Jen Martinez Mortgage Team

Jen Martinez Mortgage Team Jennifer Martinez, Branch Manager/ VP of Mortgage Lending

Personal NMLS173516
Branch NMLS1212907
Co

06/10/2026

🏡 Mortgage Minute: What is a Guideline?

A mortgage guideline is simply a set of rules lenders use to determine whether a loan qualifies for approval. These guidelines look at factors such as income, credit, assets, debt, and the property itself.

My goal is to make mortgages easy to understand so you can make confident financial decisions.

❓What mortgage term would you like me to explain next? Drop it in the comments below, and I may feature it in an upcoming Mortgage Minute!

👍 Follow my page for simple mortgage tips, home-buying education, and real-world lending insights.

Tampa Bay. I am so honored. 🥹🏆We have been nominated for Best of the Best 2026 as one of the top mortgage lenders in the...
05/13/2026

Tampa Bay. I am so honored. 🥹🏆

We have been nominated for Best of the Best 2026 as one of the top mortgage lenders in the area and I genuinely could not be more grateful. This community has given me everything and I do not say that lightly.

Will you take 60 seconds and vote for us? Click the link, go to Services → Mortgage, and search Jen Martinez Team.
It means more than you know. Thank you for your support always. 🤍

🗳️ https://tampabaybestofthebest.com/vote/

04/23/2026

Have a pay raise coming? This might be exactly what you needed to hear.

Fannie Mae just updated their income guidelines and future income can now play a bigger role in helping buyers qualify for a mortgage. That means if you have a new job starting, a promotion lined up, or a raise on the way, you may be closer to buying than you think.

This is one of those changes that can really move the needle for buyers who felt like they were just out of reach. If you have questions about how this applies to your situation, drop them below or send me a message. I am happy to walk you through it.

We are THRILLED to welcome Susan Ho**er to the Jen Martinez Team at CrossCountry Mortgage! 🙌✨Susan is a passionate, clie...
03/23/2026

We are THRILLED to welcome Susan Ho**er to the Jen Martinez Team at CrossCountry Mortgage! 🙌✨

Susan is a passionate, client-first Loan Officer who is dedicated to making your homeownership dreams a reality. She brings heart, hustle, and a genuine love for helping people through every step of the loan process. 🏡💛

We are so excited to have her on our team and we know you’re going to love working with her!

Give Susan a warm welcome in the comments below! 👇

As I look back on 2025 I am so grateful for a year of growth, learning, & deepening relationships. Yes, our numbers incr...
01/02/2026

As I look back on 2025 I am so grateful for a year of growth, learning, & deepening relationships.
Yes, our numbers increased, but what matters most is the people behind them. Each loan represents a family, a milestone, a new chapter.
Thankful for the trust, the relationships, and my incredible team who makes it all possible. Here’s to continuing to serve with heart. 🏡✨

A smile, a plan, and a purpose. ✨Helping families turn their homeownership dreams into reality, one mortgage at a time. ...
11/11/2025

A smile, a plan, and a purpose. ✨
Helping families turn their homeownership dreams into reality, one mortgage at a time. 🏡

10/14/2025

Ever wonder what really makes up your monthly mortgage payment? 🏡
I sat down with Jared Rutherford, owner and founder of The Rutherford Group, to break down every piece — from principal and interest to taxes, insurance, and beyond. 💬
Knowledge = confidence when buying your home.

09/10/2025

Rates dropped? It might be YOUR time to refinance. Ask me if it makes sense for you!

09/10/2025

Here’s where it gets important: if your insurance premium goes up, so does your monthly mortgage payment. Some carriers raise rates every year or sneak in unnecessary coverages that you don’t need. That means you could be overpaying without realizing it.

On the flip side, if you shop around and pick the right carrier, you can:
• Keep your monthly payment stable
• Ensure you’re properly covered in case of disaster
• Avoid surprise escrow shortages

08/19/2025

💡 Thinking about refinancing? The right time depends on your goals—whether it’s lowering your monthly payment, tapping into equity, or paying off your mortgage faster. Let’s talk about what makes sense for you!

Address

3502 Henderson Boulevard Suite 300
Tampa, FL
33607

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