Borrowers

Our methodology is simple: we don’t make promises we can’t keep.

We provide excellent communication, high-quality service, and impeccable follow through with every client. And we do all of this while still keeping our rates competitive. 

JMJ Financial focuses on quality...never quantity. As a direct lender, we service every step of the loan process in house — from origination, property appraisals, to underwriting, to closing, to property appraisals, and more. This gives us the ability to stay on top of your application and allows for excellent communication with you throughout each step of the loan process. An answer to your question is only a few short steps down the hall! 

With other lenders, your application may take a trip around the nation – going to the processing department, then across the country to the underwriter, and then making its way across town to the appraiser...and then finally back to your loan officer — only to find that it wasn’t approved due to something that wasn’t properly addressed in the application from the start. 

JMJ Financial services every piece of the loan process directly — so your application is handled efficiently and thoroughly from the beginning. This gives us the flexibility and speed to meet your deadlines. We can reduce your loan and appraisal contingency to 7 days...

We can close your loan start to finish inside 14 days all with daily communication and interaction with your loan liaison and loan officer. Having a contract that can close quicker than other buyers can makes your offer look more attractive to the seller ...potentially moving you to the front of the line when a seller receives multiple offers.

So you may wonder how it is that we’re able to close so many loans...even after others have failed. We believe that by intricately knowing the ins and outs of our business, asking the right questions, and taking time to dig deep and understand your situation and needs, we’re able to work “smarter” than most “big box” lenders. When others give up or can’t find a solution, you can rest assured that we’ll keep digging until we exhaust every possibility. Remember...quality, not quantity. You’ll never be “just another number” at JMJ Financial. 

Our name and reputation are important – it’s how we’ve successfully helped clients like you for more than two decades. We go the extra mile because your satisfaction is our priority!



Find out how much you can afford

The following online calculators serve as a helpful tools during the mortgage process.


Working hard for you as a leader in lending since 1992!

Smart. Adaptive. Innovative.

Since we first opened our doors in March of 1992, JMJ Financial Group has been changing people’s perspectives on the loan process...one client at a time. Over 2 decades of experience along with our expanded lending ability continue to help make the dreams of homeownership a reality for our clients. 

We’re a full-service, customer-centric, equity mortgage lender. We are also an approved FHA, VA and Conventional Direct Lender. These vast resources allow us to find the best loan for you....often after others have failed. 

You can rest easy knowing that you have a knowledgeable partner on your side...taking the worry and fear out of what many consider to be a stressful situation. We pride ourselves on the ability to fully understand you and your mortgage needs.

When you’re part of the JMJ Financial family you’re treated with fairness and respect. We walk you through every step of the loan process. You’ll instantly feel at ease with our friendly, efficient, and competent loan professionals working hard to close your loan — quickly. 

At JMJ Financial, our biggest measure of success is you...our client! 

So let us show exactly what we can do for you. Simply contact us today and we’ll take time to answer all of your questions. No hassle...and no strings attached.

Our Approach

We take time to answer your questions and get to personally know you, your situation, and your needs. Since 1992, we’ve relied heavily on honesty, ethics, and excellent communication throughout the loan process to build successful and lasting relationships. Our clients and word-of-mouth referrals are the #1 measure of our success. 

Many clients come to us when others have failed to approve their loan. They feel as if all hope may be lost. We work hard to find the best solution for you and, more often than not, are able to close your loan. Our team of loan officers are efficient problem-solvers. When you mix our large number of resources — with our ability to go the extra mile and ask the right questions — you get a company that’s dedicated to swiftly and efficiently closing your loan. You get high-quality service in a respectable and friendly manner...that’s our promise to you.


Methodology

Our methodology is simple: we don’t make promises we can’t keep. We provide excellent communication, high-quality service, and impeccable follow through with every client. And we do all of this while still keeping our rates competitive. 

JMJ Financial focuses on quality...never quantity. As a direct lender, we service every step of the loan process in house — from origination, to underwriting, to closing, to property appraisals, and more. This gives us the ability to stay on top of your application and allows for excellent communication with you throughout each step of the loan process. An answer to your question is only a few short steps down the hall!

With other lenders, your application may take a trip around the nation – going to the processing department, then across the country to the underwriter, and then making its way across town to the appraiser...and then finally back to your loan officer — only to find that it wasn’t approved due to something that wasn’t properly addressed in the application from the start.

JMJ Financial services every piece of the loan process directly — so your application is handled efficiently and thoroughly from the beginning. This gives us the flexibility and speed to meet your deadlines. We can reduce your loan and appraisal contingency to 7 days.. We can close your loan start to finish inside 14 days all with daily communication and interaction with your loan liaison and loan officer. Having a contract that can close quicker than other buyers can makes your offer look more attractive to the seller ...potentially moving you to the front of the line when a seller receives multiple offers.

So you may wonder how it is that we’re able to close so many loans...even after others have failed. We believe that by intricately knowing the ins and outs of our business, asking the right questions, and taking time to dig deep and understand your situation and needs, we’re able to work “smarter” than most “big box” lenders. When others give up or can’t find a solution, you can rest assured that we’ll keep digging until we exhaust every possibility. Remember...quality, not quantity. You’ll never be “just another number” at JMJ Financial.

Our name and reputation are important – it’s how we’ve successfully helped clients like you for more than two decades. We go the extra mile because your satisfaction is our priority!


Thomas Kish

From processing and underwriting loans, to appraising homes, to managing a wholesale division, Thomas Kish has experience in just about every facet of the lending industry. And since 1992, this well-rounded understanding has earned him the distinction of having a “global common sense” approach in the mortgage business.

Using his vast, proven know-how, Thomas oversees all aspects of operations at JMJ Financial. He stands behind his philosophy that you should never sacrifice quality for quantity. He believes when you act with kindness and integrity...along with pride and passion...you’ll be remembered as someone great. And it’s these key beliefs that have shaped and molded JMJ Financial into the highly regarded and respected company it is today.

This same philosophy fuels his passion in his personal life as well – frequently running 5K and 10K races that help support numerous charities. He enjoys being cheered on by his never dull and supportive family...and very much cherishes the time they spend together.

Virgil Kyle

Using his background and degree in Business Administration and Management Information Systems, Virgil Kyle excels at finding simple solutions to difficult problems. And it’s this problem-solving ability that makes him a great resource to JMJ Financial and its team.

Whether he’s assisting a loan officer to help answer an intricate question or he’s working on creating more efficiency in the loan process, Virgil utilizes his ability to sort through and analyze data quickly. He also has a knack for taking ownership of a situation...and loves the challenge that each and every day brings.

Driven by his competitive nature, he’s just as passionate about finding the best solution to a complex issue, as he about playing polo and golf. And when Virgil isn’t in the office or on a sports field, you can find him with his family at the pool or the beach.

Ryan Robertson

Working his way through college as a personal banker and eventually earning his degree in Finance and Real Estate Law from CSULB has given Ryan the knowledge and skills to provide borrowers and realtors alike with an exceptional loan experience. In fact, he’s been doing just that since 2001.

It’s Ryan’s goal for each and every client to have the best possible result during their time with JMJ Financial. He operates under the belief that every step of the loan process should be handled in an upfront manner – eliminating any surprises along the way. It’s just one of many reason why JMJ clients are confident and relaxed...knowing that with his passion and detail oriented nature, their loans will be closed quickly and efficiently.