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Hands Mortgage Group - Powered by Go Rascal Inc

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United States
Clearwater, FL
Hands Mortgage Group - Powered by Go Rascal Inc

Helping homebuyers, homeowners, and real estate investors make smart, informed financial decisions through every stage of homeownership. Go Rascal Inc.

Organization NMLS ID # 2072896 & Loan Originator NMLS ID # 214834

With over 26 years of dedicated experience in the Florida mortgage industry, I have been passionately helping home buyers navigate the complexities of their mortgage needs. As an independent mortgage broker, I specialize in shopping your mortgage across multiple wholesalers, ensuring that you receive the best pricing available. My e

xpertise lies in meticulously guiding clients through the intricate home buying process, making it as seamless and stress-free as possible. Whether you’re considering your next purchase or looking to refinance, I would love to offer you a second opinion to ensure you’re getting the best deal. Let’s connect and take the next step in your home-buying journey together! Jason is committed to serving the Tampa Bay community through volunteering in his free time. He has proudly served others through his work with Habitat for Humanity, the Metropolitan Ministries, and the Alzheimer's Association. In his free time, he enjoys traveling, outdoor living, paddle boarding, kayaking, and watersports.

09/02/2026

🌴🏡 WHAT IF YOUR FAVORITE FLORIDA VACATION DESTINATION BECAME YOUR SECOND HOME?

Morning coffee overlooking the Gulf. ☀️

Weekends at the beach. 🌊

A winter escape from the cold. 🌴

Or simply a place where your family can make memories for years to come.

If owning a Florida vacation home or second home has been on your wish list, the financing may be more achievable than you think.

I'm Jason Hands with Hands Mortgage Group – Powered by Go Rascal Inc., and I help buyers throughout Florida structure financing for second homes, vacation properties and higher-priced Florida residences.

🌴 SECOND-HOME FINANCING IN FLORIDA

Depending on your qualifications, property and intended occupancy, financing options may include:

🏡 Conventional Second-Home Loans
💎 Jumbo Financing for higher-priced properties
🏙️ Financing for eligible Florida condos
🌊 Financing for eligible waterfront properties
📊 Fixed-rate and adjustable-rate options
💰 Various down-payment structures depending on program guidelines

🔥 WHY BUY A SECOND HOME IN FLORIDA?

Maybe you want a place for:

🌊 Beach weekends

☀️ Winter escapes

👨‍👩‍👧‍👦 Family vacations

🏖️ Extended Florida stays

✈️ Your own getaway instead of booking hotels

🏡 A property you can enjoy now and potentially hold for the long term

And unlike planning another vacation, you're putting your money toward a property you actually own.

📍 WHERE WOULD YOU BUY YOUR FLORIDA GETAWAY?

Tampa Bay? 🌴

St. Petersburg or St. Pete Beach? 🌊

Clearwater Beach? ☀️

Madeira Beach or Treasure Island? 🏖️

Dunedin or Palm Harbor?

Sarasota or Siesta Key?

Anna Maria Island or Bradenton?

Naples?

Destin or the Florida Keys?

Florida gives second-home buyers a lot of choices.

The key is figuring out the financing BEFORE you fall in love with the property.

💰 BEFORE YOU START SHOPPING, LET'S ANSWER 4 QUESTIONS:

1️⃣ How much do you want to spend?

2️⃣ How much would you ideally like to put down?

3️⃣ What monthly housing payment are you comfortable with?

4️⃣ How do you intend to use the property?

That last question is particularly important.

A second home and an investment property are not necessarily financed the same way.

If you're primarily buying the property to personally enjoy as a second residence, we'll explore appropriate second-home financing.

If your strategy is primarily Airbnb, VRBO, short-term rental or investment income, let's discuss investment-property and DSCR financing instead.

🎯 THE GOAL ISN'T JUST TO GET YOU A MORTGAGE.

It's to structure financing around how you actually plan to use the property.

🌴 READY TO START LOOKING FOR YOUR FLORIDA GETAWAY?

Comment “FLORIDA” below or DM me “SECOND HOME” and send me:

📍 Preferred Florida location
💰 Target purchase price
🏡 Property type
💵 Down-payment goal
📅 When you'd like to purchase

I'll help you determine what the financing could look like before you start shopping.

09/01/2026

🏡 BUYING A HIGHER-PRICED HOME IN FLORIDA? YOUR FINANCING STRATEGY NEEDS TO MATCH THE PROPERTY.

When the purchase price moves beyond standard conforming loan limits, a Jumbo Loan may be the right financing solution.

I'm Jason Hands with Hands Mortgage Group – Powered by Go Rascal Inc., and I help Florida homebuyers, second-home buyers and real estate investors structure financing for higher-priced properties throughout Tampa Bay and across the State of Florida.

🔥 WHAT IS A JUMBO LOAN?

A Jumbo Loan is designed for mortgage amounts that exceed applicable conforming loan limits.

That makes it a common financing option for:

🏖️ Waterfront homes
🏡 Luxury and custom homes
🏙️ High-value condos
🌴 Second homes
📈 Investment properties
🏗️ New construction
🏘️ Certain multi-unit properties

💰 WHY CONSIDER JUMBO FINANCING?

Depending on your qualifications and the specific program, Jumbo financing may offer:

✅ Higher loan amounts
✅ Fixed-rate and adjustable-rate options
✅ Competitive pricing for qualified borrowers
✅ Interest-only options through certain programs
✅ Cash-out refinance possibilities
✅ Financing for primary residences, second homes and eligible investment properties
✅ Flexible solutions for borrowers with more complex financial profiles

📍 TAMPA BAY LUXURY HOME BUYERS

If you're shopping in:

📌 St. Petersburg
📌 Tampa
📌 Clearwater
📌 Clearwater Beach
📌 St. Pete Beach
📌 Dunedin
📌 Palm Harbor
📌 Sarasota
📌 Bradenton
📌 Or anywhere across Florida

…let's review the financing before you make the offer.

With higher-value properties, the mortgage isn't just about the rate.

It's also about:

💵 Cash to close
📊 Reserve requirements
🏦 Asset structure
📈 Debt-to-income strategy
🏠 Property type
💰 Monthly payment
⏱️ Closing timeline

A properly structured Jumbo loan can make a major difference in how efficiently the transaction comes together.

🚨 DON'T WAIT UNTIL YOU FIND THE HOUSE TO TALK FINANCING.

If you're considering a higher-priced Florida property, let's determine your financing range, cash requirement and program options before you start negotiating.

👇 Thinking about buying a luxury, waterfront or higher-priced property?

Comment “JUMBO” below or send me a DM with:

1️⃣ Target purchase price
2️⃣ Property type
3️⃣ Down payment goal
4️⃣ Estimated credit score
5️⃣ Primary home, second home or investment property

I'll help you review the available financing strategies.

08/28/2026

🏚️ ➡️ 🔨 ➡️ 🏡 ➡️ 💰 ➡️ 🔁

FLORIDA REAL ESTATE INVESTORS: WHAT IF ONE PROPERTY COULD HELP FUND THE NEXT ONE?

That's the strategy behind BRRRR:

🔥 BUY
🔨 REHAB
🔑 RENT
💰 REFINANCE
🔁 REPEAT

Instead of simply buying one rental property and stopping, the BRRRR strategy is designed around adding value, creating rental income, potentially accessing equity through refinancing, and redeploying capital into future investments.

I'm Jason Hands with Hands Mortgage Group – Powered by Go Rascal Inc., and I help real estate investors throughout Tampa Bay and Florida structure financing around the entire investment strategy—not just the initial purchase.

🏘️ HOW DOES BRRRR WORK?

1️⃣ BUY

Identify an investment property with the potential to create value.

The numbers matter: purchase price, renovation costs, projected rent and after-repair value should all be evaluated before you buy.

2️⃣ REHAB

Renovate strategically.

The goal isn't simply to make the property look better—it's to make improvements that support your rental strategy and potentially increase the property's value.

3️⃣ RENT

Place qualified tenants and establish rental income.

Now you've transitioned from a renovation project into an income-producing investment property.

4️⃣ REFINANCE

Once the property and borrower meet applicable lender requirements, refinancing may allow you to replace the original financing and potentially access a portion of the equity you've created.

Depending on the scenario, DSCR financing may also provide an option for qualifying an investment property primarily through its rental cash flow.

5️⃣ REPEAT

Deploy available capital toward the next opportunity and start the process again.

📈 That's where BRRRR can become a portfolio-building strategy instead of simply a one-property transaction.

💰 FINANCING OPTIONS FOR FLORIDA INVESTORS MAY INCLUDE:

🏚️ Purchase + Rehab Financing
🔨 Fix & Flip Financing
🏘️ DSCR Rental Loans
💵 Cash-Out Refinance
🌉 Bridge Financing
⚡ Hard Money Financing
🏦 Portfolio Loan Strategies
💰 Investment Property HELOCs

🚨 BUT BRRRR ISN'T JUST ABOUT GETTING A LOAN.

The numbers need to work.

Before moving forward, I want to understand:

💵 Purchase Price
🔨 Rehab Budget
📈 Expected After-Repair Value (ARV)
🏘️ Projected Monthly Rent
💰 Existing Capital
📊 Financing Needs
🚪 Exit Strategy

Because the goal isn't simply:

“Can we finance this property?”

The better question is:

“How does financing THIS property position you for the NEXT property?”

📍 TAMPA BAY + FLORIDA REAL ESTATE INVESTORS

Buying in Tampa • St. Petersburg • Clearwater • Dunedin • Palm Harbor • Brandon • Riverview • Wesley Chapel • Lakeland • Sarasota • Bradenton—or elsewhere in Florida?

Let's talk before you make the offer.

👇 FOUND A POTENTIAL BRRRR DEAL?

Comment “BRRRR” below or DM me:

PROPERTY ADDRESS + PURCHASE PRICE + REHAB BUDGET + ARV + EXPECTED RENT

I'll help you explore which financing strategy may fit the deal.

08/26/2026

🏡 FIRST-TIME FLORIDA HOMEBUYERS: DON'T START WITH ZILLOW—START WITH A PLAN. 🔑

One of the biggest mistakes I see first-time homebuyers make?

They fall in love with a house before they know what the numbers actually look like.

If you're thinking about buying your first home in Tampa Bay or anywhere in Florida, there are several things you can do BEFORE you start touring homes that can make the entire process easier, less stressful and potentially save you money.

🔥 6 THINGS TO DO BEFORE YOU START HOUSE HUNTING

1️⃣ CHECK YOUR CREDIT

Don't assume you need perfect credit.

Let's review where you stand and determine whether improving your credit could give you additional financing options.

2️⃣ SAVE FOR MORE THAN THE DOWN PAYMENT

Your down payment isn't necessarily your only upfront expense.

Depending on the transaction, you may also need to plan for closing costs, inspections, appraisal, insurance and reserves.

3️⃣ GET PRE-APPROVED BEFORE YOU SHOP

This is a big one.

A mortgage pre-approval can help you understand:

💰 Your potential purchasing power
🏡 An appropriate home-price range
💵 Estimated monthly housing costs
📋 Which loan programs may fit your situation
🤝 How to make a stronger offer when you find the right property

4️⃣ KNOW YOUR REAL MONTHLY BUDGET

Just because you may qualify for a certain amount doesn't mean you necessarily want to spend it.

I want to know what's important to YOU:

👉 How much money do you want to bring to closing?
👉 What monthly payment feels comfortable?
👉 How quickly do you want to purchase?

Then we can work backward and build the financing strategy around those goals.

5️⃣ KNOW YOUR MUST-HAVES VS. NICE-TO-HAVES

Location? Commute? School district? Backyard? Condo? Townhome? Single-family home?

Know what matters most before emotions enter the equation.

6️⃣ BUILD YOUR HOME-BUYING TEAM

The right mortgage professional + real estate agent + title/closing professionals can make a complicated transaction feel much simpler.

💰 YOU MAY HAVE MORE FINANCING OPTIONS THAN YOU THINK

Depending on your qualifications, potential options may include:

🏠 Conventional Financing
🔑 FHA Financing
🇺🇸 VA Financing for eligible Veterans and service members
💵 Low-Down-Payment Programs
🎯 Down Payment Assistance Programs for eligible buyers

And here's an important reminder:

🚨 YOU DO NOT AUTOMATICALLY NEED 20% DOWN TO BUY A HOME.

📍 BUYING YOUR FIRST HOME IN TAMPA BAY?

Whether you're looking in St. Petersburg, Tampa, Clearwater, Largo, Dunedin, Palm Harbor, Brandon, Riverview, Wesley Chapel, Lakeland, Sarasota, Bradenton—or elsewhere in Florida, I'd be happy to help you understand the financing BEFORE you start shopping.

You don't need to have everything figured out before calling me.

That's what I'm here for.

👇 Thinking about buying within the next 3–12 months?

Comment “HOME” below or send me a DM.

We'll start with three simple questions:

1. What's your target monthly payment?
2. How much would you ideally like to bring to closing?
3. When would you like to be in your new home?

From there, we'll build your roadmap. 🗺️🏡

08/25/2026

🏚️➡️🏡 FLORIDA REAL ESTATE INVESTORS: FOUND A FIXER WITH PROFIT POTENTIAL? LET’S TALK FINANCING. 💰🔨

The deal may be there.

The renovation plan may be there.

The exit strategy may be there.

But if the financing isn't ready, someone else could get the property first.

🔥 FIX & FLIP FINANCING — ACQUISITION + RENOVATION STRATEGIES

I'm Jason Hands with Hands Mortgage Group – Powered by Go Rascal Inc., and I help real estate investors throughout Tampa Bay and Florida explore financing strategies for acquiring, renovating and repositioning investment properties.

🏗️ ONE STRATEGY. TWO IMPORTANT PIECES.

1️⃣ ACQUISITION CAPITAL
Financing designed to help you secure the investment property.

2️⃣ RENOVATION CAPITAL
Depending on the program and project, financing may also be available for eligible renovation costs.

The objective?

ACQUIRE → RENOVATE → ADD VALUE → EXECUTE YOUR EXIT STRATEGY.

Whether your plan is to FIX & FLIP for resale or renovate and transition the property into a longer-term investment strategy, the financing should support the business plan—not slow it down.

💰 FIX & FLIP FINANCING MAY BE A FIT FOR:

🔨 Light-to-heavy renovations
🏚️ Distressed investment properties
🏡 Single-family investment homes
🏘️ 1–4 unit investment properties
🏢 Certain mixed-use opportunities
🏗️ Renovation and repositioning projects
🌴 Florida investment properties
⚡ Deals requiring faster ex*****on than traditional financing may provide

📊 SERIOUS INVESTORS LOOK BEYOND THE PURCHASE PRICE.

Before pursuing your next project, know your numbers:

💵 Purchase Price
🔨 Renovation Budget
📈 After-Repair Value (ARV)
⏱️ Renovation Timeline
💰 Holding Costs
🏷️ Projected Sale Price
🚪 Exit Strategy

A property that looks like a great deal can become a very different investment once you calculate the total project cost.

That's why financing should be part of your strategy BEFORE you make the offer.

📍 TAMPA BAY FIX & FLIP INVESTORS

Looking for opportunities in:

📌 Tampa
📌 St. Petersburg
📌 Clearwater
📌 Brandon & Riverview
📌 Wesley Chapel & Pasco County
📌 Lakeland
📌 Sarasota & Bradenton
📌 Or anywhere across Florida?

Let's review the project and determine what financing options may fit.

🔥 FOUND A PROPERTY? SEND ME THE DEAL.

DM me “FLIP” with:

I'll help you explore the financing side of the transaction.

Financing is subject to lender guidelines, underwriting, borrower qualification, property eligibility and program availability. Loan programs and terms are subject to change. This is not a commitment to lend.

08/24/2026

🏘️ FLORIDA REAL ESTATE INVESTORS: STOP LETTING FINANCING LIMIT YOUR NEXT DEAL. 💰

One property can produce income.

A strategically financed portfolio can help build long-term wealth.

If you're buying investment properties in Tampa Bay, St. Petersburg, Clearwater, Tampa, Pinellas County, Hillsborough County—or anywhere in Florida, the right financing strategy can make the difference between watching opportunities and actually being positioned to pursue them.

I'm Jason Hands with Hands Mortgage Group – Powered by Go Rascal Inc., and I specialize in helping Florida real estate investors find financing solutions designed to ACQUIRE • RENOVATE • HOLD • REFINANCE • REPEAT.

🔥 INVESTOR FINANCING OPTIONS INCLUDE:

🏚️ FIX & FLIP FINANCING
Need capital to purchase and renovate your next investment property? Let's explore financing designed for investors moving quickly on opportunities.

♻️ BRRRR STRATEGY FINANCING
Buy → Rehab → Rent → Refinance → Repeat.
The right financing structure can help investors recycle capital and continue building their portfolios.

🏘️ DSCR LOANS
Investment-property financing that may qualify primarily using the property's rental cash flow rather than traditional personal-income documentation.

💰 HELOCs & HOME EQUITY FINANCING
Already sitting on equity? Depending on your circumstances, that equity may provide another source of capital for acquisitions, renovations or other investment purposes.

⚡ HARD MONEY FINANCING
When the deal requires speed and flexibility, hard-money financing may provide an alternative to traditional mortgage underwriting.

🤝 PRIVATE FINANCING
Every investment doesn't fit neatly into a conventional lending box. Private financing may provide another option for unique properties and investment scenarios.

🏢 COMMERCIAL & MULTIFAMILY FINANCING
Looking beyond single-family rentals? Let's discuss financing options for multifamily and commercial investment opportunities.

📈 THE GOAL ISN'T JUST TO FINANCE YOUR NEXT PROPERTY.

It's to create a financing strategy capable of supporting your next 5, 10 or 20 properties.

Whether you're purchasing your first Florida rental or you're an experienced investor expanding an existing portfolio, let's look at the numbers and determine which financing strategy fits the deal.

📍 TAMPA BAY REAL ESTATE INVESTORS:
I'm available to discuss opportunities throughout St. Petersburg • Tampa • Clearwater • Dunedin • Palm Harbor • Largo • Brandon • Riverview • Wesley Chapel • Sarasota • Bradenton and across Florida.

👇 INVESTORS: What are you looking for next?

Comment “INVESTOR” below or send me a DM with:

1️⃣ Property type
2️⃣ Purchase price
3️⃣ Renovation budget, if applicable
4️⃣ Expected rent or ARV
5️⃣ Your investment strategy

Let's determine what financing options may be available before the next opportunity hits your inbox.

Loan programs, rates, terms and eligibility are subject to change and qualification. This is not a commitment to lend.

08/23/2026

🏘️ FLORIDA REAL ESTATE INVESTORS: YOUR EQUITY COULD HELP FUND YOUR NEXT OPPORTUNITY. 💰

Own an investment property with equity?

Instead of leaving that equity sitting on the sidelines, an Investment Property HELOC may give you access to capital while allowing you to keep the property you already own.

🔥 INVESTOR FINANCING — INVESTMENT PROPERTY HELOC PROGRAM

Whether you're building your first rental portfolio or looking to scale across Tampa Bay and Florida, this program could provide another source of capital for your investment strategy.

💰 PROGRAM HIGHLIGHTS:

✅ Available for eligible investment properties
✅ Up to 90% maximum CLTV for qualifying scenarios
✅ Minimum 600 FICO
✅ Loan amounts starting at $25,000
✅ Maximum loan amount up to $750,000
✅ Eligible 1–4 unit properties, including SFRs, condos and PUDs
✅ Debt consolidation may be permitted to reduce DTI
✅ 5-year interest-only draw period + 25-year amortization
✅ No prepayment penalty
✅ Minimum 75% initial draw at closing

📊 INVESTMENT PROPERTY MAXIMUM CLTV BY FICO:

🔹 720+ FICO → Up to 90% CLTV
🔹 700–719 → Up to 85% CLTV
🔹 680–699 → Up to 75% CLTV
🔹 660–679 → Up to 75% CLTV
🔹 640–659 → Up to 75% CLTV

🏡 WHAT COULD INVESTORS USE THE FUNDS FOR?

Depending on program requirements and your individual scenario, accessing investment-property equity could help you:

🏚️ Renovate or rehab properties
🔑 Pursue another investment opportunity
💳 Consolidate qualifying debt
📈 Provide additional liquidity
🏘️ Continue building your rental portfolio

📍 TAMPA BAY REAL ESTATE INVESTORS

If you own rental property in St. Petersburg, Tampa, Clearwater, Largo, Dunedin, Palm Harbor, Brandon, Riverview, Wesley Chapel, Sarasota, Bradenton—or elsewhere in Florida, let's find out whether your existing equity could become part of your next investment strategy.

You may have more financing power sitting inside your portfolio than you realize.

💥 DON'T JUST OWN EQUITY. PUT IT TO WORK.

👇 Want to see what you may qualify for?

Comment “HELOC” below, send me a DM, or call/text me 813-385-1109 with the property value and current mortgage balance, and I'll help you explore your options.

08/22/2026

🏡 MEET YOUR FLORIDA MORTGAGE BROKER — ONE BROKER. MORE FINANCING OPTIONS.

Buying a home? Building a real estate portfolio? Financing your next commercial property?

You shouldn't have to call three different people to explore your financing options.

I'm Jason Hands with Hands Mortgage Group – Powered by Go Rascal Inc., and I help homebuyers, homeowners, real estate investors and business owners throughout Tampa Bay and the State of Florida find financing strategies built around their goals.

🔑 TRADITIONAL RESIDENTIAL FINANCING
🏡 Conventional, FHA & VA Loans
💰 Low-down-payment options
🏖️ Jumbo & Second-Home Financing
📉 Rate & Term Refinancing
💵 Cash-Out Refinance & Home Equity Options

📈 REAL ESTATE INVESTOR FINANCING
🏚️ Fix & Flip Financing
♻️ BRRRR Strategy Financing
🏘️ DSCR Investment Loans
💰 Hard Money & Private Financing
🏦 Bank Statement & Alternative Financing
📊 Rental Property & Portfolio Financing

🏢 COMMERCIAL FINANCING
🏬 Commercial Real Estate
🏢 Multifamily Properties
🔑 Owner-Occupied Properties
💼 Business-purpose financing options
🏗️ Office, Retail, Industrial & more

📍 TAMPA BAY + FLORIDA MORTGAGE EXPERTISE

Whether you're looking for a home in St. Petersburg, Tampa, Clearwater, Palm Harbor, Dunedin, Sarasota, Bradenton, Pasco County or elsewhere in Florida, my goal is simple:

Find the financing solution that makes sense for YOUR transaction.

With 26+ years in the mortgage industry, I understand that borrowers and investors need more than a rate quote.

They need options, speed, communication and someone who knows how to structure a deal.

🔥 BUYING A HOME? Let's build your mortgage strategy.

🔥 REAL ESTATE INVESTOR? Let's talk DSCR, Fix & Flip, BRRRR and portfolio growth.

🔥 COMMERCIAL BORROWER? Let's explore commercial, full doc, hard-money and private financing options.

📲 Ready to talk financing?

COMMENT “FLORIDA” below or send me a DM and tell me what you're looking to finance.

08/19/2026

🏡 FLORIDA HOMEBUYERS: YOU MAY QUALIFY FOR UP TO $10,000 IN HOME-BUYING ASSISTANCE! 💰🔑

Think you need tens of thousands of dollars saved before you can buy a home in Florida?

You may have more options than you realize.

The Florida Standard Bond Down Payment Assistance Program may provide up to $10,000 in down payment and/or closing cost assistance to eligible Florida homebuyers. 🇺🇸🏠

That assistance could make a significant difference when it comes to the upfront costs of buying a home.

✅ Up to $10,000 in assistance
Assistance may be available toward eligible down payment and/or closing costs.

✅ Keep more money in your pocket
Reducing upfront costs could mean keeping more of your savings available for moving expenses, furniture, repairs, and other costs of homeownership.

✅ Don't assume you need tens of thousands to buy
Before deciding that homeownership is out of reach, find out what programs and financing options you may qualify for.

🚨 STILL RENTING BECAUSE YOU'RE WORRIED ABOUT THE DOWN PAYMENT?

Before you renew your lease or postpone buying another year, let's find out whether the Florida Standard Bond Program could help.

📲 THINKING ABOUT BUYING A HOME IN FLORIDA?

Message me "$10K" or contact me today. I'll help you determine whether you may qualify and review the mortgage options available based on your situation.

08/17/2026

🏡 FHA ZERO DOWN — 100% OR 101.5% FINANCING OPTIONS! 🔑

Think you need a large down payment to buy a home? You may have more options than you think.

I’m excited to offer Gold Star Zero Down FHA Down Payment Assistance (DPA) programs designed to help qualified buyers get into a home with little to no money required for the down payment.

🔥 TWO FHA ZERO DOWN OPTIONS

🔵 100% CLTV OPTION
✅ 96.5% FHA First Mortgage
✅ 3.5% Second Mortgage
✅ Minimum 600 FICO
✅ No income limits
✅ No first-time homebuyer requirement
✅ No stated maximum DTI*
✅ Available in all states where program/lender eligibility requirements are met

🔴 101.5% CLTV OPTION
✅ 96.5% FHA First Mortgage
✅ 5% Second Mortgage
✅ Minimum 600 FICO
✅ Additional assistance may help cover eligible closing costs
✅ No income limits
✅ No first-time homebuyer requirement
✅ No stated maximum DTI*
✅ Available in all states where program/lender eligibility requirements are met

The second mortgage has a 10-year term with an interest rate 2% above the first-mortgage rate.

💥 WHY THIS COULD BE A GAME CHANGER

For many buyers, the biggest obstacle isn’t making the monthly mortgage payment—it’s coming up with the cash needed upfront.

FHA Zero Down DPA could help change that.

Whether you’re currently renting, rebuilding your savings, or simply don’t want to drain your bank account to purchase a home, this program may provide another path toward homeownership.

🏠 Want to find out if you qualify?

Call, text, or message me and I’ll walk you through the program, estimated payment, cash-to-close, and purchasing power.

Your dream home may be closer than you think. 🔑🏡

Address

Clearwater, FL

Opening Hours

Monday	8am - 7pm
Tuesday	8am - 7pm
Wednesday	8am - 7pm
Thursday	8am - 7pm
Friday	9am - 6pm
Saturday	9am - 12pm

Telephone

+18133851109

Website

https://www.handsmortgagegroup.com/, https://linktr.ee/jasonhands

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