Jet Loan Programs
Comprehensive loan solutions for every scenario
Which Non-QM program fits your borrower?
Industry-leading options: Bank Statements, P&L, 1099, WVOE/Asset Depletion, and Full Doc
First Class
Superior execution and flexibility for your A+ borrowers — Primary, Second Home & Investment with Full Doc, Bank Statement, 1099, WVOE & Asset Depletion; loan amounts up to $3,500,000
Business Class
Flexible Non-QM financing for Primary, Second Home & Non-Owner — Full Doc, Bank Statement & 1099; Owner loan amounts up to $3,500,000 and Non-Owner up to $2,000,000
Premium Class
Higher flexibility with strong execution — Owner-Occupied & Investment options to fit borrowers who fall just outside First Class or Business Class guidelines
Connecting Flight Seconds
Closed-End Second (CES) — tap equity without touching the borrower's existing low first mortgage rate
Skyline DSCR
Debt Service Coverage Ratio — qualify investment properties on rental income, not personal credit
Non-QM Programs
Flexible non-traditional solutions for borrowers who don't fit conventional lending criteria.
Submit a ScenarioBank Statement Calculator
Free income analysis for self-employed borrowers. Submit 12 months of bank statements and we'll return qualifying income in 2–4 hours on average.
Launch CalculatorWhat agency programs can you originate with JET?
Fannie Mae, Freddie Mac, FHA, VA, DPA Programs -- backed by government agencies with competitive rates and flexible qualifying.
Agency Programs
Competitive agency loan options with flexible qualifying guidelines for your clients.
Submit a ScenarioYour Wingman
At Jet Mortgage, your advantage is partnering with us. We help you navigate the mortgage industry to help build your business by providing the highest quality customer experience possible.
Loan program questions brokers ask most
What loan programs does JET Mortgage offer wholesale brokers?
JET Mortgage offers Agency programs including Conventional, FHA, FHA 100, FHA 200, FHA Streamline, VA, and CalHFA, alongside a full Non-QM lineup covering Bank Statement, P&L, 1099, WVOE, Asset Depletion, Full Doc, and DSCR investor programs.
Can self-employed borrowers qualify without tax returns?
Yes. JET Mortgage qualifies self-employed borrowers using 12 or 24 months of personal or business bank statements, a CPA-prepared P&L, or 1099 income documentation — no tax returns or 4506-C transcripts required on these Non-QM programs.
What is a DSCR loan and which borrowers is it for?
A DSCR (Debt Service Coverage Ratio) loan qualifies real estate investors on the subject property’s rental income rather than personal income. No employment, tax returns, or DTI calculation is required — the property’s rent-to-payment ratio drives eligibility.
Where can I find JET Mortgage product matrices and guidelines?
Every Agency and Non-QM program card on this page expands to reveal program highlights and links to the current product matrix PDF, including separate owner-occupied and non-owner-occupied matrices where applicable.
How do I get a Non-QM scenario reviewed before submitting?
Submit the scenario through the JET Mortgage Scenario Desk. You do not need to be a pre-registered broker to request a review, and an Account Executive or underwriter will respond with structuring guidance and program fit.
Program rates and parameters are subject to change without notice.