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Your California Mortgage Specialist.


At JLowe Loans, we offer unique mortgage products for borrowers of all types. Our experienced agents will guide you through the process of obtaining a mortgage, and help you find the best deal that suits your needs.



Use our mortgage calculator to estimate your monthly payments and find the mortgage that fits your budget.

Schedule a free consultation with one of our experienced loan officers to discuss your mortgage needs and find the right product for you.

Our loan officers are knowledgeable about the mortgage industry and can provide you with expert advice to help you make informed decisions about your mortgage.

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Featured Loan Products

At JLowe Loans, we offer a wide range of mortgage products to suit every need. Our competitive rates combined with our personalized approach ensure that you get a mortgage solution that is tailored to your unique circumstances. Whether you’re a first-time homebuyer or a seasoned investor, we have the right mortgage product for you.


Non-QM Portfolio Lending


Community Mortgage

  • 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


Investor Program (DSCR)

  • 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!

  • 80% Loan to Value – Purchase / Rate & Term

  • 75% Loan to Value – Cash Out


Alt-Doc Program

  • FICO 660+

  • No Income qualifying required

  • Loan amounts to $3MM (Based on FICO & Reserves)

  • Loan to Value to 80% – Purchase / Rate & Term

  • Loan to Value to 70% – 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)

  • FICO 660+

  • Loan Amount to $3MM (Based on FICO & Reserves)

  • Debt to Income to 50% (See matrices for add’l restrictions)

  • Loan to Value to 90% – 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


Stated Income HELOC

  • FICO 680+

  • Loan Amount to $250,000 (Based on FICO & Reserves)

  • Combined Loan to Value to 60%

  • No Prepayment Penalty

  • Primary Homes


Founded by Jennifer Lowe

Jennifer has expertise in all types of loan programs. She prides herself on providing her clients with lending solutions tailored to meet their unique needs while taking into account their complete financial picture. As a result of her business acumen, she has been a member of the President’s Club of top producers.

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Emmanuel Lubezki and Lauren Strogoff 

“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 is our third experience working with Jennifer and she is simply the best!"


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