Jasmine Mokhiber - Mortgage Loan Originator - NMLS# 2211482

02/12/2026

https://www.eventbrite.com/e/homebuyer-webinar-how-to-buy-smart-and-win-in-todays-market-tickets-1981867083798?utm_experiment=test_share_listing&aff=ebdsshios

01/05/2026

Let’s see what this rate market does this week with the Venezuela stuff…

Follow along on my stories and hit the 🛎️ for real time alerts

➡️ Consumers concerned = Rates ↓
➡️ Confidence = Rates ↑
➡️ Mortgage rates follow the 10-Year Treasury - not news headlines. But the headlines and economic event influence investing behavior

Stop guessing. Start understanding. Follow your mortgage girl for easy to understand real estate news. 🗞️

10/23/2025

Here’s the truth: most buyers overestimate what they can afford and underestimate what they can negotiate.

The goal isn’t to max out your pre-approval, it’s to find a payment that fits your life and leaves room for everything else that matters.

Curious where that sweet spot is for you? Let’s run the numbers together. 💬

09/30/2025

09/17/2025

Most buyers freeze, worrying about every little issue, but the real mistake is overreacting before reviewing the full report. Focus on prioritizing major repairs, communicating with your agent, and understanding what your lender can support.

Handling it strategically keeps the deal on track.

Have questions about negotiating after an inspection? DM me.

08/27/2025

Would it surprise you to know… the very NEXT DAY after the Fed’s actually lowered the Fed Fund Rate… mortgage rates went…. UP?!?!

The few weeks leading up to THE DROP DAY… the rates came down. But 💥 BOOM… the day after - rates went up little by little.

PS - The Federal Funds rate is often confused as MORTGAGE RATES. Not the same!! 😝

Those on the fence about refinancing or locking a rate in… I hope this data helps ➡️

-Your Mortgage Girl, Jas

08/22/2025

Don’t do it…..

➖Skip the pre-approval
➖Don’t assume 20% down is your only option (or best)
➖Wait for rates to drop or time the market
➖Don’t stretch your means, especially if you know you have some big financial purchases coming in the future
➖Don’t purchase the largest investment of your life without a trusted team behind you (realtor and lender)

08/14/2025

True or false ⁉️

When the Fed keeps saying they intend to lower rates in September… do rates wait to move THEN or do bond investors react to this news NOW and so we are already seeing rates move because of this news???

Think of it like the stock market. If we all got inside information that the price of Apple stock was going up in Sept… would we wait to buy the stock then… or would we buy it NOW while the price is still lower?

If you are waiting to refinance your mortgage until this Sept announcement… I’d look back at what happened to rates the last time this happened.

Your Mortgage Girl, Jas trying to help you save money 🤓 and make a good financial decision!!

Want a free refi analysis check up?

Email your mortgage statement to:
[email protected]

No credit pull needed… just a free analysis!

08/14/2025

Join us Saturday, August 23 from 12–2 PM for our Homebuyer Open House Tour 🏡

We’re kicking things off at DiGiovanni Homes in North Pinellas and touring some gorgeous properties while giving you:

✅ Insider tips on today’s market
✅ A step-by-step guide to buying your first (or next) home
✅ Strategies to set you up for success
✅ Real talk about financing & making offers

…and yes, there will be food, drinks, and raffles because learning about real estate should never be boring. 🎉

📍 North Pinellas – Starts at DiGiovanni Homes
📅 Saturday, August 23 | 12–2 PM
🎟 FREE – RSVP now to save your spot!

👉 Click the link in bio to RSVP today – spots are limited!

08/14/2025

You see the future.
I see the financing path that makes it possible.

Buying a home is emotional—but it’s also a massive financial decision.
That’s where I come in.

Whether you’re buying your first home, relocating, or starting over after a tough chapter—I’ll help you navigate the mortgage process with clarity, strategy, and zero guesswork.

Because the home might be new…
but the payment should feel like peace of mind.

I’m not just your mortgage girl, I’m your coach, your strategist, and your biggest cheerleader, guiding you every step toward the keys in your

❤️ Like this if you’re dreaming of homeownership but want to do it the smart way.
hand.

08/10/2025

💡 Did you know sellers can help cover your closing costs?

This isn’t just a “nice to have” — in our Tampa Bay market, it’s becoming a real game-changer for buyers’ affordability and helping sellers stand out.

Here’s what’s allowed for each loan type — and what that looks like on a $500,000 home:

▪️FHA Loan – Up to 6% → $30,000 toward closing costs

▪️VA Loan – Up to 4% → $20,000
*VA buyers often bring nothing to closing since VA allows for 0% down.

▪️Conventional Loan – Max contribution depends on down payment:
Less than 10% down → 3% → $15,000
10%–24.99% down → 6% → $30,000
25% or more down → 9% → $45,000

📌 Why this matters in Tampa right now:
Every real estate market is different. In some cities, sellers are still getting multiple offers over asking with zero concessions.

But here in Tampa Bay, the market has shifted — buyers have more room to negotiate, and seller-paid closing costs are helping them:

✅ Keep more cash in their pocket for moving, furniture, or repairs
✅ Afford a slightly higher purchase price without increasing their monthly payment much
✅ Compete with confidence in multiple-offer situations by asking for concessions instead of deep price cuts

For sellers, offering concessions can make your home more attractive to today’s budget-conscious buyers — and often helps you net the same amount you would with a price reduction, while keeping the deal moving forward.

Bottom line: Seller-paid closing costs aren’t just a “buyer perk” — in our current Tampa market, they’re a win-win strategy for both sides.💪🏻

08/01/2025

Because strategy beats stress—especially when competition heats up.

✅ INS:
▪️Getting pre-approved before you tour (Sellers won’t wait!)
▪️Making smart, competitive offers—not just highest bids.
▪️Considering homes that have been sitting longer (Less competition = more room to negotiate).
▪️Working with a lender & agent team that knows how to win in this market.

❌ OUTS:
▪️Waiting for “the market to crash” (it’s not).
▪️Trying to time the perfect interest rate.
▪️Skipping the prep work and hoping for the best.
▪️Letting multiple offer situations scare you off.
▪️Going at it alone without expert guidance.

August buyers, competition is real—but so are smart strategies.

Let’s build yours. 📲 DM me to get started!