Licensed and lending in 9 states.
We combine the pricing power of an independent mortgage company with deep regional nuance. Select your state below to review active loan programs, initial pilot markets, and local contact details.
Explore Our Licensed Lending Footprint
Hover or click any highlighted state across the Southeast, Texas, and Colorado to inspect active programs, localized pilot markets, and instant scenario reviews.
Tennessee
Tennessee is our home market. From cabin investors in Sevier County and fast-growing subdivisions in Greater Nashville to custom mountain builds in East Tennessee, we provide high-touch mortgage solutions tailored to the Volunteer State.
HQ home state: Deep local builder relationships, custom land developments, investor short-term rental networks (Smokies & Nashville).
Tennessee
Tennessee is our home market. From cabin investors in Sevier County and fast-growing subdivisions in Greater Nashville to custom mountain builds in East Tennessee, we provide high-touch mortgage solutions tailored to the Volunteer State.
- DSCR Rental Property Loans
- One-Time Close Construction
- Purchase Mortgages
Florida
Florida is one of the nation's premier rental and relocation markets. We support real estate investors scaling short-term and long-term rental portfolios with DSCR loans, as well as luxury buyers securing jumbo financing across the Sunshine State.
- DSCR Loans
- Purchase Mortgages
- Jumbo Loans
Texas
In the booming Texas triangle, speed and program versatility are paramount. Whether financing build-on-your-lot construction in North Texas or executing 1031 exchange DSCR acquisitions in Houston and San Antonio, SMS delivers execution.
- DSCR Loans
- OTC Construction
- Purchase Mortgages
Mississippi
Mississippi offers strong land-to-build opportunities and stable rental yields. Our One-Time Close construction loans and purchase preapprovals help local builders and buyers close without friction.
- OTC Construction
- Purchase Mortgages
- DSCR Loans
Alabama
From Huntsville's booming tech corridor to coastal rental markets along the Gulf, Alabama is a key growth state for Simple Mortgage Solutions. We provide structured construction and investor financing.
- OTC Construction
- Purchase Mortgages
- DSCR Loans
Georgia
Georgia's diverse economic engine demands flexible lending. We assist luxury homebuyers with jumbo financing in Metro Atlanta and Savannah, alongside aggressive DSCR rental solutions for investor portfolios.
- DSCR Loans
- Purchase Mortgages
- Jumbo Loans
Arkansas
Driven by Northwest Arkansas's rapid growth and steady markets in Little Rock, we deliver streamlined purchase pre-approvals, custom construction draws, and investor cash flow loans.
- OTC Construction
- Purchase Mortgages
- DSCR Loans
Louisiana
Navigating Louisiana financing requires local expertise and reliable underwriting. We help families purchase homes with confidence and support investors acquiring rental properties across the state.
- Purchase Mortgages
- OTC Construction
- DSCR Loans
Colorado
Colorado's higher property values and entrepreneurial demographic require sophisticated lending. We specialize in jumbo financing with flexible asset documentation and DSCR options for mountain and urban rentals.
- Jumbo Loans
- Purchase Mortgages
- DSCR Loans
Simple Mortgage Solutions, LLC is authorized under NMLS #1983670 in TN, TX, FL, GA, AL, MS, AR, LA, and CO. Program guidelines, maximum loan limits, and available loan terms may vary depending on state lending statutes and individual property types.