Your Key to a
Smarter Home Loan
First-time buyer? Self-employed? Need a NON-QM loan? Looking to purchase or refinance? I'll find the right loan for YOUR situation.
Or call me directly: (561) 726-0601
NMLS# 1993619 · Equal Housing Lender · This is not a commitment to lend.
Find the Right Loan for You
Every borrower's situation is unique. Choose your path below to learn about the best loan options for your needs.
FHA Loans
Conventional Loans
Self-Employed
VA Loans
Investor Loans
Why Florida & Texas Families Choose Jonathan
I Shop 25+ Lenders For You
Unlike a bank that only offers their own products, I'm a broker with access to over 25 wholesale lenders. This means I find the best rate and terms for YOUR situation — not just what one company happens to offer.
You're Not Just a File Number
Buying a home is personal. I take the time to understand your goals, answer your questions (even the ones you think are dumb), and guide you through every step. You'll always reach me directly — not a call center.
I Know Pinellas & Hillsborough County
I live and work here. I understand the Florida real estate market, local lending timelines, and the unique challenges self-employed borrowers and NON-QM clients face. Local knowledge means better solutions for you.
What My Clients Say
“I recently worked with Jonathan, and the experience was excellent from start to finish. He was very responsive, answered every question clearly, and kept me informed at each step of the process. What stood out most was how he proactively flagged potential issues before they became problems and made sure we closed on time without any surprises. His primary focus was on me, and only had my best interests in mind. If you're looking for a loan officer who's knowledgeable, communicative, and genuinely looks out for your best interest, I'd highly recommend Jonathan Ashkenazy!”
“I had a great experience working with Jonathan. He was knowledgeable, responsive, and made the entire process feel straightforward and stress-free. Communication was excellent from start to finish, and he was always available to answer questions and explain our options. We would absolutely recommend him to anyone looking to purchase or refinance a home.”
“I can't recommend Jonathan highly enough. He is efficient, professional, knowledgeable, and a pleasure to work with. He made the mortgage process feel seamless and stress-free, always staying responsive and on top of every detail. I look forward to working with him again in the future and would highly recommend him to anyone looking for an outstanding mortgage broker.”
“I worked with Jonathan as my lender and I can't say enough good things about my experience. He was incredibly prompt, and always ready at a moments notice. He also was incredibly communicative and laid out all of the process very precisely. Any questions I had were answered clearly and helped me make the best decisions possible. Overall, as a first time home buyer, I couldn't genuinely see my first house being this smooth without him. Thanks again to Jonathan.”
“Jonathan is the real MVP! I came to him with a pretty complex loan need and like a boss he made it happen. Amazing, personalized communication made everything seamless. He is knowledgeable and helped me secure a great deal. Thank you Jonathan!”
“Jonathan was a HUGE help! He was super communicative and very professional. He made the loan process a breeze and I will definitely be using him again. Highly recommend!”
Hi, I'm Jonathan Ashkenazy
I've helped families throughout Pinellas County, Hillsborough County, and across Florida and Texas achieve their dream of homeownership. I specialize in working with first-time buyers, self-employed professionals, and clients who need NON-QM loan solutions — people who've been told "no" by other lenders.
There's almost always a path forward — let's find yours. When I'm not helping clients, you can find me hanging out with my family or taking in the Florida sun.
How I Work With Clients
Direct Access — Always
You have my direct phone number and email. You'll always be able to reach me — no call centers, no automated systems. I respond within a few hours during business hours and am available for urgent questions beyond that.
Transparent Process
I walk you through every step of the mortgage process and explain what's happening and why. No surprises at the closing table. You'll always know where your loan stands and what's coming next.
100% Remote — Fully Digital
Everything can be completed online and over the phone. Application, document collection, e-signatures — it's all digital. I serve clients throughout Florida and Texas without requiring in-person meetings.
Proud to Serve Florida & Texas
I'm licensed in Florida and Texas, with deep expertise in the Tampa Bay market. I serve clients remotely throughout both states.
Quick Answers
Have a question? Here are the most common ones. Don't see yours? Just ask.
As little as 3.5% with an FHA loan, and there are down payment assistance programs in Florida that can help cover even that. Some conventional loans allow as little as 3% down for qualified borrowers.
FHA loans accept credit scores as low as 580. Even if your score is lower, let's talk — NON-QM and alternative programs may still have options for you. Conventional loans typically require 620+.
Most pre-approvals take 24–48 hours once I have your documents. In many cases, I can get you a same-day pre-approval letter.
Nope! Everything can be done online and over the phone. I work remotely and serve clients throughout Florida and Texas. We can meet by video call, phone, or email — whatever works best for you.
Yes — Jonathan Ashkenazy is a licensed mortgage lender who lives in Pinellas County, FL and services clients throughout all of Florida and Texas. Whether you're in Tampa Bay, Miami, Orlando, Houston, or anywhere in between, Jonathan is ready to help. NMLS# 1993619.
Jonathan Ashkenazy is a local mortgage lender in Pinellas County, FL. You can reach him directly at (561) 726-0601 or fill out the online form for a free consultation.
Ready to Take the First Step?
Schedule a free, no-pressure consultation. We'll review your situation, discuss your options, and find your key to a smarter home loan.
NMLS# 1993619 · Equal Housing Lender · This is not a commitment to lend.