Just Funded Mortgage

Better Rates. Less Cost!

Jumbo loans

  • Up to 90% Maximum Loan to Value | Purchase | Rate and Term
  • Up to 75% Maximum Loan to Value | Cash Out
  • Up to 45% Debt to Income Ratio (DTI)
  • Loan Amount $3M >
  • 680 Minimum Fico
  • Owner Occupied, Second Home, Investment Properties

Rates As Low As:

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0 %

APR

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Just Funded Mortgage

WE ARE A MORTGAGE LENDER

What does Just Funded Mortgage Do?​

Just Funded Mortgage is a full-service lender whose primary focus is to serve our mortgage customers with competitive products, programs, and pricing. We pride ourselves on a higher level of continued service throughout the financing process.

Just Funded Mortgage is a DBA of Home Mortgage Alliance Corporation (HMAC), NMLS # 1165808. Branch NMLS License # 1897248

© Just Funded Mortgage 2022

Licensing and Disclaimer

NMLS License # 1165808 | Branch NMLS License # 1897248 NMLS Consumer Access | California Residential Mortgage Lending Act (CRMLA) License Number – 603L284 

Bureau of Real Estate (BRE) License Number – 01526821 | Department Of Business Oversight (DBO) License Number – 603L284

This copyright of this website and its contents belong to Home Mortgage Alliance Corporation (HMAC) dba Just Funded Mortgage.  Any form of redistribution or reproduction’s of part or the entirety of the contents is prohibited except for:

  • Printing or Downloading to a local hard disk for your personal and non-commercial use
  • Copying the content to individual third parties for their personal use, provided that you acknowledge the website as the source of the material

Unless there is express written permission from Home Mortgage Alliance Corporation (HMAC) dba Just Funded Mortgage to distribute or commercially exploit the content, you may not reproduce the contents from this website.

Disclaimer

The information contained in this website is for general information purposes only. The information is provided by Home Mortgage Alliance Corporation (HMAC) dba Just Funded Mortgage and while we make an effort to keep the information up to date and correct, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reference or dependence you apply on such information is expressly at your own risk and your own decision.

In no event will Home Mortgage Alliance Corporation (HMAC) dba Just Funded Mortgage be held liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of the website and the information contained herein.

StateLicense Description
AlabamaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Alabama holds a Consumer Credit License (#22415) licensed by the Alabama State Banking Department, Phone: 334-242-3452.
AlaskaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Alaska holds a Mortgage Broker/Lender License (#AK1165808) licensed by the Alaska Department of Commerce, Community & Economic Development, Division of Banking & Securities, Phone: 907-269-8140.
ArizonaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Arizona holds a Mortgage Broker License (#0936822). AZ Branch Office (NMLS ID #1507754), licensed by the Arizona Department of Financial Institutions, Phone: 602-771-2800. OTN #1: 1027060 #2: 1028521 #3: 1028571
ArkansasHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Arkansas holds a Combination Mortgage Banker-Broker-Servicer License (#112771) licensed by Arkansas Security Department, Phone: 501-324-8671.
CaliforniaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in California holds a Finance Lenders Law License (#603L284) licensed by the California Department of Financial Protection and Innovation and CRMLA License # 41DBO-134495. Phone: 866-275-2677.
ColoradoHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Colorado holds a Mortgage Company Registration, regulated by the Colorado Division of Real Estate, Phone: 303-894-2166.
ConnecticutHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Connecticut holds Mortgage Lender License (#ML-1165808) licensed by the Connecticut Department of Banking, Consumer Credit Division, Phone: 860-240-8267.
DelawareHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Delaware holds a Lender License (#025217) licensed by the Delaware State Bank Commissioner, Phone: 302-739-4235.
District of ColumbiaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in the District of Columbia holds a Dual Authority License (MLB1165808) licensed by the District of Columbia Department of Insurance, Securities and Banking Bureau, Phone: 202-727-8000.
FloridaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Florida holds a Mortgage Lender License (#MLD1373) and a Mortgage Lender Servicer License (#MLDL115) licensed by the Florida Office of Financial Regulation, Phone: 850-410-9895.
GeorgiaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Georgia holds a Mortgage Lender License/Registration (#55585) by the Georgia Department of Banking and Finance Phone: 800-436-7442
HawaiiHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) Hawaii Mortgage Loan Originator company License # HI-1165808 by the Hawaii Department of Financial Int. Phone: 808-586-2820
IdahoHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Idaho holds a Mortgage Broker/Lender License(#MBL-8930) licensed by the Idaho Department of Finance, Consumer Finance Bureau, Phone: 208-332-8000.
IllinoisHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Illinois holds a Illinois Residential Mortgage License (#MB.6761241) licensed by the Illinois Division of Finance and Professional Regulation, Phone: 844-768-1713.
State of Illinois, Division of Banking
Illinois Department of Financial and Professional Regulation (IDFPR)
555 West Monroe Street, 5th Floor Chicago, IL 60661
Telephone Number: 1-888-473-4858 | www.idfpr.com
IndianaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Indiana holds a First Lien Mortgage Lending License (#34639) licensed by the Indiana Department of Financial Institutions, Consumer Credit Division, Phone: 317-232-3955.
IowaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Iowa holds Mortgage Banker License (#2017-0107) licensed by the Iowa Division of Banking ,regulated by the Iowa Department of Justice Attorney General Consumer Protection Division, Phone: 515-281-4014. OTN Mortgage Banker License #LO22-0006
KansasHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) is a Kansas licensed mortgage company and holds a Mortgage Company License (#MC.0025471) licensed by the Kansas Office of the State Bank Commissioner, Division of Consumer and Mortgage Lending, Phone: 785-296-2266.
KentuckyHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Kentucky holds a Kentucky Mortgage Company License (#MC385742) licensed by the Kentucky Office of Financial Institutions, Phone: 800-223-2579.
LouisianaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Louisiana holds a Residential Mortgage Lending License, licensed by the Louisiana Department of Financial Institutions, Phone: 225-925-4660.
MaineHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Maine holds Supervised Lender License (#1165808) licensed by the Maine Department of Professional and Financial Regulation, Bureau of Consumer Credit Protection, Phone: 207-624-8527.
MarylandHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Maryland holds a Mortgage Lender License (#22801) licensed by the Maryland Commissioner of Financial Regulation, Phone: 410-230-6100.
MassachusettsHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Massachusetts holds a Mortgage Lender License (#ML1165808).
MichiganHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Michigan holds a 1st Mortgage Broker/Lender License (#FL0020871) and 1st Mortgage Broker/Lender/Servicer License #FL-0023797 licensed by the Michigan Department of Insurance and Financial Services, Phone: 877-999-6442.
MinnesotaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Minnesota holds a Residential Mortgage Originator License (#MN-MO-1165808) licensed by the Department of Commerce, Financial Institutions Division, Phone: 651-539-1600. Residential Mortgage Originator License OTN #1: MN-PNO-1165808-1 and Residential Mortgage Servicer License #MN-MS-1165808
MississippiHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Mississippi holds a Mortgage Lender License (#1165808) and is licensed by the Mississippi Department of Banking and Consumer Finance, Phone: 800-844-2499.
MissouriHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) Mortgage Company License (#1165808) and is licensed by the Missouri Division of Finance, Phone: 573-751-3242.
MontanaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) In Montana holds a Mortgage Broker Lender Servicer License (#1165808) licensed by the Montana Division of Banking and Financial Institutions, Phone: 406-841-2920.
NebraskaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Nebraska holds a Mortgage Banker License, OTN #2 licensed by the Nebraska Department of Banking and Finance, Phone: 402-471-2171.
New JerseyHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in New Jersey holds a Residential Mortgage Lender License licensed by the New Jersey Department of Banking and Insurance, Phone: 609-292-7272.
New MexicoHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in New Mexico holds Mortgage Loan Company License licensed by the New Mexico Financial Institutions Division, Phone: 505-476-4189.
North CarolinaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in North Carolina holds a Mortgage Lender License (#L-174935) licensed by the North Carolina Commissioner of Banks Office, Phone: 919-733-3016.
North DakotaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in North Dakota holds a Money Broker License (# MB103218) licensed by Department of Financial Institutions, Consumer Division, Phone: 701-328-9933.
New HampshireHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in New Hampshire holds a Mortgage Banker License (#22027-MB) licensed by the New Hampshire Banking Department, Phone: 603-271-3561.
NevadaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Nevada holds a Mortgage Company License (#5429) licensed by the Nevada Division of Mortgage Lending, Phone:  775-684-7060.
OhioHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Ohio holds an approved license through the Ohio Residential Mortgage Lending Act Certificate of Registration. Phone: 614-644-6484
OklahomaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Oklahoma holds a Oklahoma Mortgage Lender License (#ML011469), licensed by the Oklahoma Department of Consumer Credit Lending, Phone: 405-521-3653. OTN #1 MLO-14156
OregonHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Oregon holds a Mortgage Lending License(#ML-5474) licensed by Division of Finance Corporate Securities, Phone: 503-378-4140. Mortgage Servicer License # 1165808.
PennsylvaniaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Pennsylvania holds a Mortgage Lender License (#61262), licensed by the Pennsylvania Department of Banking and Securities, Phone: 717-787-3717. Mortgage Servicer License #79556
Rhode IslandHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Rhode Island holds a Rhode Island Lender License (#20183586LL ) licensed by the Rhode Island Department of Business Regulation, Phone: (401) 462-9503.
South CarolinaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in South Carolina holds a South Carolina BFI Mortgage Lender / Servicer License (#MLS-1165808), licensed by the South Carolina Board of Financial Institutions, Phone: 803-734-2020.
South DakotaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in South Dakota holds a Mortgage Lender License (#ML.05182) licensed by the South Dakota Division of Banking, Phone: 605-773-3421.
TennesseeHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Tennessee holds a Mortgage License (#134720), licensed by the Tennessee Department of Financial Institutions, Phone: 615-253-6714.
TexasHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Texas holds a SML Mortgage Company License and SML Mortgage Loan Servicer Registration, licensed by the Texas Department of Savings and Mortgage Lending, Phone: 512-475-1350. Click to read recovery fund notice.
VirginiaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Virginia holds a Lender License (#MC-6747) and Mortgage Broker #ML-6747 licensed by the Virginia Bureau of Financial Institutions, Corporate Structure, Phone: (804) 371-9657.
WashingtonHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Washington holds a Consumer Loan Company License (#CL-1165808) licensed by the Washington Department of Financial Institutions, Division of Consumer Services, Phone: 360-902-8703.
West VirginiaHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) Mortgage Lender License (#37887) Phone: 304-558-2294.
WisconsinHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Wisconsin holds a Wisconsin Mortgage Banker License and (#1165808BA) licensed by the Wisconsin Department of Financial Institutions, Division of Banking, Phone: 360-902-8703. Mortgage Broker #1165808BR
WyomingHome Mortgage Alliance Corporation (HMAC), (NMLS ID 1165808) in Wyoming holds a Mortgage Lender/Broker License (#3115) licensed by the Wyoming Division of Banking, Phone: 307-777-6483.

HMAC is growing! We are in the process of being licensed in the following states:

New YorkComing Soon
UtahComing Soon
VermontComing Soon

Last Edited on 2023-04-27

Terms of Use

GENERAL

These Terms of Use, and our Privacy Policy, as each is amended from time to time, apply to you when you view, access or otherwise use the web site located at www.justfundedmortgage.com (the “Website”). The Website is owned by Just Funded Mortgage, which is headquartered in Orange, CA. For the purposes of these Terms of Use, the terms “we,” “us” and “our” refer to JUST FUNDED MORTGAGE and “you” or “your” refer to a user of this Website. (a) Only authorized users who have entered into a separate license agreement with JUST FUNDED MORTGAGE may use our products and services. These Terms of Use (“Terms”) govern your use of the Website only, but do not authorize you to access or use our proprietary mortgage industry software. If you are interested in requesting a demo of our proprietary software, please contact us. All site visitors are subject to these Terms of Use and must be over the age of 18. By accessing or using the Website, you are acknowledging that you are over 18 years of age, and that you have read, understand and agree without limitation or qualification to be bound by these Terms. If you do not agree with these Terms or are not over the age of 18, you do not have the right to access or otherwise use the Website and, accordingly, you should not do so. JUST FUNDED MORTGAGE reserves the right to modify these Terms from time to time without notice.

PRIVACY POLICY

In addition to these Terms, your use of and access to the Website is also subject to our Privacy Policy, which is incorporated by reference herein. Our Privacy Policy contains additional terms relating to our potential collection, use and disclosure of your personal information as a site visitor. You agree that you have read, agreed to and understand JUST FUNDED MORTGAGE’s complete Privacy Policy.

DISCLAIMER OF WARRANTY,

LIMITATION OF LIABILITY AND INDEMNIFICATION

(a) No Warranty. THE WEBSITE MAY CONTAIN ERRORS AND DEFECTS OR MAY SUFFER INTERMITTENT DOWNTIME AND IS PROVIDED “AS IS”, “AS-AVAILABLE”, WITH ALL FAULTS AND WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, JUST FUNDED MORTGAGE AND ITS OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS (COLLECTIVELY REFERRED TO AS “JUST FUNDED MORTGAGE” FOR THE PURPOSES OF THIS SECTION) HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH RESPECT TO THE WEBSITE, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES AND/OR CONDITIONS OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, THAT THE WEBSITE WILL BE UNINTERRUPTED, VIRUS-FREE OR ERROR FREE, THAT THE WEBSITE AND OUR SERVERS ARE SECURE, OR AS TO THE ACCURACY, RELIABILITY, QUALITY OR CONTENT OF ANY INFORMATION, SERVICE OR PRODUCT PROVIDED ON OR THROUGH THE WEBSITE, AS WELL AS ANY WARRANTIES THAT MAY ARISE FROM COURSE OF DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE; PROVIDED THAT THIS SECTION SHALL NOT OPERATE TO EXCLUDE OR DISCLAIM THOSE WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THESE TERMS OF USE. USE OF THE WEBSITE IS AT YOUR OWN RISK. YOU ASSUME FULL RESPONSIBILITY AND RISK OF LOSS RESULTING FROM YOUR DOWNLOADING AND/OR USE OF ANY INFORMATION, CONTENT OR SERVICES ACCESSED THROUGH OR OBTAINED BY MEANS OF THE WEBSITE. (b) Limitation of Liability. JUST FUNDED MORTGAGE SHALL NOT BE LIABLE TO YOU FOR PERSONAL INJURY, OR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES (INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OR INTERRUPTION OF BUSINESS, LOSS OF DATA, LOSS OF GOODWILL OR LOST PROFITS), UNDER ANY THEORY OF LIABILITY, INCLUDING WITHOUT LIMITATION CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY ARISING OUT OF OR RELATING IN ANY WAY TO THESE TERMS OF USE, EVEN IF JUST FUNDED MORTGAGE HAS BEEN ADVISED OF THE RISK OF SUCH DAMAGES.

 

Because some states or jurisdictions do not allow certain exclusions or limitations of liability, in such states or jurisdictions the above limitations and exclusions may not apply to you. In such states or jurisdictions, JUST FUNDED MORTGAGE’s liability is limited to the extent permitted by law, thereby minimizing JUST FUNDED MORTGAGE’s liability to you to the lowest amount permitted by applicable law. (c) Indemnification. You agree to defend, indemnify and hold JUST FUNDED MORTGAGE harmless from and against any liability, loss, damages or costs, including reasonable attorneys’ fees, resulting from any third party claim, action, or demand based on or arising out of: (i) your use of or access to the Website or products or services hosted thereon; (ii) your violation of any third party proprietary or other rights; (iii) your breach of these Terms of Use; or (iv) your use of software robots, spiders, crawlers, or similar data gathering and extraction tools, or any other action you take that imposes an unreasonable burden or load on JUST FUNDED MORTGAGE’s infrastructure. You shall not settle any such claim, action or demand unless such settlement completely and forever releases JUST FUNDED MORTGAGE from all liability with respect to such claim or unless JUST FUNDED MORTGAGE consents to such settlement in writing (which consent shall not be unreasonably withheld).

GOVERNING LAW; DISPUTE RESOLUTION


(a) Dispute Resolution. You and JUST FUNDED MORTGAGE agree that we will first attempt to resolve any legal or equitable claim relating to these Terms of Use (referred to as “Claim”) informally. Accordingly, neither of us may start a formal proceeding (except for Claims involving any violation of the federal trademark or copyright laws, or for injunctive relief) for at least thirty (30) days after one of us notifies the other of a Claim in writing. JUST FUNDED MORTGAGE will use commercially reasonable efforts to send its written notice by first class mail, return receipt requested, or national overnight courier to your billing address, if available, with a copy via email to your email address. If JUST FUNDED MORTGAGE does not have a contact method for you or cannot obtain one with reasonable commercial efforts, you acknowledge and agree that JUST FUNDED MORTGAGE may pursue Claims against you as a “John Doe” defendant and employ legal processes to obtain your identity. You will send your written notice by first class mail, return receipt requested, or national overnight courier to Just Funded Mortgage, 4 Hutton Centre Drive, Suite 500, Santa Ana, CA 92707. If we cannot resolve a Claim informally, you and JUST FUNDED MORTGAGE each agree to submit to personal jurisdiction in Orange California and agree that any and all Claims either of us asserts shall be exclusively brought in the appropriate state or federal court in Orange, California, provided that neither you nor JUST FUNDED MORTGAGE shall be precluded from filing a Claim in small claims court for disputes within the small claims court jurisdictional level. (b) Governing Law and Attorney’s Fees. This Agreement is governed in all respects by the substantive laws of the State of California, without regard to its conflict of law rules, and of the United States of America. The UN Convention on Contracts for the International Sale of Goods is expressly disclaimed. The Website is intended for and directed to residents of the United States and all information, advertising and claims contained on the Website are valid in and applicable only to the United States. If any action at law or in equity is necessary to enforce these Terms, the prevailing party shall be entitled to reimbursement from the other party for its expenses and reasonable attorneys’ fees associated with the action, in addition to any other relief to which such prevailing party may be entitled.

MISCELLANEOUS

(a) Suggestions and Feedback. JUST FUNDED MORTGAGE welcomes feedback or inquiries about our products. If you elect to provide any feedback or comments of any nature to JUST FUNDED MORTGAGE, all of such feedback and comments shall be the sole and exclusive property of JUST FUNDED MORTGAGE, and JUST FUNDED MORTGAGE shall have the right to use such feedback in any manner and for any purpose in JUST FUNDED MORTGAGE’s discretion without remuneration, compensation or attribution to you, provided that JUST FUNDED MORTGAGE is under no obligation to use such feedback.

(b) Interpretation, Assignment and Entire Agreement. These Terms of Use, together with our Privacy Policy, form the complete and exclusive agreement between you and JUST FUNDED MORTGAGE relating to the Website (excluding any use of the JUST FUNDED MORTGAGE Services, which are governed by a Master Agreement), and they supersede all prior or contemporaneous proposals, oral or written, understandings, representations, conditions, warranties and all other communications between you and JUST FUNDED MORTGAGE. These Terms of Use, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by JUST FUNDED MORTGAGE without restriction. Subject to the JUST FUNDED MORTGAGE modification rights set above, no amendment of any provision of these Terms of Use shall be effective unless set forth in a writing signed by you and a representative of JUST FUNDED MORTGAGE, and then only to the extent specifically set forth therein. These Terms of Use may not be explained or supplemented by any prior course of dealings or trade by custom or usage. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. If any provision of these Terms of Use shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions.

(c) Contact Us. If you have any questions, comments or concerns regarding these Terms of Use and/or the Website, please send an email to: info@justfundedmortgage.com. Please note that communications made through e-mail or the Website’s messaging systems shall not be deemed to constitute legal notice to JUST FUNDED MORTGAGE or any of its officers, employees, agents or representatives. You may provide legal notice to JUST FUNDED MORTGAGE in writing by first class mail, return receipt requested, or national overnight courier, at: Attn: Legal Department – Just Funded Mortgage 4 Hutton Centre Drive, Suite 500, Santa Ana, CA 92707.

Last Edited on 2023-04-27

Mortgage Disclosures

In accordance with state and federal regulations, the following disclosure and licensing information are available for you to review online:

• Loan Assumptions
• No Closing Costs
• Equal Housing Lender
• Fair Lending Policy
• The Housing Financial Discrimination Act of 1977, California Fair Lending Notice
• Important Information about Procedures for Obtaining a Mortgage Loan

Loan Assumptions:

• 30 Year Fixed – First Mortgage.
Disclosed rate assumes a $400,000 rate and term refinance loan on an owner-occupied single-family residence in California, minimum 740 FICO credit score, 60% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify.

• 15 Year Fixed – First Mortgage.
Disclosed rate assumes a $400,000 rate and term refinance loan on an owner-occupied single-family residence in California, minimum 740 FICO credit score, 60% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify.

• 10 Year Fixed – First Mortgage.
Disclosed rate assumes a $400,000 rate and term refinance loan on an owner-occupied single-family residence in California, minimum 740 FICO credit score, 60% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify.

• 15 and 30 Year Fixed $726,201 to $1,089,300 – First Mortgage.
Disclosed rate assumes a $800,000 rate and term refinance loan on an owner-occupied single-family residence in California, minimum 740 FICO credit score, 60% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify.

• 30 Year Fixed – First Mortgage. Business Bank Statements (24 months).
Disclosed rate assumes a $400,000 rate and term refinance loan on an owner-occupied single-family residence in California, minimum 780 FICO credit score, 50% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify.

• 30 Year Fixed – First Mortgage. Debt Service Coverage Ratio (DSCR).
Disclosed rate assumes a $400,000 rate and term refinance loan on an owner-occupied single-family residence in California, minimum 780 FICO credit score, 50% loan to value with no subordinate debt. If these factors are not met, you may still qualify. Subject to underwriting approval. Not all applicants will qualify.

• Home Equity Line of Credit (HELOC)
Variable APR and Terms are based on a FICO score of at least 780, 60% Loan To Value (LTV), primary home, with a line amount of $200,000. Your APR may be higher and will be based on the current variable index value, your credit qualifications, the amount of the line, loan to value, type of property, and occupancy type. 10- Year Initial Interest Only Draw Period with a 20 year fully amortizing repayment period. Max lifetime Cap is 18% unless prohibited by law. The lifetime Floor is lower than Initial Interest Rate or 4%. Minimum Draw of $50,000 with a Maximum Line Amount of $500,000. Subject to underwriting approval. Not all applicants will qualify.

• Home Equity Loan (HELOAN)
Fixed APR and Terms are based on a FICO score of at least 780, 60% Loan to Value (LTV), primary home, with a loan amount of $200,000. Your APR may be higher and will be based on your credit qualifications, the amount of the loan, loan to value, type of property, and occupancy type. Some products may not be available in all states.  Subject to underwriting approval. Not all applicants will qualify.

Rates, loan products & fees are subject to change without notice. Your rate and term may vary. If you do not lock in a rate when you apply, your rate at closing may differ from the rate in effect when you applied. Subject to underwriting approval. Not all applicants will be approved. Full documentation & property insurance are required. Loan secured by a lien against your property. Consolidating or refinancing debts may increase the time and/or the finance charges/total loan amount needed to repay your debt. Terms, conditions & restrictions apply. Call for details.

No Closing Costs

Are available on rate/term and limited cash out refinance transactions only. Just Funded Mortgage will pay the following third party closing costs on behalf of the Borrower: appraisal fees, credit report fees, flood certification fees, escrow/closing fees, signing fees, and title insurance fees (lenders policy and endorsements). The Borrower is responsible for paying: prepaid interest, property taxes, state mortgage/transfer taxes, all types of insurance, existing lender payoff fees, survey fees, inspection fees, and discount points (if the Borrower chooses to pay discount points to buy down the interest rate). The minimum loan amount is $300,000.

Equal Housing Lender

We conduct business in accordance with the Federal Fair Housing Law (Fair Housing Amendments Act of 1988). It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, or national origin:

• In the sale or rental of housing
• In advertising the sale or rental of housing
• In the financing of housing
• In the provision of real estate brokerage service
• In the appraisal of housing
• Blockbusting is also illegal

Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination:
1-800-669-9777(toll free), or 1-800-927-9275 (TDD), or send to:

Office of Fair Housing and Equal Opportunity
Department of Housing and Urban Development
Room 5204
451 Seventh St. SW
Washington, DC 20410-2000

Or online: http://portal.hud.gov/hudportal/HUD?src=/program_offices/fair_housing_equal_opp/online-complaint

It is our policy to comply with the Equal Credit Opportunity Act and the Fair Housing Act. In addition, it is our policy to comply with state laws that provide greater protection. Just Funded Mortgage does not discriminate against any applicant based on race; color; religion; creed; national origin; ancestry; sex; marital status; familial status (number and age of children); sexual orientation; or age (provided that the applicant can enter into a binding agreement); medical history; disability; physical condition; military status; because the applicant has in good faith exercised any right under the Consumer Credit Protection Act or the Service members Civil Relief Act (SCRA); that all or part of a consumer’s income derives from a public assistance program; or any other basis prohibited by law.

At Just Funded Mortgage, we do not discriminate against any applicant or discourage anyone on a prohibited basis from applying. To assure that our employees have an unequivocal statement of our commitment to a nondiscriminatory method of doing business, we have adopted the following fair lending policy. Employees must be thoroughly familiar with this policy and follow it.

• We do not discriminate against a loan applicant or borrower based on race, color, religion, national origin, sexual orientation, handicap, age, the fact that all or part of an applicant’s income comes from any public assistance program or because the applicant has exercised any right under any relevant state or federal law.
• We do not selectively encourage applicants and we take no action that would, on a prohibited basis, discourage a reasonable person from applying for a mortgage loan.
• We do not, on a prohibited basis, refuse to make a loan, vary the terms offered including the amount, interest rate, period, or type of loan, or use different standards to evaluate collateral or decide whether to extend credit.
• We avoid practices or policies that have a discriminatory effect. This rule applies to all phases of our mortgage lending business. It applies even though we do not intend the policy or practice to be discriminatory and even if the policy or practice appears to be neutral.
• We have adopted nondiscriminatory loan underwriting standards that avoid subjective, unwritten rules that can have a discriminatory effect. We make these underwriting standards public upon request at each of our offices.
• We make sure that our scoring system is empirically derived and statistically sound and uses no prohibited basis other than age as a predictive factor.
• We train our loan personnel in the principles of fair processing and underwriting.
• Our Quality Control Manager regularly reviews both our loan underwriting standards and the business practices by which we implement them to determine whether they ensure equal lending opportunity and reports to management.
• We periodically review our loan portfolio and applications to make sure that we are serving the community adequately and on a nondiscriminatory basis in light of the community’s demographic characteristics and credit demands.
• We conspicuously display the poster in a public area of each of our facilities stating that we are ascribing to the Equal Housing Act. Additionally, on all forms of advertisements, regardless of media, we include the Equal Housing Opportunity logo and/or the Equal Housing Opportunity slogan.

The Housing Financial Discrimination Act of 1977, California Fair Lending Notice

It is illegal to discriminate in the provision of or the availability of financial assistance because of the consideration of:

Trends, characteristics, or conditions in the neighborhood or geographic area surrounding a housing accommodation, unless the financial institution can demonstrate in the particular case that such consideration is required to avoid an unsafe and unsound business practice. Race, color, religion, sex, marital status, national origin, or ancestry.

It is illegal to consider the racial, ethnic, religious, or national origin composition of a neighborhood or geographic area surrounding a housing accommodation, or whether or not such composition is undergoing change, or is expected to change, in appraising a housing accommodation or in determining whether or not, and under what terms and conditions, to provide financial assistance. These provisions govern financial assistance for the purchase, construction, rehabilitation, or refinancing of one- to four-unit family residences occupied by the owner and for the home improvement of any one to four-unit family residence.

If you have any questions about your rights, or if you wish to file a complaint, contact the management of this financial institution or:

• 1350 Front Street, Suite 3064. San Diego, CA 92101-3687
• 1515 Clay Street, Suite 702. Oakland, CA 94612-1462
• 2550 Mariposa Mall, Suite 3070. Fresno, CA 93721-2273
• 320 W. 4th Street, Suite 350. Los Angeles, CA 90013-1105
• 1651 Exposition Boulevard. Sacramento, CA 95815 P.O Box 137000 (mailing address)
• Sacramento, CA 95813-7000

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OBTAINING A MORTGAGE LOAN

To help us prevent fraud and to assist the government in fighting the funding of terrorism and money laundering activities, we are obtaining, verifying, and recording information that identifies each person who applies for and/or obtains a mortgage loan. What this means for you: When you apply for and/or obtain a mortgage loan, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

 Last Edited on 2023-04-27

Privacy Policy

Privacy Policy

Overall Privacy Disclosure Opt / Out Notice

This privacy policy has been compiled to better serve those who are concerned with how their ‘Personally Identifiable Information (PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information by our website.

What personal information do we collect from the people that visit our blog, website, or app?

When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, mailing address, phone number, or other details to help you with your experience.

When do we collect information?

We collect information from you when you fill out a form or enter information on our site.

How do we use your information?

We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:

  • To quickly process your transactions.
  • To follow up with them after correspondence (live chat, email, or phone inquiries)
 

How do we protect your information?

We do not use vulnerability scanning and/or scanning to PCI standards. We only provide articles and information. We never ask for credit card numbers. We use regular Malware Scanning.

Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.

We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information.

All transactions are processed through a gateway provider and are not stored or processed on our servers.

Do we use ‘cookies’?

Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

We use cookies to:

  •  Understand and save user’s preferences for future visits.
  • Compile aggregate data about site traffic and site interactions to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf. 

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since the browser is a little different, look at your browser’s Help Menu to learn the correct way to modify your cookies.

If you turn cookies off, some of the features that make your site experience more efficient may not function properly. It won’t affect the user’s experience which makes your site experience more efficient and may not function properly.

Third-party disclosures

We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when its release is appropriate to comply with the law, enforce our site policies, or protect our or others’ rights, property, or safety.

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third-party links

Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We, therefore, have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Google

Google’s advertising requirements can be summed up by Google’s Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en

We have not enabled Google AdSense on our site, but we may do so in the future.

California Online Privacy Protection Act

CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. – See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf

According to CalOPPA, we agree to the following:

  • Users can visit our site anonymously.
  • Once this privacy policy is created, we will add a link to it on our home page or as a minimum, on the first significant page after entering our website.
  • Our Privacy Policy link includes the word ‘Privacy’ and can easily be found on the page specified above.
  • You will be notified of any Privacy Policy changes:
    • On our Privacy Policy Page
  • Can change your personal information:
    • By logging in to your account
 

How does our site handle Do Not Track signals?

We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.

Does our site allow third-party behavioral tracking?

It’s also important to note that we do not allow third-party behavioral tracking

COPPA (Children Online Privacy Protection Act)

When it comes to the collection of personal information from children under the age of 13 years old, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States’ consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.

We do not specifically market to children under the age of 13 years old. Do we let third parties, including ad networks or plug-ins, collect PII from children under 13? No.

Fair Information Practices

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

To be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:

  • We will notify you via email within 7 business days
  • We will notify the users via in-site notification within 7 business days
 

We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only those individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.

CAN SPAM Act

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address to:

  • Send information, respond to inquiries, and/or other requests or questions to be in accordance with CANSPAM, we agree to the following:
  • Do not use false or misleading subjects or email addresses.
  • Identify the message as an advertisement in some reasonable way.
  • Include the physical address of our business or site headquarters.
  • Monitor third-party email marketing services for compliance, if one is used.
  • Honor opt-out/unsubscribe requests quickly.
  • Allow users to unsubscribe by using the link at the bottom of each email.
 

If at any time you would like to unsubscribe from receiving future emails, you can email us at info@justfundedmortgage.com and we will promptly remove you from ALL correspondence.

Contacting Us

If there are any questions regarding this privacy policy, you may contact us using the information below.

Just Funded Mortgage
333 City Blvd West 17th Floor
Orange, CA  92868
info@justfundedmortgage.com
833-888-3863

Last Edited on 2023-04-27