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Conventional, FHA, VA, and JUMBO home loan solutions. As a wholesale residential mortgage company, Simplified Mortgage Solutions has the ability to offer home loans with rates, costs, and turn times, much more competitive than the big banks! Our funding partners include traditional and non-traditional lenders, including community, regional, and national banks, conduit lenders, agency lenders, agency lenders, mortgage REITs, life companies and private equity funds.
A Federal Housing Administration (FHA) loan is a home mortgage that is insured by the government and issued by a bank or other lender that is approved by the agency.
Designed to finance luxury properties in highly competitive local markets, jumbo mortgages come with unique underwriting requirements and tax implications.
No Tax Returns/No Transcripts
Credit Scores starting as low as 620
Loan Amounts up to $3MM
A program that helps seniors ages 62 and older convert the equity in their homes to cash while retaining the home's title. The homeowner can withdraw the funds in a fixed monthly amount, a line of credit, or a combination of both.
Get all the proceeds at once when your loan closes. This is the only option that comes with a fixed interest rate.
For as long as at least one borrower lives in the home as a principal residence, the lender will make steady payments to the borrower. This is also known as a tenure plan.
The lender gives the borrower equal monthly payments for a set period of the borrower’s choosing, such as 10 years.
Money is available for the homeowner to borrow as needed. The homeowner only pays interest on the amounts actually borrowed from the credit line.
The lender provides steady monthly payments for as long as at least one borrower occupies the home as a principal residence. If the borrower needs more money at any point, they can access the line of credit.
The lender gives the borrower equal monthly payments for a set period of the borrower’s choosing, such as 10 years. If the borrower needs more money during or after that term, they can access the line of credit.
A refinance, or "refi" for short, refers to the process of revising and replacing the terms of an existing credit agreement, usually as it relates to a loan or mortgage. When a business or an individual decides to refinance a credit obligation, they effectively seek to make favorable changes to their interest rate, payment schedule, or other terms outlined in their contract. If approved, the borrower gets a new contract that takes the place of the original agreement.
This is the most common type of refinancing. Rate-and-term refinancing occurs when the original loan is paid and replaced with a new loan agreement that requires lower interest payments.
Cash-outs are common when the underlying asset that collateralizes the loan has increased in value. The transaction involves withdrawing the value or equity in the asset in exchange for a higher loan amount (and often a higher interest rate).
A cash-in refinance allows the borrower to pay down some portion of the loan for a lower loan-to-value (LTV) ratio or smaller loan payments.
This type of refinancing requires the consumer or business to apply for a new loan at a lower rate and then pay off existing debt with the new loan, leaving their total outstanding principal with substantially lower interest rate payments.
A home equity loan, also known as a second mortgage, lets homeowners borrow money by leveraging the equity value in their homes
Fixed-rate loans provide a single, lump-sum payment to the borrower, which is repaid over a set period of time, usually five to 15 years, at an agreed-upon interest rate. The payment and interest rate remain the same over the lifetime of the loan.
A home equity line of credit (HELOC) is an adjustable or variable-rate loan that works much like a credit card and, in fact, sometimes comes with one to use for purchases on the line of credit. Borrowers are pre-approved for a certain spending limit and can withdraw money when they need it via a credit card or special checks.
Please fill the form to start the process for your equity loan.
With VA loans, veterans, service members, and their surviving spouses can purchase homes with little to no down payment and no private mortgage insurance and generally get a competitive interest rate.
VA home purchase loans help veterans to buy a home at a competitive interest rate. These purchase loans often do not require a down payment or private mortgage insurance.
Cash-out refinance loans allow mortgage holders to borrow against home equity to pay off debt, fund school, or make home improvements. This refinancing option offers a new mortgage for a larger amount than the existing note and converts home equity into cash.
Interest rate reduction refinance loans (IRRRLs), also known as VA streamline refinance loans, help borrowers obtain a lower interest rate by refinancing an existing VA loan. This is a VA-loan-to-VA-loan process that allows homeowners with an existing VA loan to refinance a fixed-rate loan at a lower interest rate or convert an adjustable-rate mortgage (ARM) into a fixed-rate mortgage.
The Native American Direct Loan program helps eligible Native American veterans finance the purchase, construction, or improvement of homes on federal trust land. Reductions in interest rates also come with these loans
We have direct access to wholesale commercial lending capital, offering ultra-competitive terms. With access to over 100 traditional and non-traditional commercial lenders, we have a commercial loan program for a full range of property types, with loan amounts ranging form $1,000,000 to well over $250,000,000. Our extensive source of funding partners include traditional and non-traditional lenders, including community, regional, and national banks, conduit lenders, agency lenders, mortgage REIT
We offer financing on multi-family projects ranging from small properties to large multi-building complexes comprising thousands of units.
We offer development, acquisition, and refinance loans for a broad array of industrial, flex and logistics properties.
We provides clients with diverse financing solutions for the development, acquisition, refinancing, and re-positioning of office buildings of all sizes.
We provide financing for a vast array of retail properties, including storefront, urban and suburban shopping strip centers, grocery-anchored and big-box store-anchored shopping centers, regional malls, large mall properties, and lifestyle shopping centers.
We provide financing for hotel, resort and other hospitality properties. Our programs allow for access to capital for nearly every hospitality property type, regardless of operator flag or location.
We provide financing for healthcare and medical properties of all sizes. We assist large and small, medial practices and hospitals, in obtaining commercial capital for acquisition, development, and refinance.
We provide financing options for mixed-use properties and planed urban developments comprising of small and large acreage.
We provide financing for owners and operators of self-storage facilities. Loan options consist of new development, acquisition, and refinance of existing debt.
We provide financing for assisted living facilities and senior housing. We offer loan programs for acquisition, development, and refinance.
Because mortgages don't need to be complicated!
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