Tell me the goal
Start with a conversation or secure application so I can understand the full picture.
Clear advice. Real access. More options.
Mortgages don’t have to be complicated.
I’ll help you understand your options, compare the numbers and choose financing that actually makes sense for you.
Jacob Schmittling · Senior Loan Officer · NMLS #1704947
Serving homebuyers since2017
Start with your goal
What are you looking to do?
You don’t need to know the loan program. Tell me where you’re trying to go, and I’ll help map the best way to get there.
01
Purchase
Buy a home
Understand your buying power, compare loan options and get a pre-approval built to compete.
Explore purchase options02
Refinance
Change your mortgage
Lower a payment, change your term, remove mortgage insurance or restructure debt—when the math supports it.
Review refinance goals03
Home equity
Use your equity
Explore a HELOC or home equity loan without automatically replacing your existing first mortgage.
See equity options04
Specialty
Invest or qualify differently
DSCR, bank statement, 1099, P&L and other solutions for investors and non-traditional income.
Explore specialty loansWhat happens next
A clear path from questions to closing.
You will always know what the next step is, why it matters and who is responsible for moving it forward.
Compare the paths
I’ll explain the practical options, tradeoffs and documentation each route requires.
Get prepared
We’ll build a dependable pre-approval and make sure the numbers are understood before an offer.
Stay informed
From contract through closing, you and your agent receive clear updates without having to chase them.
Why work with Jake
More options. Better guidance. One person you can actually call.
Through Amerify, I can compare a broad network of lenders and programs instead of trying to force every borrower into one company’s box.
Whether your loan is straightforward or anything but, I’ll explain the numbers, show you the tradeoffs and stay accountable from the first conversation through closing.
THE JAKE DIFFERENCE
01
Clear answers
You’ll understand the recommendation and the reason behind it.
02
Proactive communication
You won’t have to chase someone to learn what is happening with your loan.
03
Creative problem-solving
More lender and program options create more ways to solve difficult scenarios.
04
No call-center handoffs
You work with Jake—not a rotating queue of strangers.
A deeper toolbox
Sometimes the standard mortgage doesn’t fit.
From first homes to complex income and investment properties, we can build around the actual scenario.
Conventional
Flexible options for first-time and repeat buyers, with select programs starting at 3% down.
Learn moreFHA · VA · USDA
Government-backed programs with low- and zero-down-payment possibilities for eligible borrowers.
Learn moreSelf-employed
Bank statement, 1099 and profit-and-loss options when a tax-return-only approach does not tell the full story.
Learn moreDSCR & investor
Rental-property financing that can qualify from property cash flow, plus options for growing portfolios.
Learn moreHELOC & HELOAN
Access available equity for renovations, debt consolidation, investments or other major expenses.
Learn moreJumbo & Non-QM
Solutions for higher loan amounts and scenarios that fall outside the standard agency box.
Learn moreAlready own a home?
Let’s make sure a refinance actually improves the math.
We’ll compare payment, term, cash flow, closing costs and total interest—not just chase a headline rate.
Review my mortgageWant to understand the options before we talk?
Visit the resource centerPlan with your own numbers
Explore the questions behind the payment.
Choose a planning tool, enter your own assumptions and then review the complete picture with Jake.
No rate or fee is being quoted. Every result uses information entered by the visitor.
01
Your assumptions
Use the fields, sliders or quick choices.
?
Loan amount: $405,000
?
?
You supply this assumption. No current or available rate is implied.
?
Planning tool only—not a loan estimate or quote.
This calculator does not provide or quote an interest rate, APR, closing costs, discount points, lender fees or loan approval. Results are estimates based entirely on the assumptions entered and may not reflect actual loan terms, escrow requirements or eligibility. Contact Jake for a personalized review.
For current homeowners
Know what your mortgage can do next.
Request a complimentary value and equity check-in, then talk through the practical options with Jake.
01
A useful starting pointReview a current home-value range and the information needed to estimate equity.
02
Options in plain languageUnderstand how a HELOC, home equity loan, cash-out refinance or no change at all could differ.
03
A human reviewJake follows up personally so assumptions, costs and long-term goals do not get lost in an automated result.
Good to know: This is an informational mortgage review—not an appraisal, offer to lend or guarantee of available equity.
Complimentary
Request a homeowner check-in
Start with the basics. Please do not include account numbers, Social Security numbers or financial documents.
Real client experiences
Don’t take my word for it.
234 client reviewsPowered by Experience.com
“This was my second loan transaction with Mr Jacob Schmittling. He is very knowledgeable and professional, highly qualified and I would recommend him. Can’t wait for future business. Thanks, Jacob!”
“Jacob and his team are fantastic! He focuses on getting clients the best deals for their goals and is there every step of the way. I am truly impressed with his professionalism and can see why so many clients and real estate agents are loyal to and trust Jacob.”
“Jacob is a very professional, down-to-earth agent to work with. He was honest and very knowledgeable. I would highly recommend him.”
“Jake did an excellent job. He had the right number and was an incredible resource.”
“Jacob was amazing to work with! Always available, super knowledgeable, and genuinely willing to guide me through the whole process. He made buying my home so much easier and less stressful.”
“Jacob helped us out with our financing. All kudos to him and his staff for making our home purchase a pleasure. Thank you so very much.”
“Jacob is wonderful to work with. He is always quick to respond and willing to hop on a call to answer any questions. I would recommend Jacob to any of my friends and family.”
“Jacob was very helpful with the refinance and buyout process for our home! He made everything simple and quick. He answered all questions we had and kept us informed throughout the process.”
Latest reviews update automatically
For real estate agents
I want to make your job easier.
Fast pre-approvals. Clear communication. Creative scenario help. Financing strategies for buyers and listings.
About Jake
Mortgage help that feels human.
Hi, I’m Jake—a husband, dad and mortgage professional based in Tampa Bay.
I’ve worked in mortgage lending since 2017, and I’ve built my business around a pretty simple idea: people deserve to understand the biggest financial decisions they make.
That means answering the phone, explaining the tradeoffs, owning the details and looking for a better path when the obvious one doesn’t work. I help first-time buyers, growing families, veterans, homeowners, investors and self-employed borrowers across 14 licensed states.
Good questions welcome
Start with what you need to know.
Every strong mortgage decision starts with honest questions. If yours isn’t here, call or text me.
Ask Jake directlyHow much do I need for a down payment?
It depends on the loan and your goals. Some conventional options start at 3% down, FHA at 3.5%, and eligible VA or USDA buyers may have zero-down options. I’ll compare the full payment and cash-to-close—not just the minimum down payment.
Is 20% down required?
No. Twenty percent can eliminate private mortgage insurance on many conventional loans, but it is not a universal requirement. Keeping some cash in reserve can be the smarter move, so we’ll look at both approaches.
How quickly can I get pre-approved?
A straightforward pre-approval can often be completed quickly once I have a complete application and supporting documents. More complex income, credit or property scenarios may take longer because I would rather give you a dependable answer than a rushed one.
Does getting pre-approved affect my credit?
A full pre-approval may involve a credit inquiry. Before anything is pulled, I’ll explain what is needed and why so there are no surprises.
Can I qualify if I’m self-employed?
Very possibly. In addition to traditional tax-return qualification, there may be bank statement, 1099, profit-and-loss or other Non-QM options. The right path depends on how your income is documented and the full loan scenario.
Why work with Jake instead of one bank?
You get one person who can compare a broad mix of lenders and programs, explain the tradeoffs and stay accountable from the first conversation through closing. No call-center handoffs and no guessing where your loan stands.
Your next step
Let’s figure out your options.
Whether you’re ready to buy or just trying to understand what the numbers look like, I’m happy to help.