DSCR · Foreign national
Wholesale and non-delegated correspondent lending
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The JMAC coastHuntington Beach, California
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.
4.85out of 5 from 3,700+ partner reviews on Experience.com (opens in a new tab)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.
“Anne and her Team are 100% involved with every file and never too busy to help.”
Denise W. · Broker partner · Aug 2026 Answers you don’t chase
Call the team, ask JMAC Intelligence, or reach your AE. Someone gets back to you with the answer.
“She is always reachable, always calls back, and is incredibly attentive and responsive.”
Franchesca G. · Broker partner · Sep 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.
“With Jeff’s guidance, expertise, and responsiveness, we were able to seamlessly transfer the file, transfer the appraisal, and get the loan clear to close in just nine days while still meeting the original closing timeline.”
Jordyn R. · Broker partner · Jul 2026
Find options for
your borrower.
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
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
Full doc · Bank statement
| Program Check to compare | Full doc | Bank statement | P&L only | WVOE only | Assets | DSCR | ITIN | Foreign national |
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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.
Price it. Bookmark it. Compare.
Price a scenario
Enter the scenario once. See which programs fit, the lowest rate near par and the full rate stack.
Bookmark the options you like
Bookmark options at par or at a rate you chose. They’re waiting when the borrower calls back.
Compare side by side
Bookmarked options re-price live at the same rate. What differs is highlighted, and the lowest price is marked.
JMAC Intelligence, for approved partners
A minute of research.
A clearer next step.
Ask JMAC on this page gives quick answers. JMAC Intelligence at jmaclending.ai takes about a minute to work through each part of your scenario, then shows the guideline passages it used so you can check them.
- 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 |
Sources
- 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.
Turn-time targets in business days
From submission to funding,
step by step.
- Submission Same day
- Initial decision 1 day
- Condition review 1–2 days 1 day conforming and government, 2 days Jumbo, Non-QM and seconds
- Closing disclosure 1 day
- Loan documents 1 day
- Funding conditions 1 day
Condition review is 1 day for conforming and government loans, 2 days for listed Jumbo and Non-QM programs and closed-end seconds.
See all turn timesThe people behind your loans
Run by people who still underwrite.
Our founders started JMAC in 1997 and still work loans today. Christina Pham still underwrites new products herself, and our Director of Underwriting brings more than 25 years in the industry, so the people deciding on your file know how loans close.
Meet the full leadership team
Christina PhamFounder and PresidentStill underwrites loans herself, especially new products.
Mai NguyenFounder and Executive Vice President, OperationsShapes how each department runs and stays close to underwriting.
Dana ReminderDirector of UnderwritingMore than 25 years in the industry, focused on consistent decisions.
People you can work with
Talk through the details
with our team.
A scenario can lead to more questions. Call us, or ask your JMAC account executive to work through the loan and the next steps.
Call (949) 390-2688Talk to an AE Check current turn timesI feel like everyone at JMAC was trying to make the process easy, find solutions and get the deal across the finish line. It was a team effort!
4.85 out of 5, from3,700+ reviews on Experience.com
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