Tampa Mortgage Lender
A great Tampa Mortgage Broker. Unparalleled service and quality.
Choose Jason Hands
My name is Jason Hands I am a licensed mortgage loan originator with over 13 years’ experience in the mortgage industry. I specialize in Home Purchases in the State of Florida. I have helped over 1500 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 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, Up to 95% LTV Conventional with No PMI, Jumbo, Up to 90% LTV Jumbo with No PMI, FHA, FHA Streamline Refinance, FHA 203K, VA, VA IRRRL, USDA, HUD Homes, Home Path, HomePath Renovation, HARP, DU Refi Plus, Construction to Perm and Private Money to 70%.
I have Preferred Realtors in Hillsborough, Pinellas, Pasco, Hernando, Sarasota, Manatee, Orange, Duval, Broward, Palm Beach & Miami Dade Counties if needed. All with 10 Years of Experience or more.
We are Licensed to Originate Loans all across the State of Florida
• 580 Fico Score on FHA, 600 Fico Score on VA, 620 Fico Score on Conventional Financing. 640 Fico Score on USDA &HomePath. 640 Fico Score for Conventional with PMI and 700 Fico for Jumbo Financing
• Purchase a Home 1 Day After BK, Short Sale or Foreclosure with 600 Fico
• 95% Conventional LTV with Lender Paid PMI with a 640 Fico
• Jumbo to 90% LTV with No PMI - Up To $750,000 Loan Amount
• 100% Financing with VA & USDA
• 95% Financing On HomePath with No PMI or Appraisal • 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 LTV
• Cash Out Refinance up to 85% LTV on FHA and up to 90% LTV on VA.
• I Can Close Your Loan in 28 Days or Less, All Programs
• Very Low Lender Fees, Very Competitive Rates and Exceptional Customer Service
Our conventional product line is extensive dealing with primary, second homes & investment properties.
• I've helped borrowers qualify (when other mortgage companies and banks said they would not)
• I've helped Realtors find new buyers & sellers through various marketing plans.
Realtors: What is your current mortgage specialist doing to help you in the current environment?
• Honest & accurate estimates
• Direct accessibility after hours / weekends
• On-time closings on all loan products
• HUD's delivered & reviewed with clients prior to closing
• Status updates for transactions in process (weekly or daily)
• Weekly market & rate updates & annual review for past clients
Licenses / Credentials:
• State of Florida Mortgage Loan Originator #FL 0562
• NMLS ID # 214834
• FHA, VA, USDA, Conventional, HomePath, HUD Homes, My Community
• 620 Fico Score on FHA, VA and Conventional. 640 on HomePath& USDA
• FHA & FHA 203K – 96.5% Financing
• USDA – 100% Financing with Low PMI
• VA - 100% Financing with No PMI
• HomePath - 95% Financing with No PMI or Appraisal
• Conventional - 95% Financing with No PMI
• HUD Homes - Purchase a Home For as Little as $100.00 Down
• Jumbo to 90% LTV with No PMI
• Sub Prime Loans Including Foreign Nationals and Investors to 70% Financing Available Bay to Bay Lending, LLC - 510 S Dakota Ave
FHA, VA, USDA, Conventional, HomePath, HUD Homes, My Community
620 Fico Score on FHA, VA and Conventional. 640 on HomePath & USDA
FHA & FHA 203K – 96.5% Financing
USDA – 100% Financing with Low PMI
VA - 100% Financing with No PMI
HomePath - 95% Financing with No PMI or Appraisal
Conventional - 95% Financing with No PMI
HUD Homes - Purchase a Home For as Little as $100.00 Down
Jumbo to 90% LTV with No PMI
Sub Prime Loans Including Foreign Nationals and Investors to 70% Financing Available
(813) 793 - 7192
Free Home Warranty
Call to learn more
"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.
"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.
"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.
I was very pleased and "wowed" by the service Jason provided. I have never received daily updates before.
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....
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"