JP Mortgage Services, Inc. is a Mortgage Brokerage Service company located in Austin Texas. It and its principals have more than 25 years of experience. We deal with more than 20 different investors and consistently get interest rates lower than the retail banks but are not any more expensive than a bank. We are able to help people with middle credit scores from 620 and higher. If you are a standard wage earner or our specialty business / self employed. With good credit scores one years tax returns regardless of down payment is very possible. You can apply online or call 24/7.