We provide mortgages that are easier and cost you less.

Simple as that.

Whether purchasing or refinancing your home, our modern mortgage process saves you time and money by eliminating the clutter.

Google Rating
5.0 ★ ★ ★ ★ ★
Read more reviews here

Other lenders make mortgages complicated and expensive.

You have better things to do than hunt down extra documents and worry about how much your loan is costing you, all while trying to get a hold of someone to talk about it.

What makes Simplify Mortgage so different?

Here's how we make purchasing and refinancing a home easier for you:

Reduced Costs

Simplify Mortgage doesn't charge you any fees. Big banks and lenders spend millions on advertising and you end up paying the bill for it.
Less Paperwork

We'll only request the bare minimum of documents needed to get your loan approved.
Single Point of Contact

You won't be passed from one person to the next on a conveyor belt. You'll have one single person to call for any question or concern.
Only Mortgages

Other companies want your information so they can sell it and market other products. We only offer mortgages and never sell your info.

Customer Reviews

"amazing experience"

We had an amazing experience with Simplify Mortgage. John is hands-down the best. His customer service skills are unparalleled. He walked us through the process and went above and beyond to make sure that all parties had complete transparency during every step. He was extremely responsive and his attention to detail was impressive. I highly recommend Simplify Mortgage and will be using John again next time we apply for a mortgage.

"working in our best interest"

We are so grateful that we received a recommendation to work with John at Simplify Mortgage! We had a great experience and knew that we could really trust that John was working in our best interest. John was very responsive throughout the process and provided clear and detailed answers to any questions that we had throughout the process. I highly recommend working with John and I can't thank him enough!

"I can count on him"

I'm a realtor so I meet lenders quite often. John is exceptional. He is the pinnacle of professionalism, and knowledge. I can count on him when I send any of my friends or clients to him. I know that they will receive the absolute best service that can be provided.

"I felt comfortable"

John was wonderful to work with. He was very quick to respond to any questions we had and he did a great job of explaining the process. I felt comfortable to reach out with any small detail. That is so important when dealing with home loans. Thank you John for being awesome!

"incredibly helpful"

John and the team at Simplify Mortgage are amazing. They were incredibly helpful and professional in answering our questions and guiding us through the home-buying process, and they helped us secure a fair rate for our new home.

FAQs

Will I have enough money for the down payment and closing costs?

Many people believe they need 20% down payment and huge amount for closing costs to buy a home. With Simplify Mortgage, you may have options starting at 0% down (VA or USDA loan) or 3% (conventional loan). With no fees on our end, you simply pay the down payment plus third party fees required with buying any home (mostly title, appraisal, insurance and taxes). We’ll provide the most accurate estimate possible on day one for the amount you’ll need to close.

Are there any hidden fees or costs that won't show up until it's too late?

Simplify Mortgage does not charge any origination fees or points. We do our best to estimate third party fees (mostly made up of title, appraisal, insurance, taxes) from the very first day we discuss your loan. Any changes to fees or costs would come from those third parties that you’ve chosen to work with, not from our end.

If Simplify Mortgage doesn't charge any fees, how do they make money?

We understand why people ask this question because we’re all a little wary of things that appear too good to be true. The reality is that Simplify Mortgage is paid by the lender. The lender provides wholesale rates to us, we add our margin to that and those are the rates you receive as a borrower. Our margin is significantly lower than our competitors, so your rate ends up being lower than other brokers or even the lenders themselves can offer. For the same reason, we charge $0 in upfront “junk fees” while our competitors average $2,525 in fees* per loan. (*2024 Home Mortgage Disclosure Act data)

How do I know if I'm getting the best rate available?

As a broker, Simplify Mortgage is able to shop over 85 lenders for the right rate and program to fit your needs. We don’t have huge advertising and marketing bills (no stadiums or national commercials here) so we’re able to earn less on each loan and pass the savings on to you.

What kind of documents will I need to get a mortgage?

For most borrowers, paperwork needed is pretty minimal. You’ll usually want to gather W2s for the prior year or two, your most recent pay stub, bank statements from the past couple of months from the account you’ll use for down payment and a photo ID. Some borrowers may have more complicated situations (self employment, other properties owned) that require additional documents, but these are the basics for many loans.

Will my credit history affect my ability to get a loan?

Credit is an important factor in getting a mortgage, there’s no denying that. However, you don’t need to have perfect credit in order to buy a home or save money with a refinance. With options starting at a 580 credit score, there are plenty of loans available. Of course, your loan terms are better with higher scores, but it’s not a barrier to getting a loan for most borrowers.

How long does the mortgage process take?

This one is easy! For home purchases, most contracts are roughly 30-45 days. At Simplify Mortgage, the average borrower is fully approved in 13 days after the receipt of the contract. That means on most loans we have weeks to spare for an early closing or a stress free on-time experience. For refinances, the average time is even shorter. Some other lenders require at least 60 days to close.

What if I get denied for a mortgage after I've found a home I love?

When you have a preapproval letter from Simplify Mortgage, you’ll have the utmost confidence that your loan will close. Over 99% of preapproved borrowers gain loan approval when they that enter a contract using a preapproval letter from Simplify Mortgage. The other 1% involve factors outside anyone’s control. Nothing in life is guaranteed, but getting preapproved with Simplify Mortgage is about as close as you can get.