Josh Jampedro
Broker/Owner at Home Loan Advisors
Submitting An Offer!
Hi, I'm Josh! It is a pleasure to meet you and I am looking forward to working together.
About Me
Josh Jampedro is a Tampa-based mortgage advisor who helps homebuyers and homeowners make strategic financing decisions.
With 1,000+ closed transactions and a decade of mortgage experience, Josh operates more like a financial advisor than a traditional loan officer, focusing on how each mortgage impacts overall wealth rather than just monthly payments.
He specializes in complex lending scenarios including VA loans, investment properties, delayed financing, and refinance strategies that maximize net worth. Josh partners with financial planners and real estate agents to provide clear, strategic mortgage guidance.
His client for life approach includes annual mortgage reviews and ongoing support, ensuring clients stay in the best financial position as their lives and the market evolve.
Submitting An Offer On Your Listing
Hello,
My clients are submitting an offer on your listing and they are fully pre-approved. Below is a summary of the underwriting we have already completed:
CREDIT
We have obtained and reviewed a full credit report from all three bureaus: Experian, Equifax, and TransUnion.
INCOME
We have collected and analyzed all income documentation for the borrowers confirming current employment status and documenting base pay, overtime, and bonus income over the past few years.
Although this is typically done during underwriting, we complete this step upfront to help ensure there are no miscalculations at the time of pre-approval.
ASSETS
We have verified the borrowers’ assets, including a minimum of sixty (60) days of account statements. We have confirmed that there are no unexplained large deposits and that all funds are eligible to be used for this transaction.
AUTOMATED UNDERWRITING SYSTEM (AUS)
We have submitted the loan file through the Automated Underwriting System. The loan received an approval that aligns with Fannie Mae/Freddie Mac guidelines, consistent with what is required for an official bank commitment.
APPRAISAL
We understand how critical the appraisal is to a successful closing. Our company uses the 3 largest and highest rated Appraisal Management Companies (AMC’s) in the state. This means the appraiser will be selected from a panel of local, experienced, vetted appraisers familiar with the market.
$5,000 SELLER GUARANTEE
We take our pre-approvals seriously. Every buyer we approve undergoes thorough due diligence upfront. Our promise to you is simple: if a buyer was not truly qualified at the time of pre-approval due to negligence on our part, we will pay your seller $5,000. This guarantee applies to our underwriting process, it does not cover circumstances outside our control.
COMMUNICATION
My team and I will keep you informed throughout the transaction. You will receive live updates every Tuesday morning and also when:
- The loan disclosures are sent to the buyers
- The loan is submitted to underwriting & conditionally approved
- The appraisal is ordered and completed
- The file is “clear to close”
You will never be left wondering where things stand.
WHO YOU WORK WITH MATTERS
I always say: Who you work with matters. I’ve attached additional information about my background and experience as a mortgage lender for your review. If you have any questions at any point, I am always available by phone, email, or text.
I look forward to working together and seeing you at the closing table.
Your Local Lending Partner,
Josh Jampedro
