Direct Lending Made Easy: Find the Perfect Loan Product, Whoever Your Borrower Is

Here at Just Funded Mortgage, we acknowledge that speed and convenience are the key to a satisfactory loan service experience. Browse through our extensive loan products with prompt turn times and client-first company value, so that you can close escrows and welcome borrowers into their new home faster. Direct lending has never been simpler!

Conventional Fannie Mae

  • Minimum FICO credit score: 620
  • Fannie Mae
  • Standard and High Balance
  • HomeReady

Conventional Freddie Mac

  • Minimum FiCO credit score: 620
  • Freddie Mac
  • Standard and High Balance
  • HomePossible


  • Minimum FICO credit score: 500 AUS approved
  • Cash-out up to 100% LTV
  • Foreclosure/Short Sale/Bankruptcy less than 2 years with AUS Approval


  • Minimum FICO credit score: 500 AUS approved
  • Accepting Non-Credit Qualifying Streamline refinance programs
  • Use gift funds for down payment and closing fees
  • Cash Out 80% LTV


  • Minimum FICO credit score:  620 AUS approved
  • LTV up to 95%
  • DTI up to 50%
  • Adjustable Rate Home Equity Line of Credit
  • Purchase (or) Refinance Piggyback and Standalone Transactions
  • Fixed Rate fully amortizing loan up to 30-Year Term

Investor Alternative Documentation Programs

Alternative Documentation Owner Occupied Programs

ITIN Prime

  • LTV up to 80%
  • DTI up to 50%
  • 12-month Income Documentation
  • Accepting Most Property Types
  • Gift Funds Option
  • No Visa Requirements
  • Valid ID
  • Other Program Requirements Apply
  • Cash-Out Refinance Available up to 75%*

*Not available in TX or FICO less than 650