Tampa Direct Mortgage Lender

A great Tampa Mortgage Broker. Unparalleled service and quality.

I am a licensed mortgage loan originator with over 10 years experience in the mortgage industry. I specialize in Home Purchases in the Tampa Bay Area. I have helped hundreds of people 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. I will make sure you receive the best combination of product, rate, fee's and service.

We are a full service direct lender with no lender overlays with Stated Income Loan Programs, Conventional, Jumbo, FHA, VA, USDA, HUD Homes, My Community and Home Path.

I also have access to many local county down payment assistance programs in Hillsborough, Pinellas, Pasco and Orange Counties.

• 580 Mid Score on FHA & VA Financing, 620 Mid Score on Conventional and 640 Mid Score on USDA & HomePath, also Stated Income Loan Program
• REO, Short Sale, Foreclosure & Probate Purchase's
• Up to 100% financing (VA & USDA)
• Up to 97% Financing On HomePath
• No Monthly Mortgage Insurance Payments with HomePath & VA
• Fixed Rate, ARM & Interest Only Options Available
• I Can Close Your Loan in 21 Days or Less, All Programs
• Up to 6% Seller Paid Closing Costs on FHA, VA and USDA, Up to 3% Seller Paid Closing Costs on Conventional
• Cash Out Refinance up to 85% LTV on FHA & Conventional and Cash Out up to 90% LTV on VA.
• Hard Money Purchase up to 70% for Primary, Second Home and Investment Property
• Very Low Lender Fees, Very Competitive Rates and Exceptional Customer Service

I offer adjustable and fixed rate mortgages allowing up to 100% financing for primary residence, purchase and rate/term transactions along with cash-out refinances to 90% LTV.
Programs include 10, 15, 20, 25 & 30 fixed, one (1) month LIBOR, six (6) month LIBOR, one (1) year, 3/1, 5/1, 7/1 and 10/1 LIBOR ARMs. Fully Amortizing and Interest Only options are available.

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

We Specialize In:
  • FHA, VA, USDA, Conventional, HomePath, HUD Homes, My Community & Stated Income Loan Programs
  • 580 Fico Score on FHA & VA, a 620 on Conventional and a 640
    on HomePath & USDA Financing
  • FHA - 96.5% Financing with Up To 6% Seller Paid Closing Costs
  • USDA – 100% Financing with up to 6% Seller paid Closing Costs
  • VA - 100% Financing, No Mortgage Insurance and Up To 6% Seller Paid
    Closing Costs
  • HomePath - 97% Financing, No Mortgage Insurance, No Appraisal
    Required and Up To 6% Seller Paid Closing Costs
  • Conventional - 90% Financing with Up To 3% Seller paid Closing Costs
  • HUD Homes - Purchase a Home For as Little as $100.00 Out Of Your
    pocket
  • Down Payment Assistance Programs & First Time Homebuyer Programs
  • Stated Income Loans & Hard Money Loans Including Foreign Nationals
    and Investors to 70% Financing Available
Special Offer

Free Mortgage Prequalification

Call to learn more

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Local: (813) 793-7192
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Testimonials
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.