Same login as the Condo Tracker. Need access? Reach out to Tony.
My Home-e
Welcome to My Home-e
Your underwriting & agency guideline assistant for JMJ Financial Group. Ask about Conventional, FHA, VA, Jumbo, Non-QM, agency matrices, or run the income calculator.
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Investor Series Overlays
These further-restrict JMJ base guidelines. Identity hidden — Series label only.
JMJ base guides→Series matrix (FICO/LTV)→Investor overlaymost restrictive controls
AMI & Income Limit Lookup
Fannie Mae Income Limits API — HomeReady, Duty to Serve & Very Low Income limits by address
Income Limits —
HomeReady Limit (80% AMI)
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Annual household income
Duty to Serve Limit
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Annual household income
Very Low Income Limit
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Annual household income
Census Tract (FIPS): —
Income Calculator
Calculate qualifying income, max DTI payment, and max purchase price
Pay type:
YTD + 2-yr breakdown →
ℹ️ OT/Bonus/Commission with <12 months history will be flagged — use the YTD breakdown tool for accurate averaging
Follows Fannie Mae Form 1038 — use Schedule E (Step 2A) OR Lease/1007/1025 (Step 2B), not both
YTD paystub + prior 2 years W2 — Base, OT, Bonus, Commission & Other
ℹ️ Applying this breakdown will replace any base salary entered on the main tab. For variable income (OT, Bonus, Commission), the lower of YTD pace vs W2 history is used automatically.
Income Type
YTD Amount
YTD Months
Current Yr W2
Prior Yr W2
Qualifying/mo
Total Qualifying Monthly Income
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Saved Scenarios & Income
Your saved work — accessible from any device
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Scenario Mode
Enter your borrower details and get instant program recommendations