Mortgages Shouldn't be Hard - We Guide You Every Step of the way
Find the Perfect Mortgage Tailored to Your Needs
Understanding that purchasing a home is a significant investment in your lifetime, we provide customized mortgage solutions tailored to your financial situation. Whether you are a first-time buyer or seeking to refinance, our team of experienced lenders will guide you through every step. Discover our competitive rates and flexible terms to turn your homeownership dream into reality.
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Got questions? We're here to help! Whether it's about mortgage rates, plans, or the process, feel free to ask us anything. We're ready to guide you every step of the way!
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Cash Out Refinance?
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Simple Mortgage Solutions is Your Trusted Partner in Home Financing
At Simple Mortgage Solutions, we’re not just another mortgage company—we’re a direct lender who works with you from start to finish. Your journey to homeownership stays with us every step of the way. Unlike others, we don’t sell your information or pass you off to third parties. Instead, we focus on delivering personalized service and mortgage solutions that align with your goals, lifestyle, and financial plan.
Whether you’re a first-time homebuyer or a seasoned homeowner, we’re here to provide expert guidance, unwavering support, and the care you deserve throughout the entire process. With Simple Mortgage Solutions, you can trust that your homeownership dreams are in capable hands.
why choose us?
Life is Hard; Your Mortgage Shouldn't Be.
Your Journey to Homeownership Starts Here
We simplify the journey to homeownership. Our dedicated team is here to guide you through every step, providing expert advice and personalized support. Together, we’ll turn your dream of owning a home into reality!
Personalized mortgage solutions tailored to your needs.
Expert guidance throughout the entire buying process.
Competitive rates to help you save on your investment.
How Happy Are Our Customers?
what we offer ?
Effortless Mortgages, Realize Your Dreams
...we streamline the mortgage process to make your homeownership dreams a reality. Our tailored solutions and expert support ensure a smooth journey, empowering you to achieve your goals with confidence.
FHA
Federal Housing Administration (FHA) loans are government-backed mortgages designed to make homeownership accessible, especially for first-time buyers or those with less-than-perfect credit. They offer low down payments and more lenient qualification criteria.
Low down payment options, as low as 3.5%.
Flexible credit score requirements, often accommodating scores as low as 580.
Government-backed security for lenders, making it easier to qualify.
Conventional
Conventional loans are non-government-backed mortgages typically requiring higher credit scores and down payments. They are ideal for borrowers with strong financial profiles looking for competitive rates.
Down payments as low as 3% for qualified buyers.
No mortgage insurance required with 20% down.
Flexible terms with fixed or adjustable interest rates.
USDA
U.S. Department of Agriculture (USDA) loans are designed for low-to-moderate-income borrowers purchasing homes in eligible rural or suburban areas. They feature no down payment requirements and competitive interest rates.
No down payment required for eligible properties.
Income limits apply based on the local area.
Must be used for a primary residence in a USDA-eligible location.
VA
Loan
Veterans Affairs (VA) loans are government-backed loans for eligible military members, veterans, and their families. They offer no down payment, competitive rates, and no private mortgage insurance (PMI).
No down payment or PMI required.
Exclusive to eligible military members, veterans, and spouses.
Flexible credit and income requirements.
DSCR Loans For Investment Properties
Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors. They qualify borrowers based on the income generated by the property rather than personal income.
Qualification based on property income instead of personal income.
Ideal for investors building a rental property portfolio.
No employment verification or tax returns required.
Bank Statement Loans For Self Employed
Bank statement loans cater to self-employed borrowers who may not have traditional income documentation. Lenders assess income using bank statements rather than W-2s or tax returns.
Uses 12-24 months of bank statements for income verification.
No W-2s or tax returns required.
Flexible terms designed for self-employed borrowers.
Construction To Permanent
Construction-to-permanent loans finance the construction of a home and transition into a traditional mortgage once the home is completed. They streamline financing by combining both loans into one.
Covers both construction costs and permanent financing.
One-time closing process reduces costs and complexity.
Payments may be interest-only during the construction phase.
Cash-Out Refinance
Cash-out refinance allows homeowners to access their home’s equity by refinancing their mortgage for a larger amount than owed and taking the difference as cash. It’s often used for renovations, debt consolidation, or other financial needs.
Access your home’s equity as cash.
Potentially lower your interest rate while borrowing funds.
Flexible use of funds for renovations, debt payoff, or investments.
how it works
What you can expect
1. Consultation
Meet with a mortgage broker or lender to discuss your financial situation, goals, and loan options. Share basic information about your income, credit score, and homebuying plans.
2. Pre-Approval
Submit financial documents like income proof and credit details to get pre-approved. A pre-approval letter outlines the amount you can borrow and strengthens your position as a buyer.
3. House Hunting
Search for homes within your budget with a real estate agent. Make an offer on a property, contingent on lender approval.
4. Loan Application
Complete a formal loan application with your chosen lender. Update financial documents if necessary to finalize the application.
5. Home Appraisal
The lender orders an appraisal to verify the property’s value matches the loan amount. This ensures the lender’s investment is secure.
6. Underwriting
The lender reviews your financial details to assess eligibility and risk. Additional documentation may be requested to clear conditions for loan approval.
7. Loan Approval
Receive final loan approval after underwriting is complete. Review loan terms and costs outlined in the closing disclosure.
8. Closing Process
Sign final documents, pay closing costs, and complete the transaction. Once done, you’ll officially own your new home.
9. Post Close
Begin making monthly mortgage payments. Stay in touch with your lender for support or future refinancing options.
Frequently Asked Questions
What is the difference between a fixed-rate and an adjustable-rate mortgage?
A fixed-rate mortgage has a constant interest rate throughout the loan term, while an adjustable-rate mortgage (ARM) has an interest rate that may change periodically based on market conditions.
How do I know how much I can borrow?
Your borrowing capacity depends on various factors, including your income, credit score, debt-to-income ratio, and the type of loan you are applying for. Our team can help you assess your financial situation to determine the right amount.
What documents do I need to apply for a mortgage?
Typically, you’ll need to provide proof of income, tax returns, bank statements, identification, and information about your debts and assets. Our experts will guide you on the specific documents required for your application.
How long does the mortgage approval process take?
The mortgage approval process can vary based on several factors, including the type of loan and your financial situation. Generally, it can take anywhere from 3 weeks to 45days. We strive to make the process as quick and efficient as possible.
Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!
© Copyright Simple Mortgage Solutions LLC 2025. All rights reserved.
Simple Mortgage Solutions, LLC NMLS 1983670 is a licensed mortgage loan originator representing UWM Lending. Licensed in AR, TN, FL, LA, MS, CO