Schedule
Call/Text
Apply Now
Schedule
Call/Text
Apply Now
Simpler Home Loans can help you reach your goals.
Buying your first home? Want to get the most out of the one you already have? Whatever your goal, we’ll help you find the right loan for you
The 1% Down Program
Built to make buying your home simply more affordable. You only need 1% down payment. Receive a 2% grant applied at closing.* You will also have lower mortgage insurance.1
30 YEAR FIXED CONVENTIONAL
This is what most of our clients end up choosing when buying or refinancing a home. This keeps payments as low as possible without having to worry about your principal and interest payment going up for the entire 30 years. Allows you to buy a home with as little as 3% down.
Lowest Payment
FHA MORTGAGE
Buy or Refinance with not-so-perfect credit with this type of mortgage. This also allows for a higher debt-to-income ratio than a Conventional mortgage. Buy a primary home with as little as 3.5% down.
Easier to Qualify
VA MORTGAGE
For eligible current and previous service members of our military. Buy a primary home with as little as 0% down payment and without having to pay mortgage insurance.
Eligible Military Members
15 YEAR FIXED CONVENTIONAL
This type of loan saves you a lot of interest by cutting the term in half compared to a 30 year fixed. It does mean you have a higher monthly payment since the term is shorter. Buy a home with as little as 5% down or refinance to a lower rate and cut your term in half.
Saving Interest
HOME READY & HOME POSSIBLE
Buy or refinance a home with a more affordable interest rate and mortgage insurance rates. Income limited to 80% of AMI in the county of the home you are buying.
Affordability
ADJUSTABLE RATE MORTGAGES
Buy or refinance your home with an with an interest rate that will be fixed for the first 5, 7, or 10 years. Your rate will then adjust every 6 months. The interest rate can be lower than other types of loans.
Short Term Savings
JUMBO LOANS
For loan amounts that exceed conventional loan limits. Typically loan amounts exceeding $766,550 in most US counties except higher-cost areas which are loan amounts exceeding $1,149,825.
Larger Loan Amounts
HOME EQUITY LINES & LOANS
Access the equity in your home without having to refinance your current 1st mortgage. This can be through a Home Equity Line, which allows you to borrow and payback, or a Home Equity Loan.
Getting Cash Out
NON-QM LOANS
From DSCR (Debt Service Coverage Ratio) to Bank Statement Loans and more. Out of the box home loan solutions.
Outside The Box