Tampa Mortgage Lender

A great Tampa Mortgage Broker. Unparalleled service and quality.

My name is Jason Hands I am a licensed mortgage loan originator with over 15 years' experience in the mortgage industry. I specialize in Home Purchases in the State of Florida. I have helped over 2000 families realize their dreams of home ownership, with many repeat and referral clients.

In an ever changing mortgage market it is vital you choose a lender that is knowledgeable of the changing guidelines in the mortgage industry. I make buying a home a smooth and hassle-free process for everyone involved. I'm committed to making sure that each client makes an educated decision that meets or exceeds their financial goals.

I pride myself on my service and availability. I'm available after hours and on weekends. If you have a Good Faith Estimate (GFE) or an Initial Fee Work Sheet from another lender or broker, please fax the offer to 866-216-6322 will make sure you receive the best combination of product, rate, fees and service.

We are a full service mortgage lender with Conventional Loans Up to 97% LTV with No PMI, Jumbo Up To 95% LTV Jumbo with No PMI, FHA, FHA Streamline Refinance, FHA 203K, VA, VA IRRRL, USDA, HUD Homes, HARP, DU Refi Plus, Construction to Perm and Private Money to 70%.

We are Licensed to Originate Loans for the entire State of Florida

• 560 Fico Score on FHA, VA and USDA, 620 Fico Score for Conventional with PMI Up To 95% Loan to Value and 700 Fico for Jumbo Financing Up To $2,000,000.00
• Purchase a Home 1 Day After BK, Short Sale or Foreclosure with 500 Fico
• 95% Conventional LTV with Lender Paid PMI with a 620 Fico
• Jumbo to 95% LTV with No PMI - Up To $650,000 Loan Amount
• 100% Financing with VA & USDA
• FHA 203K Rehab Loans -- Streamline and Full 203K Loans
• Jumbo Financing up to $3,000,000 with 720 Fico
• HUD Homes with $100.00 Down Payment
• HARP & DU Refi Plus Unlimited Loan to Value
• Cash Out Refinance up to 85% Loan to Value on FHA and up to 100% Loan to Value on VA.
• I Can Close Your Loan in 28 Days or Less, All Programs with the Exception on USDA Loans
• Very Low Lender Fees, Very Competitive Rates and Exceptional Customer Service

Our mortgage product line is extensive in dealing with primary, second homes & investment properties.

Licenses / Credentials:
• State of Florida Mortgage Loan Originator #FL 0562
• NMLS ID # 214834

Services Offered:

  • FHA, VA, USDA, Conventional, HUD Homes and My Community
  • 560 Fico Score on FHA, VA and USDA Loans
  • FHA & FHA 203K – 96.5% Financing
  • USDA – 100% Financing with Low PMI
  • VA - 100% Financing with No PMI
  • Construction to Perm Loans to 70% Loan to Value
  • Conventional to 95% Loan to Value with No PMI with a 640 Fico Score
  • Conventional to 97% Loan to Value with No PMI with a 680 Fico Score
  • HUD Homes - Purchase a Home For as Little as $100.00 Down
  • Jumbo to 95% Loan to Value with No PMI up to $650,000 Loan Amount
  • Sub Prime Loans Including Foreign Nationals and Investors to 70% Financing Available


Local: (813) 385 - 1109

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"Jason worked hard to assist me for many months prior to submitting my loan, helping yo get my credit scores higher and my debt to income ratios lower so I would qualify for my first home purchase. Jason took many hours out of his busy schedule to assure me that I would be able to get a loan with the lowest rate and fee's available. Jason followed through on all of his promises and even offered me a lender credit at closing. I will recommend him to all of my friends and family members.

Sarah D."

"Mr. Jason Hands was recommended to me by my realtor, Stacia, as a mortgage banker. He was very on the ball with everything. When something was needed - within 24 hours I had received it. He seems to work 24/7. I’m a night owl so everything he needed from me he got around 2-4 am and he never commented on it. I even e-mailed him something on Sunday thinking that he would at least have taken that day off but within a couple of hours I had a phone call. He treats you as a person not as just a client. He even sent well wishes thru Christmas and the New Year, which I was completely shocked. Needless to say I highly recommend Jason as mortgage banker.
In the future I hope to be able to work with you again. Thank you for all that you have done. I really do appreciate it.

Ruth B. "

"Jason was wonderful to work with - this was very difficult for us due to the out of state aspect - We couldn't have made it without Jason. He is truly a professional, and we would use him again.

Frank P.

I was very pleased and "wowed" by the service Jason provided. I have never received daily updates before.

Sue H.

I decided to work with a broker because I heard the process is easy than going directly with a bank, even if you have to pay extra for the service; and after working with Jason I can say it is well worth it.
He got me approved fast, in a matter of a day. Answered every question I had fast and on any day (even on Sundays). The night before closing he was on the phone with me and title agency going through the HUD and explaining what was everything. If you want to make your process easy, this is your guy.

Thank you Jason....
Santiago Goren

My husband and I are first-time home buyers and we could not have asked for anyone better than Jason! Being first-time home buyers, we had ALOT of questions and Jason always had immediate answers for everything. Not only was Jason very knowledgeable and helpful, but he constantly stayed on top of everything and everyone to make sure that all required information and documents were submitted in a timely manner. We strongly recommend Jason Hands and Bay to Bay Lending....

Chris & Andrea Schoop"