranteed borrowers
- Score
- 620+
- LTV
- Not applicable
- Loan
- Existing balance plus eligible costs
- GovernmentFHA Down Payment AssistanceCover the FHA down payment with a JMAC second, up to 101.5% CLTV
- Score
- 600+
- CLTV
- 101.5%
- Loan
- FHA county limit
Closed-end seconds.
Stand-alone second mortgagesYour next borrower. Our next conversation.
Bring us your next loan.
Send the scenario, ask JMAC a question, or get set up with your lending team.