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Simple Home Loans + Refinancing

Working to get the right mortgage for you.

  • Save Time & Stress

    Don’t stress about filling out multiple applications. We are a one-stop-shop that carefully vets loans to get you the most competitive options, in half the time of our competitors.

  • Save Money

    Most large lenders compete with each other to earn business from mortgage brokers, we pass this savings over to our clients ensuring that they get the most competitive deal possible.

  • Get Excellent Care

    Mortgages do not need to be a headache. We have a proven track record of offering our clients the most seamless, dare we say “fun” buying experience.

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Service Options No Matter Where You’re At

Purchase Ready

Whether a first time homebuyer or seasoned investor we have many options to explore.

Cash Out Refinance

Use the equity in your home for multiple purposes, home improvements, debt consolidation or large upcoming expense.

No Cash Out Refinance

Simply obtain a better interest rate and payment, eliminate PMI or shortening the number of years to pay.

Construction

Looking to build your dream home? Ask about our construction loans

Construction Permanent

Looking to build your dream home? Ask about our construction loans

Investment Properties

Wide variety of mortgage products for an investor to choose from.

Not Sure What Loan is best for you?

Get an overview of your options, and we’ll help you through the process.

    • Most common mortgage product

    • Fixed terms from 10-30 yrs

    • Easier underwriting leads to faster closing

    • Can be used for all types of homes 1-4 unit dwellings

    • First time homebuyers allow for minimal down payment

    • Eliminate mortgage insurance faster

    • Choice of no monthly escrow collections

    • Perfect for the 1st time homebuyer

    • low down payment options

    • Refi for higher loan to value

    • Lower minimum credit score requirements

    • More relaxed underwriting requirements

    • no down payment required (in most cases)

    • No monthly mortgage insurance

    • Lower minimum credit score requirements then conventional

    • Higher loan amounts available

    • More relaxed debt ratio requirements

    • Assumable mortgage

    • Loans above the county loan limit

    • Our Jumbo options provide more relaxed guidelines

    • Typically used for homes with higher purchase price

    • These are loans that fall outside of your normal conventional, FHA or VA guidelines

    • Perfect for self-employed or investors

    • Verify income based on – bank statements, P&L, 1099 or assets

    • Investments properties- less paperwork to acquire investment properties

    • More features then traditional mortgages

    • Access home equity without touching 1st mortgage

    • Can be combined with a purchase, for down payment assistance

    • Tap into more equity in your home

    • Perfect for consolidating high interest debt or home improvements

Take it from our clients…

  • Darbie G. Said,

    “I was a first-time home buyer and was very unfamiliar with the whole process. Steffen was very patient, educational, and informative. He listened well to what we wanted and our situation to provide excellent advice to help us pick a loan that worked best for us. He is extremely knowledgeable and has your best interest in mind!! A trustworthy guy who has got your back!! So so so great!”

  • Alex G. Said,

    “Steffen was excellent. Answered all the questions, was communicative, and made the process very simple. Steffen thoroughly explained each step of the process and helped me feel confident that I was making the right decisions.”

  • Haley H. Said,

    “Steffen did a wonderful job breaking down the lending process for my partner and I. We were first time home-buyers and going in unrepresented which made it a bit more daunting. However, Steffen did an incredible job communicating exactly what was needed on our end for a seamless lending process. I can't recommend working with him enough!”

  • Jessica S. Said,

    “I know many lenders, they get the job done, but Steffen finds solutions where other lenders don’t. He always answers the phone, is proactive, but if issues come up, he handles it. I don’t have to chase Steffen down for an update, he is miles ahead of everyone. There were so many other issues going on trying to buy my dream house, it’s nice to have a lender you trust to get you to close no matter what! He always knows something others are missing, don’t decide on a lender without giving him a call!”

Free Mortgage Calculator

Crunching the numbers? We’re here to make it easy! Let this be your one stop shop.