The deals you can't place don't have to die.
Send us your investor files — fix & flip, DSCR, bridge, ground-up. We take them to the lenders who want them, your borrower gets competing term sheets, the client stays yours, and you're paid when it funds.
- Loan size
- $75K – $50M
- Coverage
- FL, MD, DC and beyond
- Borrowers
- Entity borrowers only
A lender can only ever give your borrower one answer. Theirs.
JOGA makes the market compete — so your deal closes instead of dying in your pipeline.
How it works
Four steps from stuck file to funded deal.
Send us the deal
One intro and a few details. No intake gauntlet, no portal training.
We shop the market
Your file goes to the lenders who want that asset, in that state, with that story.
Competing term sheets
Your borrower sees real options side by side — leverage, structure, timeline.
It closes. You're paid.
The deal funds, your referral fee is paid, and the client stays yours — including the refinance later.
How you're paid
One agreement, signed once, and a fee on every deal that funds.
We'll put the number in front of you on the call — it depends on product and loan size, and we'd rather quote it honestly than advertise a headline you won't get.
Paid on funded loans
The fee is earned when the loan closes and funds. Nothing is owed on deals that don't close, and nothing is clawed back once it's paid.
Business-purpose only
Entity borrower, investment property, non-owner-occupied. Consumer and owner-occupied loans are outside the agreement entirely — that limit is what keeps referral compensation lawful.
You introduce, we do the rest
Name, contact, and the deal if you have it. You don't quote terms, take an application, or advise on product — that's licensed activity, and it stays with us.
Clean paperwork
W-9 up front, 1099 at year end, paid within thirty days of funding. One fee per loan; first introduction on record controls.
Referral compensation is available only where permitted in the state where the property sits. If you hold a real estate, mortgage, or loan-originator license, receipt of a referral fee must comply with the rules governing that license and with your sponsoring employer's policies — we'll walk through it with you before anything is signed.
Who this is for
Built for the people bringing the deals.
Place the investor, non-QM and bridge files your shop can't fund.
- You keep the borrower, and the refinance that comes later
- No in-house product is no longer a dead file
- Entity and business-purpose deals are the whole point here, not an exception
Get your investor buyers to the closing table on the date you wrote.
- Financing that matches the offer you actually made
- Bridge and rehab capital for aggressive timelines
- One point of contact from submission through closing
We're the desk behind you, never in front of you.
We finance the deal. The borrower stays your borrower, and stays yours for the next one. We have no interest in your client relationship — it's the reason the arrangement works.
Become a referral partner.
Tell us where you work and what you're seeing. We'll set you up to start sending deals.