Jason Hands, Purchase Specialist - (E Mortgage Management ) Mortgage and Lending



Jason Hands
Purchase Specialist -
location_on Tampa, FL — E Mortgage Management
NMLS ID # 214834
Get to Know Jason Hands


In an ever changing mortgage market it is vital that you choose a mortgage lender that is knowledgeable of the changing guidelines within 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 needs and financial goals.

Please complete a secure online application @ or contact me directly at 813-517-0799 so we can discuss your scenario, complete an application and start your homebuying search today

I pride myself on my ability to close loans on time, constant communication and great mortgage products. If you have a Loan Estimate (LE) or an Estimated Fees Worksheet from another bank, lender or broker, please email the estimate to I will make sure you receive the best combination of product, rate, fees and customer service.  

We are a full service mortgage lender with Fannie Mae HomeReady, Up to 97% LTV Conventional 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,  Foreign Nationals & Private Money to 70% Loan to Value



We are Licensed to Originate Loans all across the State of Florida

*600 Fico Score on FHA, VA & USDA Financing. 620 Fico Score for Conventional with PMI. 620 Fico Score for Lender Paid PMI. 620 Fico Score for 97% Loan to Value with No PMI, 700 Fico Score for 95% Loan to Value Jumbo Financing up to $750,000 Loan amount with NO PMI & 720 Fico Score Jumbo Financing up to $3 Million

* Fannie Mae Day One - Much Less Required Documentation and Easier Loan Process - Underwriting For W2 Hourly or Salary Wage Earners

* No DTI - Debt to Income Limits or Caps on Conventional, FHA and VA

*Purchase a Home 1 Day After BK, Short Sale or Foreclosure with 500 Fico Up To 80% LTV

* Investor Cash Flow Loan Program - Purchase Investment Properties with No Paystubs, W2 - 1099 Forms or Tax Returns.. Loan Based Off of Average Market Rent Comparables

* Bank Statement Program For Self Employed Buyers, No Tax Returns Required

*97% Conventional LTV with Lender Paid PMI with a 620 Fico

* Fannie Mae HomeReady - 97% LTV Conventional 1st Time Buyer Program

*Jumbo to 95% LTV One Loan with No PMI - Up To $750,000 Loan Amount

*VA 100% Financing up to $417,000, VA Jumbo up to $625,000 & VA IRRRL

* USDA  100% Financing in Rural Area with Very Low Mortgage Insurance

* Condo Financing Up To 95% Loan to Value

*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 100% LTV on VA.

*I Can Close Your Loan in 28 Days or Less, All Programs Excluding USDA

*Very Low Lender Fees, Very Competitive Rates and Exceptional Customer Service

For more information call 813-517-0799 or 813-385-1109

Call today to discuss the benefits of partnering with E Mortgage Management.

Honest & accurate estimates Direct accessibility after hours / weekends On-time closings HUD's delivered & reviewed with clients prior to closing Status updates for transactions in process (weekly or daily) Weekly market updates & annual review for past clients




2014 Mortgage Loan Officer of the Year at Bay to Bay Lending, LLC

In recognition of outstanding achievement for highest volume and revenue company wide


2013 Mortgage Loan Officer of the Year at Bay to Bay Lending, LLC

In recognition of outstanding achievement for highest volume and revenue company wide


2012 Mortgage Loan Officer of the Year at ResMac, Inc.

In recognition of outstanding achievement for highest volume and revenue company wide


Purchase Money Loans in Florida

Darlene Nye
Five star rating!!! Fast, professional and an excellent communicator. Jason Hands with E Mortgage made our loan and home purchasing process seem easy. Thanks again Jason.
Ronald Chandler
I have purchased several homes in past and dealt with a variety of mortgage lenders. Jason and the whole staff were A+ from beginning to close! He was the only one that took on my self employment obstacles and made it happen. I will 100% use EMM Mortgage again ! Communication was great texting and called back right away every time. All those big name lenders should take notes on how to treat customers and think outside the box to get things done. I want to Thank Jason all of you at EMM for your hard work and dedication to old style customer service!
Rick and Marilyn Pfeifer
When important and very private financial help is needed, your friends and family sometimes recommend "You should use MY Guy (or Girl) to do this"! "They"re Great"!! Whether it's Taxes or Legal Advice...or even Landscaping! Let me say to you from the bottom of my heart... "Jason Hands IS MY GUY"!! Jason is diligent, intelligent, empathetic, relentless when working for you. He is one of the best communicators I have ever worked with. He would actually pick up the phone when I called him or if he was busy, he would call me back almost immediately! He communicated to me the process, where we were in the process, what he needed and once he had what he needed, he just took off and got it done! I Strongly recommend Jason Hands and his Entire Team (Yes Tina, I Mean You Too)!! Jason Hands helped my wife and I to buy our new home over three years ago. He worked tirelessly to help finance our dream and has come to the rescue again for our refinance. If you are buying your new dream home or refinancing the home you are currently living in, Jason Hands Is My Guy...You should give him a call! Thank You Jason! We Appreciate You!! Rick and Marilyn Pfeifer
Haley Cooper
Jason was there no matter what. Any question I had regarding any aspect of the home buying process, he either had the answer or did everything in his power to figure it out. When I couldn't get a hold of my realtor, Jason was there. He genuinely cares about providing excellent service and has the knowledge to back it up. He will definitely be taking care of any other loans we may inquire down the road
Raymond Bridges
Jason was above and beyond what we could have expected. We have tried to buy a home in the past with other lenders and was headache and unsuccessful. With Jason it was smooth closing, fast response for everything and was a true ally to get us to close! We closed and now own our first home! Highly recommend!
Jana Weiss
I have bought 3 previous homes and for the first time ever I had an easy and actual enjoyable loan process with E Mortgage Management. Jason Hands was very knowledgeable and most importantly easy to be reached. Very positive experience and would and have recommend Jason to anyone looking for a home loan. He also helped me fix my credit score! Thank you Jason Hands and mortgage team for a great home loan experience!
Jocelyn Wikehart
Jason was very easy to work with. Condos can be really hard to get processed but he persevered and we ended up with a great one! Be sure to give him a call or email if you are shopping for a mortgage.
Constantine Zefferys
Jason Hands walked us through the process of obtaining our VA loan step by step and made sure that we had all the necessary paper work completed correctly. He always answered my calls when I had a question, (and I had many of them). We would highly recommend Jason Hands to anyone seeking any kind of mortgage. He is definably a hard working true professional. CJZ & AZ
Nick Dowell
My experience with Mr. Jason Hands was excellent. I have had the fortunate opportunity to work with him on my initial home purchase as well as a refinance. His attentiveness to my situation was incredible, well appreciated too. He is ability to close both of my loans quickly really sets him above other mortgage brokers. I know he is a very busy many with numerous closing a month but I truly felt as though I was his only client. Not only was he available during normal business hours, but his connection with me after 5:00pm spoke volumes about his dedication to meeting my needs. Once my closing a were final, he sent me emails stating congratulations with ultimate enthusiasm. I felt my loan closing made him just as happy as I was. I can't wait to refer future home buyers his way
Andrea Ewing-Watson
Jason Hands was very attentive in answering any and all questions, or concerns I had from the start until close of the loan. I was very surprised with how diligent and thorough he was working what seemed like after business hours and weekends to make sure all necessary documents were received. If you want a person who is determined and will go above and beyond to make sure your loan process is successful then this is the guy. Andrea Ewing-Watson
Betty Leslie
Jason and his team were professional, timely and quite knowledgeable. We have had other mortgages in the past and none went as timely and smoothly as this experience. I would highly recommend Jason and his team to anyone. Thank you for making this "painless" for us! Betty Leslie
Lila Gabbard
This was the best experience I could have asked for or wanted. Jason was proactive getting all the necessary paperwork upfront and the process was extremely smooth. I could not have imagined going through the process without Jason at my side.
Ruth Boevers
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 received around 2-4 am and he never commented on it. I even e-mailed him something on a 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 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 Boevers

I am a licensed mortgage loan originator with over 19 years experience in the industry. I work on integrity, honesty and always put customer service first. I will make sure you receive the best loan.