Jason Pughe at Guaranteed Rate NMLS #1801991

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Winter Park, FL
Jason Pughe at Guaranteed Rate NMLS #1801991

Sales Manager/Mortgage Loan Originator - NMLS # 1801991 - Licensed in FL - Former Football Scout I treat every client like family and put them first.

I joined the mortgage industry in 2002 and assisted retail and wholesale loan officers with locking in their rates and loan program structuring. I later transitioned to the mortgage wholesale side as an account executive. I came back to the retail side as a loan officer assistant and processor and in 2020, I became a loan officer. I was blessed to earn the “President’s Club” award in my first year

, and I also earned it the following year as well as the “CEO Circle” award at a previous company. In 2023, and 2024, I was able to earn the “President’s Club” award and make “The Scotman’s Guide’s” list of top mortgage loan originators in the nation for 2023 and 2024 as well. My vast knowledge on every aspect of the loan process ensures a smooth, stress-free experience all the way to closing. I was born in Winter Park, Florida and lived in Orlando until 2010 when my family moved to Charleston, SC. I have a wonderful wife that I’ve been married to for over 15 years and 3 beautiful kids and a rescue dog. We returned back to Orlando in 2018, and are surrounded by numerous family members that are also in the mortgage industry. I’m confident that you will not find anyone else out there that will work harder for you than I will. Feel free to reach out at any time or day. I look forward to hopefully assisting you in the future!

05/04/2025

That’s a wrap for the Annual Rate President’s Club trip for 2025! Many of us were stranded in Dallas for 10 hours due to weather but the company went all out and had a private jet come in and get us all to Punta Mita, Mexico. Starting in the mortgage business in 2004, and to coming back in 2020, I never thought any of this would be possible. God has blessed and had His hand on our business and connected us with the best realtors, and clients. Thank you to our team and leadership (Chris Hardiman, Nick Long, Ron Bergum, Walbert Rocha, Cooper Long, Jennifer Pavlick, Cammie Collins, Holly Kersey) and thank you to my wonderful wife Jennifer Pughe for making us a true team at work and at home. Most of all, thank you so much to our realtors and clients that allow us to assist you. Without your trust, we wouldn’t be able to do what we do. We appreciate each and every one of you.

05/02/2025

What's better, 3% down or three and a half percent down? The difference might shock you.

When choosing between conventional and FHA loans, the down payment percentage is just one piece of the puzzle. With conventional loans, first-time homebuyers or those within certain income limits can qualify for as little as 3% down, while FHA loans require 3.5% down.

But here’s the twist, just because FHA requires a higher down payment doesn’t always mean a higher monthly payment. Why? Because mortgage insurance works differently. FHA has a set mortgage insurance rate, while conventional insurance is based on your credit score. So, while you might have a higher interest rate with a conventional loan, your overall monthly payment could be lower due to the lower mortgage insurance costs, especially if your credit score is strong.

It’s not always about the down payment; it’s about the bigger picture. That’s why it’s so important to look at both options, FHA and conventional, to see which one works best for you.

Feel free to comment “FHA” or “Conventional” below, and I’d love to help you find the best loan option for your situation.

👉🏼 Follow me for more mortgage insights 👈🏼

Your go-to Loan Officer,
Jason Pughe
VP of Mortgage Lending | NMLS #1801991
C. (407) 448-7987
E. [email protected]

04/28/2025

Who is considered a first-time homebuyer?

In general, it’s anyone who hasn’t owned a home in the last three years. However, there are some exceptions you might not know about.

For instance, if you're recently divorced and were on the title with your ex-spouse, Fannie Mae on a conventional loan still allows you to be considered a first-time homebuyer.

Another loophole? The Florida Housing Down Payment Assistance Programs. If you’ve been renting a property for the last three years and can prove it with lease agreements or tax returns, even though you own a property, you might still qualify as a first-time homebuyer.

If this applies to you and you’re curious about the benefits of being a first-time homebuyer when it comes to securing a mortgage, let’s talk!

Comment "first time homebuyer" below and I’d be happy to chat.

Your go-to Loan Officer,
Jason Pughe
VP of Mortgage Lending | NMLS #1801991
C. (407) 448-7987
E. [email protected]

12/20/2024

Our team was blessed to assist 9 families in November. Thank you so much to our referral partners for continuing to trust us with your clients. We truly could not do this without you. Also a big thank you to our operations team Cammie Collins and Jennifer Pavlick for making sure that we always close on time.

12/04/2024

New loan limits for 2025!

11/19/2024

We are very thankful for these 9 families that our team was able to assist in October. Thank you to our referral partners for continuing to put your trust in us and allowing us the opportunity to help. We truly couldn’t do it without you. It’s almost the end of the year and we are seeing a lot of activity. If you have any mortgage needs, our team is always here to to help!

11/01/2024

You never know what can happen all the way up to closing!🤝💼

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10/31/2024

Happy Halloween everyone!👻🎃

10/26/2024

It’s a great time to look at homes. The weather is great, seller concessions are still a big part of this market, you can also take advantage of the homestead exemption opportunity before the year ends, and not have a mortgage payment until January of next year. Check out these wonderful listings currently on the market and please feel free to reach out if you have any financing needs.

10/24/2024

We’re that good.

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10/21/2024

While it is hard work and a lot goes on behind the scenes, our team makes it look easy and is built for speed.

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Address

1071 W Morse Boulevard
Winter Park, FL
32789

Telephone

+14074487987

Website

https://fusionhl.com/jpughe

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