Lenders & Licensing Information

Last updated: March 21, 2025

For Lenders

Interested in offering the Short Home Loan product?

Become a Partner

Jib Financial, Inc. is a technology company that provides point-of-sale processing for loans on behalf of licensed lenders. We are not a lender ourselves.

Our Role

Jib Financial, Inc. operates as a technology platform that connects borrowers with licensed lenders. We process loan applications, facilitate communication, and provide tools to streamline the lending process, but all loans are funded and originated by our lending partners, each of which maintains appropriate licensing in the states where they operate.

How Jib Works

Think of Jib as the "Domino's of home lending" — we've created a nationwide platform that delivers a consistent loan product through local licensed partners.

For Borrowers

  • Same Short Home Loan product nationwide
  • Streamlined application process through our tech platform
  • Service from a licensed lender in your state

For Lenders

  • Access to Jib's product, technology and marketing
  • You maintain your regulatory independence
  • New revenue stream with minimal overhead

For Regulators

  • Clear separation of responsibilities
  • Loans originated by properly licensed entities
  • Transparent documentation and compliance

Like Domino's delivers the same pizza through local franchisees, The Jib Short Home Loan product is delivered through local licensed lenders — consistent quality nationwide, with proper local licensing.

Short Home Loan States

Jib Short Home Loans, provided through our licensed lending partners, are currently available in the following states. We're actively expanding our coverage to help more homeowners nationwide.

Arizona

(AZ)

California

(CA)

Colorado

(CO)

Georgia

(GA)

Idaho

(ID)

Michigan

(MI)

Oregon

(OR)

Texas

(TX)Only for moves into Texas

Washington

DC

Washington

(WA)

Lending Partners by State

Below is a list of our current lending partners in states where we operate. Each partner maintains all appropriate licensing for their jurisdiction.

StateLenderNMLS #State License #
ArizonaPacific Private Money Inc9455821034044
CaliforniaPacific Private Money Inc945582NMLS: 945582 | DRE: 1897444 | CDFPI/CFL: 6054605
ColoradoPacific Private Money Inc945582Registered
GeorgiaPacific Private Money Inc945582-
IdahoPacific Private Money Inc945582MBL-2080945582
MichiganPacific Private Money Inc945582FL0024814
OregonPacific Private Money Inc945582945582
TexasPacific Private Money Inc945582-
District of ColumbiaPacific Private Money Inc945582MLB945582
WashingtonPacific Private Money Inc945582CL-945582

Regulatory Compliance

Our lending partners comply with all applicable federal and state regulations, including:

  • Truth in Lending Act (TILA)
  • Real Estate Settlement Procedures Act (RESPA)
  • Equal Credit Opportunity Act (ECOA)
  • Fair Credit Reporting Act (FCRA)
  • Home Mortgage Disclosure Act (HMDA)

Contact Information

For licensing and regulatory inquiries, please contact us at:

Need licensing information?

If you need detailed licensing information about our lending partners in your state, please contact us.

Contact our licensing team