I appreciated the communication throughout the process with my rep and her assistant. I've submitted loans to JMAC in the past and am happy to say things have improved dramatically in the process flow from then till now. Closing the first week of Jan., and we closed on time. read more

stay far away from this company if you ever want to close. they lie and will cost you $$ because of it. they make promises they dont keep. just run!!!! read more

They caused me to miss 3 closing dates. I am still trying to buy my house after 3 months

After 14 days of delays for abnormal requests, I came here to check their reviews, and all of the bad reviews confirm everything that is currently happening to us. This is the 7th mortgage/ refi we have applied for in our real estate history, and I've never had an experience like this. Thankfully they aren't making us homeless since we are buying a rental property (with 780 credit and over 1/2 down). I agree with another reviewer, they probably don't have funds to cover, so they are stalling til then do. I don't think it's personal, but that doesn't make it any less horrible as a potential consumer. Stay away from this lender. read more

Anne's team, especially Jeff, Katie and Peter were amazing to work with. We had a bumpy loan but they remained courteous, helpful and professional! My clients and my realtor thank you dearly! JMAC Wholesale is a great partner! read more

I started originating loans over at JMAC when an AE I loved working with went there and wow, what a great experience. Not only are their rates great, but their client experience is top notch. Eva (my AE) and Tiffany (Account Manager) are super hands on and always available to step in if anything is time sensitive or urgent. Can't recommend them enough! They are my go-to lender allowing me to provide my clients with outstanding service and great products! read more

I am a Mortgage Broker with 37 years of Experience. I just closed a refinance with JMAC Lending Wholesale, and everything went perfectly well. The process was very efficient, and the communication was phenomenal. Everyone, including our AE Bridgette Klein and our Account Manager Hannah Bui, went out of their way to ensure a smooth process. read more

I had an amazing experience recently with JMAC bank that I wanted to share... my Account Executive there is Liza Negrete. She really went the extra mile to ensure that my experience (and therefore my client's experience) was top notch! I would highly recommend JMAC to other mortgage loan officers looking for an alternative to the cookie cutter approach that UWM and ROCKET have become. I'll be sending future files to JMAC and Liza! read more

Just closed a loan for a client with JMAC Lending. Got the buyer a GREAT rate, and we were closed in 16 business days! Very happy clients :). I look forward to doing more business with JMAC. Note: I have noticed some 1 star reviews on Yelp, but I think that in many of the instances, the loan officer for the broker might be the problem, not JMAC. Quoting rates and fees is the broker's responsibility, as is gathering of documents and processing in a timely manner. I would not hesitate to recommend JMAC for my clients again. Also, we do have a REALLY awesome account executive with JMAC, her name is Liza Negrete. She watches over the files for us there at JMAC, and really helps get things through timely. Liza Negrete: (949) 345-8824. Eric Larsen Focus Lending Group, Inc. read more

We had a fantastic experience with Liza Negrete and JMAC team. We quickly got clear to close in "8" business and closed it in "11" business. Thank you, JMAC, for the quick responsive communication and for exceeding our expectations! read more

My reputation is at stake, and I willingly associate it with JMAC because every Loan Originator deserves to be recognized as a hero. Thanks to JMAC I am one! read more

Besides the fact that JMAC has some great pricing, Michelle Smith is the absolute best rep we have ever had. If there is an issue, she is on the phone minutes later trying to find a solution. Thank you for all you help, always!! read more

After my one star review and additional communications from my loan agent they waived the old document issues and approved our loan. I am assuming that management took the time to review their pipeline to see what was holding up loans such as mine. Everything went very smoothly from that point forward as it had before they got all hung-up an old (many years) uncleared document issue. It is good that they are diligent to their business to assure quality loans but important to keep up with and review the loans that stall for any reason. I imagine that did not isolate my loan and the negative review may have helped a few other loans get on the move again. My apologies to JMAC that it took so long to write this update. Hope you will be more alert to stalls in the work pipeline. read more

Be very careful with this company. They will drag their feet on everything and make your closing late. If your mortgage broker suggests working with this company, stop working with that broker. Our loan has taken more than 40 days to close (still hasn't) and the company has repeatedly asked me to submit additional forms for them to review. Any additional forms take an extra day and a half to review. Even after signing the loan agreement, there were more forms and review time. And then they realized they missed a form and asked me to backdate a signature. This is a shady company that doesn't do good business. Be very careful if you choose to work with them. read more

Liza Negrete was an awesome account executive to work with. Josh in underwriting was easy to contact with and resolved the conditions quickly and also was able to give me alternative ways to fulfill some of the conditions. Loan docs and funding was a lighting bolt. They're my first Lender of choice in all products. If they cannot do it I'll look for an alternative Lender but they will always get first right of refusal. Cheers read more

Every step of the way I was treated like royalty! From Registration to Funding it was a great experience and I have ZERO complaints or suggestions on how to improve. Thank you for a wonderful transaction. read more

Just closed couples of files and as usual JMAC Team never fails to amaze me how efficient they are and always ready to response whatever questions I have for my files all throughout the process from beginning to end. I keep working with JMAC for so many years , not only because of their very good rates that I can offer to my clients but most all it's their superb service! All I can say is all the JMAC team are awesome! Ms Anne our AE never been tired assisting me 24/7. I have learned so much from her over the years . I always feel confident dealing with clients because of her! Thank you very much Ms. Anne and your team for being supportive all the time! Sincerely, L.Lota Spectra Home Loans read more

I recently funded my first Non-QM with JMAC Lending. The process went smoothly and before I know it the loan was funded. I do recommend using JMAC for my colleagues. Specially the account executive Liza Negrete. read more

******PLEASE READ******* Do NOT work with this lending company! They are the reason why my family have not been able to close with escrow because they keep, and I mean KEEP asking for unnecessary documents to slow down the process. And here is the kicker: they do not ask for the documents in the morning so that you have enough time to send it in. No. They ask for them at 3pm, so that even if you send in the documents a second later, you are forced to wait until the very next day for it to be processed. It's genius really. If you choose to work with them, expect to be tossed around because they got real life sloths working in there. read more

We worked with Chris and it was easily the fastest & simple mortgage we have ever experienced. We will absolutely use him again.

I was recommended by a real estate agent to use one of their mortgage brokers. When I asked the broker which lending company they use they said JMAC. At first I didn't take notice about them as they quoted me a good rate. Out of nowhere I was given a high mortgage rate and I had to pay lending fees just to get the high rate. Current market mortgage rate is under 3% and I have excellent credit. I decided not to use the broker. Got a good 2.87 % rate from someone else. After reading all the negative reviews I can see why. This lending company is sketchy. Don't risk it and go with someone else. You've been warned. read more

I am surprised by all the feedback saying this company dragged their feet. We had a great experience with them . They emailed me once I got them all the documents they needed within 48 hours and we were approved closed within 30days. I went to two other mortgage lenders who gave me a higher interest rate and were more expensive ! JMac got me the best interest by almost half a point ! They are high volume so very busy if you don't need hand holding and just want to save money then this company is for you ! read more

Horrible lenders. Stay away from them at all cost, especially if you're thinking of getting a jumbo. They never stop asking for additional documents. They cost us getting our dream home since after working with them more than 4 weeks into the escrow they still came back with list of documents. And, many of the items were new and never brought up before. All the stories people have quoted below were mirror image of our experience with them. read more

Well my wife and i found our dream home, and this was our first home so we have no idea about real estate and mortgages. So we worked with a broker/agent and he used JMAC lending as our lender. The whole process from start to finish took 26 days for us to close. I honestly don't have anything negative to say. The reviews on google are not promising, and im not really sure why because we didn't experience problems. Maybe its because we had a sharp broker that knew how to do his job. Thanks JMAC read more

GREAT LENDER They are the fastest and the best lenders I have worked with since 2008. And never had i ever regret starting a loan with them. I always feel confident that 100% my loans will fund. They're customer service are pretty responsive whenever I have a problem or have questions. They are more helpful compared to other lenders that I have tried to work with. Will always be committed to JMac Lending! Thank You for making my work with clients, fast, easy and the most helpful customer service. I would definitely recommend Jmac Lending. read more

Very bad experience with this lender. They don't care about your relationship. They don't book and hold loans, generally speaking. They sell off to big shops like Wells. Sure, they offer cheap rates. But you get what you pay for. We were in escrow for 2 weeks and JMAC did everything in their power to make it difficult to close. Amateur hour. We lost the house but thankfully were able to recover our deposit. Will never do business with JMAC again. read more

Horrible! I am an ex mortgage professional and know how to supply what a lender needs with almost no wait time. We are locked for a low rate refinance jumbo conforming loan. We are about as strong as a borrower can be with no negatives. Very strong credit, verified liquidity of almost 50% of loan amount, less than 50% LTV (they required we close our 0 balance home equity line), and very low debt to income with multiple long term sources of income including W-2 and pension. Almost 50 years with same company. Every day they ask for some new weird condition and when we comply they ask for another. My husband is almost 73 and we well qualify without his W-2 income but I'm starting to think it's an age thing. We are already past the lock deadline and next up will be a complaint to the DRE. We advise others to do the same if facing the same problems. In addition, they substituted themselves as mortgage lender (loss payee clause) on our insurance a couple of weeks ago and we still don't have approval. Meanwhile our existing lender has threatened to buy insurance coverage for which they plan to bill us. Never heard of such a thing from a reputable mortgage banker or broker. read more

At first I thought my experience was going well with JMAC home lending, the speed at which they were processing my closing docs was great, they ran different scenario's when representing me in the purchase of my new home, they ran very specific scenario's that I asked them to run, then we closed on the home. Due to the decrease in rates, I opted to shop around for a refi a few months after closing and found out that JMAC really does not have your back. They did not advise on any money saving strategies for me and rather told me I was getting the best rate (which was far overinflated) and then did not tell me the benefits and disbenefits of a PMI buyout and rather just processed my request because they make more money that way. When I refi'd i basically lost all the $6000 I payed during closing to buyout the PMI and felt quite stupid and cheated. Regarding the rates, they suggested I buy-down my rate from 3.something to 2.99 which costed me another $6000 or so and told me that that's the best rate I could get anywhere. My brother in-law closed with a similar purchase price and received a 2.625 rate.. Again cheating me out of more money. I do not recommend this swindling company to anyone. read more

I'm please to find that JMAC has improved communication by far! Monica Solis and HANNAH BUI team were always available and responded expeditiously. The purchase loan flowed through the process effortlessly and we even closed early! Thank you for making me look like a hero to the clients and the realtors! read more

I am writing a post on this company everywhere I can. They are horrible. I am homeless because they are incompetent! We were supposed to close multiple times and the past 4 weeks they have all been canceled because this company can not get their crap together. I am warning anybody reading the reviews do not believe the 4 and 5 stars. Go through all reviews you will find out how miserable this company really is and how incompetent they really are read more

Minus star if I can! Agree with all the negative comments! notorious for : unnecessary documents that my buyer agent and escrow said never seen before... endless conditions come one after another! could they please review it one time and give time all together?! very inefficient, the underwriter comes to work after 10AM, and sent out conditions always after 7pm, making it no way to return in the same business day long turn-around time... It's a battle to go financing with them, very frustrating, even though decent rate, felt not worth it. When talking to your loan broker the first time, ask who is the lender! That's the lesson I learned. If it's JMAC lending, stay away from it! read more

These guys are parasites. They are unreasonable, unprofessional and will waste your time. It appears they have a borrower profile they are looking for to make it easier for them to sell on the loan. If you don't meet that profile they'll just make up a bunch of crap to avoid lending to you. The negative reviews are accurate and its possible some people had a good experience but looking at the reviews more often than not its a bad experience. I wanted a refinance with a cashout which they agreed to. After paying for the appraisal, supplying them with endless amounts of documents they refused to do my cash out despite me having ample equity in the property and good credit. I lost 2 months and my appraisal fee. I ended up refinancing through another bank in half the time with half the documentation and a better rate. read more

This wholesale lender told my loan broker that if "a derpgatory" on my loan app could be corrected, they could process my refi loan..(it was an error, in the first place, by B.of A. Mastercard). Finally we got a letter from B of A, saying they had corrected the error., and the Credit Bureaus would be straightened out in 2 mos. .Still, JMAC sadi they would not do a thing until the Credit Bureau record was re-written. .. The combination of JMAC and B of A...is a total disaster..... Avoid JMAC like the plague. John E. Barry read more

We were scheduled to close a loan the loan documents were sent to the wrong place. This lender would not extend the loan documents for one day. Not for one day. We were scheduled to close and we now have to start over with another lender. My advice is beware of this group. There motive is unclear but it seems they have little empathy with their clients. read more

We recently refinanced our loan through JMAC Lending And had the best experience. There process was fast and the loan officer explained everything where I as a consumer could understand each step. I was very pleased with the process and will be using them again! Thank you for making this process not a headache for us like other mortgage companies in the past. read more

Many thanks to Eric from JMAC Lending. I am the junior loan processor from BayCal Financial Santa Clara Corp. On behalf of Sam P., I would like to thank you for being very helpful and helping us close our loan. Eric works in a professional manner, gives solutions, and is very helpful. When in doubt, ask for Eric. Our rate on one of our loans expired and we were urgently trying to save the loan from getting killed. Eric helped us to extend the rate and gave us great advice. According to our senior loan processor Aurora, "Eric came to the rescue and saved the loan like an angel." Eric is on top of his duties and works in a timely manner. JMAC is a great lender to work with. More loan agents should submit loans to them. Everyone at JMAC Lending is a pleasure to work with. read more

We have been working with this lender for many years now and the experience has always been great. Everyone is responsive, efficient, and works well with us. Our most recent purchase file was more complicated than usual, but JMAC pulled through and closed on time. Special shout out to our underwriter, Brenda Betancourt, for all her hard work. We couldn't have done it without her and everyone else on her team. read more

We have been using JMAC Lending for years, but their recent process improvement has been a game changer. They're now moving transactions much more efficiently and Anne Nguyen and Bonnie King are a pleasure to work with. They go above and beyond when we need them and we know we can count on them to close on time and especially those complicated loans. We at Meridox Real Estate and Mortgage are happy to call them one of our top lenders. We look forward to doing more business with JMAC in the future. Thank you! read more

Since posting, JMAC was able to waive last pending document to allow our loan to fund and close. Appreciated the teams care and concern following my post. They were quickly able to step in to rectify the situation. read more

I have been working with Daron Chelette for many years, and can not speak more highly of him or his JMAC staff! The service he provides to our team week in & week out is phenomenal. Daron and his team work nights and weekends to making sure these deals fund on time. Thank you again JMAC! :) read more