“Every borrower deserves a path to homeownership. We just have to know how to read their story.” 

Christina Pham is President and a senior Non-QM leader at JMAC Lending — a company celebrating 30 years in the mortgage industry and built around a conviction that great Non-QM lending requires both innovation and integrity. JMAC has consistently moved toward Non-QM, doubling down on the products, technology, and training that help their clients serve a growing universe of non-traditional borrowers.

From helping build JMAC’s first DSCR product to overseeing the Non-QM pipeline today, she’s been at the table for the decisions that shaped JMAC’s position as a leading Non-QM wholesale lender. For her, the work has always been personal: Non-QM is how you reach the self-employed business owner, the 1099 contractor, the real estate investor, and the borrower whose income is real but whose paperwork doesn’t fit a standard template.

That sense of mission runs through everything on her team. JMAC’s upcoming AUS engine for Non-QM — paired with an AI-powered analyzer tool — is designed to put that expertise in the hands of their clients, giving them the confidence to originate Non-QM deals they might have otherwise passed on. It’s a vision for the future of Non-QM that Christina sums up simply: make it easier  to reach the right borrowers, and the whole industry benefits.
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Employment trends are changing. More people are self-employed, contract-based, or running their own businesses. That’s not a red flag. That’s the future of the workforce, and our industry has to keep up.”

– Christina Pham, JMAC, President

That commitment to innovation and knowledge extends to the partners JMAC chooses to work with. Having a correspondent partner with the same focuses are essential.  For eRESI, being that partner and supporting JMAC through their success is exactly why we love working with our partners.

Non-QM Heroes don’t just close loans. They change the conversation about who belongs in a home. Christina Pham has spent her career doing exactly that — building programs, raising the bar on quality, and making sure everyone on her team can walk into a client meeting and talk about Non-QM with confidence. That’s the EDGE. That’s the work we celebrate.

Ready to bring the EDGE to your Non-QM business? Partner with eRESI and find out why our heroes trust us to help them close more.