This contains ready-to-use prompt templates for the JMAC AI Scenario Desk. Copy, customize, and send. The more detail you include, the better the answer. These prompts are based on real questions from JMAC employees.
Top 10 Prompt Templates
1. Condition & Approval Review (with PDF)
Use when: You have a loan approval and want help understanding or clearing conditions.
This is an approved loan with JMAC. [Attach the approval PDF]. Help me understand the conditions — which ones are standard, which need borrower action, and what's the fastest path to clear them?
Example:
This is an approved loan with JMAC. [PDF attached]. Can we waive the large deposit condition for the $4,500 deposit? It came from a documented source.
2. Quick Eligibility Check
Use when: A broker calls with a deal and you need a fast yes/no.
Can JMAC do a [loan type] [purpose] on a [property type] at [LTV]% LTV with a [FICO] FICO?
Example:
Can JMAC do an FHA cash-out refi on a manufactured home at 85% LTV with a 620 FICO?
3. Full Loan Scenario
Use when: You have all the deal details and want a complete product recommendation.
Scenario: [FICO] FICO, [purpose] on a [property type], [occupancy]. Loan amount [amount],
property value [value], LTV [X]%. Income type: [W-2 / bank statement / DSCR / etc]. [Any
special circumstances]. What products work and what's the max LTV on each?
Example:
Scenario: 720 FICO, purchase on a 2-unit property, owner-occupied. Loan amount $650K,
property value $850K, LTV 76%. Income: 24-month bank statements, self-employed borrower.
What products work and what's the max LTV on each?
4. Max LTV Lookup
Use when: You know the product and need the LTV ceiling.
What is the maximum LTV for [product] on a [property type], [purpose], with a [FICO] FICO?
Example:
What is the maximum LTV for Venice DSCR on a condo, cash-out refinance, with a 700 FICO?
5. Credit Event Seasoning
Use when: The borrower has a bankruptcy, foreclosure, short sale, or derogatory event.
What is the [credit event] seasoning requirement for [product]? Borrower was
[discharged/completed] [X] months ago. [Purpose], [FICO], [LTV].
Example:
What is the bankruptcy seasoning requirement for Balboa? Borrower was discharged 30
months ago. Purchase, 680 FICO, 75% LTV.
6. Income Documentation Rules
Use when: You need to know how a specific income type is calculated or documented.
How does JMAC calculate [income type] on a [loan type] loan? What documentation is
required?
Example:
How does JMAC calculate rental income from Schedule E on a VA loan? Borrower has 4
rental properties, three are showing repairs on the Sch E — can I add that as a one-time
expense for rental income?
7. Foreign National / ITIN Eligibility
Use when: Your borrower is a foreign national or ITIN borrower.
Does [product] allow [foreign national / ITIN] borrowers? [FICO if applicable], [LTV], [purpose],
[property type]. Any specific forms or documentation required?
Example:
Does Newport DSCR require credit for foreign nationals? Borrower has no FICO, wants to put
20% down on a $2M non-owner-occupied purchase.
8. Cash-Out vs. Rate-and-Term Classification
Use when: You're unsure how a refinance transaction will be classified.
On [product], if the borrower [describe the transaction — paying off a second, taking cash to
pay off a partner, etc.], is this considered cash-out or rate-and-term? What's the seasoning
requirement?
Example:
On a conventional mortgage, if the borrower is paying off a purchase money first and second
through escrow, is this considered cash-out or rate-and-term?
9. Product Comparison
Use when: You want to see multiple options side by side.
Compare options for: [FICO], [purpose], [property type], [occupancy], loan amount [X], value
[Y]. What products fit across conforming, government, and non-QM? Show max LTV for each.
Example:
Compare options for: 640 FICO, purchase, SFR, owner-occupied, loan amount $400K, value
$420K. Borrower had a short sale 4 years ago. What products fit across conforming, FHA, and
non-QM?
10. Non-QM Program Guidelines
Use when: You need the full rundown on a specific non-QM program.
What are the guidelines for the [VOE / bank statement / P&L / asset depletion] program on
[product]? Min FICO, max LTV, eligible property types, and documentation requirements.
Example:
What are the guidelines for the VOE-only program on Zuma? Min FICO, max LTV, eligible
property types, and documentation requirements.
Quick Reference: What to Include
The more of these details you provide, the more specific and useful the answer will be:
Detail |
Why It Matters |
Loan type (FHA, Conv, VA, DSCR, etc.) |
Each product has different guidelines |
Purpose (purchase, rate-and-term refi, cash-out) |
Drives LTV limits and seasoning rules |
FICO score |
Determines eligibility tiers and LTV caps |
LTV / loan amount / value |
Critical for product fit |
Property type (SFR, condo, 2-4 unit, manufactured) |
Some products exclude certain property types |
Occupancy (owner-occ, second home, investment) |
Affects product eligibility and LTV |
Income type (W-2, self-employed, bank stmt, DSCR) |
Determines which programs qualify |
Citizenship (US citizen, permanent resident, FN, ITIN) |
Required for non-QM and some government programs |
Credit events (BK, foreclosure, short sale + timing) |
Seasoning rules vary by product |
First-time Homebuyer |
Some programs just for them |
Pro Tips from Power Users
- Name the product if you have one in mind. "FHA purchase at 96.5%" beats "government loan" every time.
- Ask follow-ups in the same chat. The Scenario Desk remembers context within a conversation — so after your first question, you can say "What about on Balboa instead?" without re-stating everything.
- Attach documents. You can upload approval letters, suspense lists, or anti-steering forms and ask the Desk to review them.
- Ask for comparisons. "What are my options across conforming, government, and non-QM?" is one of the most powerful questions you can ask.
- Don't be afraid of complex scenarios. The Desk handles multi-factor questions well — the more detail, the better.
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