Jennifer Lowe

Your California Mortgage Specialist

Jennifer has more than 30 years experience in the real estate industry. She began her career in her native Jamaica and since, translated her passion for real estate into successful residential sales and mortgage careers.

Assets Sourced & Seasoned 30 Days
Bank Statements: We allow only the first page of the bank statement to be used – NO ONE else can do this!
100% of Stocks/Bond/Mutual Funds can be used for closing and reserves
Interest Only Options Available (all states except Texas)
No Mortgage Insurance required
Departing Residence & Delayed Financing allowed

Community Mortgage

FICO 640+
Loan Amounts to $2MM (Based on FICO & Reserves)
No Income / Employment Documentation Required
No Prepayment Penalty
Owner Occupied & Second Home – NO ONE else can do this!
70% Loan to Value – Purchase / Rate & Term
60% Loan to Value – Cash Out

Prime Plus Program

FICO 680+
Loan amounts to $3.5MM (Based on FICO & Reserves)
Debt to Income to 50% (See matrices for addional restrictions)
90% Loan to Value – Purchase / Rate & Term
70% Loan to Value – Cash Out
No Prepayment Penalty

Investor Program (DSCR)

FICO 660+
No Income qualifying required
Loan amounts to $2MM (Based on FICO & Reserves)
Loan to Value to 80% – Purchase / Rate & Term
Loan to Value to 65% – Cash Out
Debt Service Coverage Ratio from .50 – 1.00%+ (Restrictions apply .50 – .99%)
Ho Ratio option available to $2MM (Based on FICO and Reserves)

Alt-Doc Program

FICO 660+
Loan Amount to $3.5MM (Based on FICO & Reserves)
Debt to Income to 50% (See matrices for add’l restrictions)
Loan to Value to 80% – Purchase / Rate & Term
Loan to Value to 65% – Cash Out
No Prepayment Penalty
Options available: 12 Mos. Bank Statements/2 yrs 1099/Asset Qualifier
Primary & Second Homes

Technology designed to help find the best loan and rate for your specific needs

One of the industry's highest application approval rates

Local loan processing and underwriting

What My Clients Say

“Working with Jennifer to refinance our home was a smooth and wonderful experience. Jennifer is a great communicator, always responsive, and manages to get the best possible rates! She is remarkably calming during stress and able to move beyond challenges with ease. This was our third experience working with Jennifer and she is simply the best!”

Emmanuel Lubezki and Lauren Strogoff

Cinematographer

“I was referred to Jennifer by my accountant, so I had implicit trust in her already. But as she handled my very complicated financial situation across five properties, I discovered she was as attentive, motivated, and able to get my loans through, almost more than myself. 🙂 She’s the perfect ally to help you through all the stresses, details, and general confusion in the wild world of loans. She makes it easy and simple and, liker her personality, extremely reassuring and pleasant.”

Phillip E.

“Jennifer thank you so much for the support & great job with our property closings. We really appreciate all you have done. It is unbelievable the time frame with which you where able to complete our transactions. On behalf of our family we send you a HUGE THANK YOU!!!”