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Mortgage Pre-Approval Services: Achieve Your Goals With Expert Guidance

Mortgage Pre-Approval Services: Achieve Your Goals With Expert GuidanceMortgage Pre-Approval Services: Achieve Your Goals With Expert GuidanceMortgage Pre-Approval Services: Achieve Your Goals With Expert Guidance

UNLOCK YOUR DREAMS with the right home loan options! Whether you're exploring FHA loans or VA loans, our mortgage broker services can guide you through various first time home buyer programs tailored for you. Discover competitive mortgage rates today and take the first step towards homeownership!

Begin your journey today! Click Here
From Programs to Trends — Start Here

813-786-8091

Mortgage Pre-Approval Services: Achieve Your Goals With Expert Guidance

Mortgage Pre-Approval Services: Achieve Your Goals With Expert GuidanceMortgage Pre-Approval Services: Achieve Your Goals With Expert GuidanceMortgage Pre-Approval Services: Achieve Your Goals With Expert Guidance

UNLOCK YOUR DREAMS with the right home loan options! Whether you're exploring FHA loans or VA loans, our mortgage broker services can guide you through various first time home buyer programs tailored for you. Discover competitive mortgage rates today and take the first step towards homeownership!

Begin your journey today! Click Here
From Programs to Trends — Start Here

813-786-8091

About Me

Smiling woman with shoulder-length blond hair wearing a white blazer and turtleneck.

Your Dedicated Mortgage Professional

Hey there! I'm a passionate Mortgage Loan Professional with 24 years of experience in the industry, and I’m here to help you navigate the world of home loan options, whether you're looking into FHA loans, VA loans, or other financing solutions. Helping people achieve their dream of homeownership is my mission, and I’ve had the privilege of guiding clients, especially first-time home buyers, through the homebuying process with a focus on what matters most—you.


When it comes to mortgages, trust me—I’ve seen it all. I’ll be your reliable mortgage broker, offering a steady hand, a friendly smile, and maybe even a touch of that Southern charm as we explore your mortgage rates and options together. Think of me as your mortgage sidekick, ensuring you find the perfect loan for your needs—without all the complicated jargon and unnecessary stress.


I believe in keeping things simple, straightforward, and honest—because that’s exactly how the process should be. I’m committed to delivering exceptional customer service and am never more than a phone call away when you need assistance. My goal is to make this experience not only smooth but also personalized, tailored to your unique needs and dreams.


Outside of mortgages, I’m always seeking ways to grow—whether that’s by learning something new or just spreading a little extra positivity and kindness in my day-to-day life. At the end of the day, I want you to feel confident and stress-free as we walk through this journey together. So, let’s get those keys in your hand—and who says we can’t have a little fun along the way?

Client Testimonials

Positive 5-star review praising excellent mortgage service and support.
Positive review praising loan officer Jamie Andis for support and expertise.
Customer review praising Chace Home Lending's professionalism and service.
Positive review praising professional and patient home lending advisor Jamie Andis.
5-star positive customer review praising helpful and timely assistance.
Positive 5-star review praising Mrs. Andis for excellent loan assistance.
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Meet Mortgage Assistant GPT

Meet my brand-new Mortgage Assistant GPT -- your 24/7 guide to navigating the mortgage process with confidence. Whether you're a first time home buyer exploring options like FHA loans and VA loans, ready to get pre-approved, or curious about various home loan options and the latest mortgage rates, this smart assistant is here to help you with all your mortgage broker services.

Ready To Chat?

Your Path To Financial Freedom

 Experience personalized mortgage solutions designed for your needs. 

 Conventional loans offer flexibility and competitive interest rates, making them an ideal choice for many borrowers. They are not insured by the government, which means they often come with stricter credit requirements. With a conventional loan, you can choose between fixed or adjustable rates, allowing you to find a mortgage that fits your financial goals. Whether you’re purchasing a new property or refinancing an existing mortgage, our team is here to guide you through the process, ensuring you understand all your options and find the right loan for your situation. 


 FHA loans are designed to make homeownership more accessible to a wider range of borrowers. With lower down payment requirements and flexible credit guidelines, they are particularly beneficial for first-time homebuyers or those with less-than-perfect credit. The Federal Housing Administration insures these loans, giving lenders the confidence to offer favorable terms. Our experienced team will assist you in navigating the FHA loan process, ensuring you understand the benefits and requirements, so you can secure the funding needed to achieve your homeownership dreams. 


 VA loans provide exceptional benefits to veterans, active-duty service members, and eligible surviving spouses. These loans require no down payment and do not require private mortgage insurance, making them a cost-effective option. The U.S. Department of Veterans Affairs backs these loans, which enables lenders to offer competitive interest rates. Our knowledgeable team is dedicated to helping you navigate the VA loan process, ensuring you receive the support and information needed to make the most of this valuable benefit as you pursue your homeownership goals. 


 

Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors looking to finance income-producing properties. Unlike traditional loans that focus on the borrower's personal income, DSCR loans assess the property's cash flow to determine eligibility. Lenders typically require a minimum DSCR ratio of 1.2, meaning the property's net operating income must be at least 20% higher than the mortgage payments.

Fix and flip loans are short-term financing options specifically tailored for investors who purchase distressed properties, renovate them, and then sell them for a profit. These loans typically have higher interest rates and shorter repayment terms, often ranging from six months to a few years.

Hard money loans are short-term loans secured by real estate, primarily offered by private lenders. These loans focus on the property's value rather than the borrower's creditworthiness, making them accessible to investors with less-than-perfect credit.


 

These features may include:

  1. Low Down Payment Options: Programs often allow buyers to purchase a home with a reduced down payment, sometimes as low as 3% of the home's purchase price.
  2. Down Payment Assistance: Many programs provide grants or low-interest loans to help cover down payment and closing costs, reducing the upfront financial burden on the buyer.
  3. Competitive Interest Rates: First-time home buyer programs often offer below-market interest rates to make monthly mortgage payments more affordable.
  4. Flexible Credit Requirements: Programs may have more lenient credit score requirements, making it easier for buyers with limited credit history to qualify.
  5. Education and Counseling: Many programs include homebuyer education courses and financial counseling to help buyers understand the home-buying process, manage finances, and prepare for homeownership responsibilities.
  6. Reduced Private Mortgage Insurance (PMI): Some programs offer lower PMI rates or waive the requirement altogether, which can significantly lower monthly mortgage payments.
  7. Tax Benefits: Certain programs provide tax credits or deductions that can help reduce the overall cost of buying a home.
  8. Loan Options for Different Needs: Programs may offer various loan types, including fixed-rate and adjustable-rate mortgages, to suit different financial situations and preferences.

These features are designed to make homeownership more accessible and affordable for first-time buyers, helping them achieve their dream of owning a home.


 Commercial loans offer financing options provided to businesses for various purposes, such as expanding operations, purchasing equipment, or funding new projects. These loans are typically offered by banks and financial institutions and can be secured or unsecured, depending on the borrower's creditworthiness and the nature of the loan. Commercial loans often come with flexible terms and competitive interest rates, tailored to meet the specific needs of a business. 


Free Resources for Homeownership & Financial Planning

Download free tools and guides to help you navigate the homebuying journey, whether you're exploring FHA loans, VA loans, or other home loan options. Take control of your finances with resources that include step-by-step buying tips, budgeting forms, and debt management plans, making it easier for you to leverage first time home buyer programs. With the right mortgage broker services and knowledge of current mortgage rates, everything you need is just a click away!

Step By Step Guide to Buying Your First Home (pdf)Download
Step By Step Guide to Buying Your First Home _Spanish (pdf)Download
Monthly Cash Flow Plan (pdf)Download
Quick Start Budget Form (pdf)Download
Allocated Spending Plan (pdf)Download
Consumer Equity Sheet (pdf)Download
Debt Snowball Form (pdf)Download

Site Content

How to Calculate Your Home Buying Budget: Step-by-Step Guide

How to Get Pre-Approved for a Mortgage and Buy Your Dream Home

How to Calculate Your Home Buying Budget: Step-by-Step Guide

Discover the crucial steps to take before embarking on your house hunting journey! In this comprehensive guide, we break down the importance of having a budget, understanding your financial situation, and calculating your Debt-to-Income Ratio (DTI). Additionally, if you're a first-time home buyer, exploring various home loan options, including FHA loans and VA loans, can be beneficial. Don't forget to consider mortgage broker services to help navigate mortgage rates and find the best financing for your new home!

Master Your Mortgage Application: Step-by-Step Guide

How to Get Pre-Approved for a Mortgage and Buy Your Dream Home

How to Calculate Your Home Buying Budget: Step-by-Step Guide

Navigating the mortgage application process can be daunting, especially for first time home buyers exploring various home loan options. But we're here to make it simpler! In this video, we break down the crucial steps to help you succeed, including the significance of income verification, credit history, and debt-to-income ratios. Additionally, we'll discuss how FHA loans and VA loans can benefit you, as well as what to expect from mortgage rates and the value of mortgage broker services. Check it out! https://youtu.be/S57ZuOcL-8E

How to Get Pre-Approved for a Mortgage and Buy Your Dream Home

How to Get Pre-Approved for a Mortgage and Buy Your Dream Home

How to Get Pre-Approved for a Mortgage and Buy Your Dream Home

Understand the home buying process, from pre-approval to closing, to help you anticipate what to expect at each stage and alleviate any anxiety about the journey. Familiarize yourself with various home loan options, including FHA loans and VA loans, as well as first time home buyer programs that can assist you. Additionally, engaging with mortgage broker services can provide valuable insights into current mortgage rates and help you navigate your choices effectively. 


https://youtu.be/W9hOIm-cfe4

Exploring Different Mortgage Types

Tips For Improving Your Credit Score

How to Get Pre-Approved for a Mortgage and Buy Your Dream Home

Understanding the various types of home loan options available, such as FHA loans and VA loans, is essential for making informed decisions that align with your financial goals. Additionally, exploring first time home buyer programs can provide valuable assistance in navigating mortgage rates. Utilizing mortgage broker services can also help you find the best mortgage solutions tailored to your needs.

Tips For Improving Your Credit Score

Tips For Improving Your Credit Score

Tips For Improving Your Credit Score

Improving your credit score is a crucial step in preparing for a mortgage application, especially if you're considering FHA loans or VA loans. A higher credit score can lead to better loan terms and lower mortgage rates, which is particularly beneficial for first time home buyer programs. Exploring various home loan options with the help of mortgage broker services can also enhance your chances of securing favorable financing.

Mortgage Calculator

Tips For Improving Your Credit Score

Tips For Improving Your Credit Score

Use the mortgage calculator to get an estimate of your monthly mortgage payments, whether you're exploring FHA loans, VA loans, or other home loan options. This tool can also help first-time home buyers understand their potential mortgage rates and the benefits of various first time home buyer programs, making it easier to work with mortgage broker services.

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I love my customers, so feel free to visit during normal business hours to discuss FHA loans, first time home buyer programs, and various home loan options. Our mortgage broker services are here to help you navigate mortgage rates and VA loans.

Jamie Andis

Executive Mortgage Specialist

Email: info@jamieandis.com Phone: 813-786-8091

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08:30 am – 08:30 pm

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09:00 am – 06:00 pm

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Have questions on mortgages, loans, or just want to chat about interest rates? I’m here for it! Whether you're buying your first home, refinancing, or investing in real estate, I’ll guide you every step of the way (and make it as painless as possible).  

Don't hesitate—reach out today, and let’s make things happen! Text, call, email, or even send a carrier pigeon (though I can't promise they'll make it through HOA rules). 

I look forward to helping you unlock the door to your next big adventure!

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Free Guide: Top 10 Questions Every Tampa Homebuyer Should As

 Get the answers every Tampa homebuyer needs before making a move. This free guide covers budgeting, market insights, neighborhoods, and more—so you can buy with confidence! 

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