Quick Pricer
See which JMAC programs fit a scenario, and why. Rates and prices open when you sign in.
Results show here.
Enter the scenario, and you'll see:
- Which JMAC agency, Non-QM and jumbo programs or closed-end seconds fit, with the rate nearest par
- Each option's rate stack, and up to three side by side
- For the near misses, the guideline that stopped them and what would clear it
- Other ways to price or qualify, one tap each: DSCR, another doc type, a prepay term
General program information for mortgage professionals, and not for distribution to consumers. Not an offer, a commitment to lend, a prequalification or a credit decision. No application is taken; eligibility is determined in underwriting after submission. Guidelines change without notice.
JMAC Lending, Inc. NMLS #53112. Equal Housing Opportunity. Licensing
Questions about the Quick Pricer.
Which programs does it check?
Agency: Fannie Mae and Freddie Mac conforming, including high balance, fixed from 10 to 30 years and 5/6, 7/6 and 10/6 ARMs; FHA, VA and USDA, fixed; and FHA with JMAC's down payment assistance, the three seconds side by side. Non-agency: JMAC's Non-QM programs, including bank statement, DSCR, asset utilization and ITIN, and JMAC's jumbo programs: Monterey, Jumbo Plus, Malibu Plus and Manhattan Plus. And JMAC's closed-end seconds. HomeReady, Home Possible, streamline refinances and temporary buydowns aren't in the quick pricer yet. Price those in your engine or with your account executive.
Can I price agency and Non-QM in one search?
Pick one at the top: Agency, which includes FHA, FHA down payment assistance, VA and USDA, or Non-agency, which is Non-QM and jumbo. Once it's priced, the quick pricer checks the same scenario as the other type, and one tap shows those results.
Where do the results come from?
From JMAC's pricing engine, the same one behind JMAC pricing in LenderPrice. The quick pricer sends it the scenario as entered and shows which programs fit and the guideline that stopped each near miss. It doesn't take an application or make a credit decision.
Where do I see pricing?
With each result, once you're signed in. Approved partners also price JMAC in LenderPrice, Loansifter or ARIVE, and in JMAC Connect, and your account executive can price a scenario with you.
Is the pricing borrower-paid or lender-paid?
Borrower-paid unless you choose Lender-paid. Approved partners can choose Lender-paid under Comp: every price then includes your company's lender-paid comp plan as JMAC Connect holds it, and the results say which plan and how much. Otherwise no lender-paid compensation is built into the prices; add your comp to the price shown, or price the loan in JMAC Connect.
Is a result an approval or a lock?
No. A result is a read of the scenario as entered, not a loan approval, a commitment to lend or a rate lock. Program guidelines control, and you lock in JMAC Connect once you're approved.
Does it price cash-out refinances?
Yes. A cash-out first mortgage is priced with each program's cash-out limits, which are often lower than purchase and rate/term. If the borrower keeps the first, price a closed-end second instead; it's always a cash-out loan.
Who can use it?
Any mortgage professional interested in working with JMAC: loan officers and processors at mortgage brokers and lenders, and JMAC employees. Sign up with your work email. With a JMAC Connect login, or an email address at an approved broker, it opens as soon as you finish your profile; for everyone else, someone on our team reaches out. Business-purpose DSCR originators without an NMLS ID can sign up too. You need an active JMAC approval to register or lock a loan.
Can I check scenarios in my AI assistant?
Yes. Add JMAC to Claude, ChatGPT or Grok to check which programs fit a scenario, using the same rules as this page's signed-out view. Your assistant gets no rates; sign in here for rates. Use JMAC in your AI assistant