Simplicity Mortgage is a company designed especially for the borrower. Simplicity Mortgage does not advertise, rather, we do business "by referral only". This means that we rely solely on referrals of new clients from happy, previous clients and from other professionals within the housing and finance industry. In order to earn these referrals, Simplicity and its staff must provide service and rates that exceed the customers' expectations.

At Simplicity, the loan consultant “owns” your loan from start to finish. At most other companies, the person you meet is a salesman. He or she will take your information, sell you on today’s popular program and quote you a rate. Once the application is complete, the loan file is transferred to an administrative person, then to a processor, then to a junior underwriter, then to an Sr. underwriter, then back to the processor, then to a closing document specialist. At Simplicity exactly one person touches your file. There are no communication breakdowns, no in-box delays, no waiting for calls back, no personality conflicts. Nobody goes home until the work is done. In short, nothing “falls through the cracks”.

There are many great lenders that can finance your home. The trick is finding the right one. Some offer great rates, some offer good service, some offer true niche programs. Very few offer all of the above all of the time. A mortgage broker’s job is to pick the best lender with the attributes that best fulfill your needs. Maybe you’re building a house; Lender A offers a 6 month ratelock with a float-down option. Maybe your credit isn’t perfect; Lender B is more flexible in that respect. Maybe you want an interest-only payment option; Lender C has the best rates for that. Maybe you’re the perfect buyer; let’s see with which lender I can negotiate the best terms for you.

Simplicity Mortgage has contracts with over 25 lenders. Many are household names that you’re familiar with (Contracts do not allow me to publish lender names in advertising). More importantly, there are many that you’ve never heard of: niche lenders in Oregon, low price lenders in Florida, private portfolio lenders in Texas. Simplicity spends hours examining lenders, reviewing guidelines, poring over rate sheets, interviewing underwriters, obtaining references, evaluating service, etc. so you don’t have to.