Answers in plain language

Start with a quick conversation or one of our calculators. A loan officer then reviews your goals, income and credit to recommend a program and pre-approve you.

Using our calculators and chat involves no credit check. When you are ready for pre-approval, your loan officer will explain any credit check before it happens.

Usually income documents, recent bank statements and photo ID. Each loan page lists what that loan type typically needs.

A broker compares loan programs from multiple wholesale lenders, helps you choose one, and manages the process through closing. We are not the lender.

One application gives you access to options from several lenders, so you can compare programs instead of being limited to one bank’s products.

Simp Mortgage LLC is registered with NMLS (ID 2695475). You can verify any mortgage company or loan officer at nmlsconsumeraccess.org.

They typically include lender fees, title insurance, Florida documentary stamp taxes and intangible tax on the mortgage, recording fees and prepaid items. Try our closing cost estimator.

Compare the Loan Estimates side by side, including the rate, APR, lender fees and cash to close, not just the monthly payment.

Many loans close in about 30 to 45 days. Complete documents and a quick response to requests help the most.

A loan that qualifies mainly on whether the property’s rent covers its payment, rather than your personal income.

We can review commercial scenarios and talk through financing options. Commercial financing availability varies by property type, borrower qualifications, lender eligibility and applicable licensing requirements.

Many investment and commercial programs allow it. Requirements vary by lender and program.