Congratulations on your decision to purchase! Whether this will be your first home, or you’re well versed in the real estate market, we’re on your side.

Getting a mortgage

Whether you are a first-time buyer or someone looking at a third or fourth property, at we believe that owning your home is a right that everyone should enjoy. That’s why we will do everything we can to make your home ownership dream a reality. We have a wide variety of lending options and mortgage services to choose from, covering every type of financial circumstance. Whether you are a first-time buyer struggling to make the down payment or are a couple approaching retirement and in need of a little bit of extra cash, we have you covered.

Find out how much you can afford when you pre-qualify

The first step towards getting a mortgage is getting pre-qualified. It is usually a simple process and means providing your lender with a detailed picture of your current financial position. It can be done over the phone or on the internet and should be a free service. You won’t be credit checked as the process is there to paint an overall picture of what you can and can’t afford. Once it’s completed, the lender should provide you with an overview of your options and a pre-qualification letter on whether they feel they will be able to approve you for a loan or not.

Finding the right advice with a mortgage broker or direct lender

We offer two options when it comes to negotiating your home loan. We can use either a direct lending approach, or, if applicable, we can arrange for a mortgage broker to work on your behalf. A broker works for the borrower to get him or her the best deal possible. They will assess the market as well as their client’s current financial state and negotiate with the right lender to get them the best deal possible. A good broker will have a wide variety of contacts within the market and be able to waive some of the normal application fees, thus saving the borrower money they otherwise would have had to spend. These contacts can also help if the borrower doesn’t have a particularly high credit rating and needs additional advice on where to go and what to do next. In other cases, you can expedite a loan closing by using a direct lending approach. At SFM we have underwriters on staff who can close your loan in as little as two weeks. With either approach, we can help you secure the best rate possible and close your loan quickly.

Get a helping hand with an FHA loan

If you are in the situation where down payments are proving too high or bad credit is prohibiting you from qualifying for a traditional mortgage, then an FHA-backed loan could be the option for you. As these loans are backed by the government they allow for lower down payments than normal and can be taken out by people with slightly poorer credit scores. Down payments are capped at 3.5 per cent as long as the borrower has a credit rating of 580 or higher. To qualify you will have to prove to your lender that you have been in full employment for at least two years.

The FHA also offer a second type of loan called the 203K loan, which is given to people who want to renovate or make improvements to their property . It is a specialized loan, backed by the Federal Housing Administration and works in a similar way to the normal FHA loan. It is available to both buyers and house that are seeking to refinance. It combines the traditional “home improvement” loan with a standard FHA mortgage, allowing homeowners to borrow their renovation costs.

How long should my mortgage be?

If you are fairly sure of qualifying for a mortgage the next thing you’ll have to do is decide how long you want that loan to be. Most people tend to choose between 15-year fixed-rate mortgages or 30-year fixed-rate mortgages. The advantage of the longer-term loan is that your monthly payments will be a little lower, although the overall amount you pay back will be higher. Alternatively you can apply for an adjustable-rate mortgage, where the interest rate is not fixed. The advantage of this is that the initial interest rate will be lower than most fixed-rate loans but these fees will rise significantly as the months and years go by.

Other options

There are a number of other mortgage options available, for people from specific backgrounds. One of these is a loan offered by the US Department of Veterans Affairs (VA) to people who have served in the military as well as their families. It works in a similar way to the FHA loan in that it is backed by the US government, so the lender won’t suffer any losses should the borrower fail to make repayments. It also comes with one other major benefit: borrowers are able to get 100 per cent refinancing for the price of their home, so they don’t have to make any down payment whatsoever.

People from rural backgrounds could potentially take advantage of a loan offered by the United States Department of Agriculture (USDA). Managed by the Rural Housing Service (RHS) it is aimed at people from rural backgrounds with low incomes who struggle to meet the minimum requirements of traditional mortgages.

Jumbo loans versus conforming loans

There is one other distinction we’d like to mention here and it concerns the size of the loan you are trying to borrow. A conforming loan is one that meets the underlying guidelines of Freddie Mae and Fannie Mac, two quasi-government organisations who back around 90 per cent of all loans in the US. A jumbo loan falls outside of this backing and is therefore seen as a much higher risk for the lender. For someone to qualify for the latter loan they must have an excellent credit rating. Jumbo loans will also have much higher repayment rates than those backed by Freddie Mae and Fannie Mac.

Why choose us?

At we have years of experience negotiating the best deals for our customers. We pride ourselves on our low rates and transparent practices. Whether you are after an FHA loan or a VA mortgage, we have the knowledge and enthusiasm to help you make the right decision for your current financial needs. Homeownership is our business and getting the right property for our customers is our passion.

If you have any questions about getting a mortgage, or simply want to know a little more about what we offer, please get in touch and we’ll do our very best to answer any and all questions.

Alicia Cruz

Thank you so very much for all of your help in securing our loan for our new home. You were organized, thorough and professional.  Making us feel like family made all of the difference.   We put our trust in Simple Fast Mortgage and you delivered when others could not.  Thank you for your patience as well.  Our hats off to you!  You will be recommended.

Lisa Ackerman

The team at SFM is truly professional but personable.  Simple Fast Mortgage stayed on top of every step and made the whole process pain free. They know what they are doing and are a tremendous asset in the home buying process. I would absolutely recommend them to anyone looking for support and guidance with their mortgage and purchase.  My previous attempt to get a mortgage elsewhere fell short because of 2 items on my credit report that should not have been there.  They helped me to correct that and then secured my mortgage.  My realtor now uses them with all her new clients as well.

Jacob Mason

These guys know what they’re doing!  My wife and I chose Simple Fast Mortgage to mortgage our second home, and they made the process faster and easier than we expected. Their rates were also much better than everywhere else we checked.  We closed on the scheduled date.   I can't thank you enough!

Brayden Aiden

I didn't actually think that I would be approved for a home loan, but the guys at Simple Fast Mortgage made it happen. My credit history was not so good, but somehow, they were able to get me a better than expected rate. I shopped around, but no one else's rates came close.  On point!

Christopher Joshua

They've got the name down right. Simple Fast Mortgage was really able to get it done quickly.  I was able to close in 31 days - exactly on schedule. The entire office was very responsive to my calls and emails, and my mortgage loan officer was very helpful and knowledgeable.

Anthony Joseph

My wife and I used SFM to refinance our home of 10 years. They were able to get us a significantly lower interest rate on our mortgage, with zero closing costs out of pocket at all. I can't speak to their service for first time loans, but if goes anything like their refinancing process, you'll be in good hands.

Dylan Gabriel

I had been considering refinancing my home for about 2 years before I actually made a move. The pros at Simple Fast Mortgage took me from nervous to confident in no time. The entire process was quick and painless, and I came out of it with a WAY better rate and money in my pocket.  I would definitely recommend SFM for your refinance!

Alexander Noah

I did a lot of rate shopping before choosing a company for my first mortgage. Simple Fast Mortgage was by far the best. The whole experience from start to finish was very professional. I really felt like this group really cared.  We had some obstacles along the way, but they were there every step to see it through.  I also told my cousin how happy I was and she is using them now.  I would recommend SFM highly.

Joshua Gavin

Home Mortgage Bank knows how to get it done! My loan officer set me up with a mortgage that I didn't even think was possible at my credit score. He found mistakes in my credit report and actually helped me get them corrected so that I could get a better deal than other banks were offering. The people at Home Mortgage Bank are honest and so helpful, and if I ever purchase another home, I'll be back.

James Anthony

These guys know the mortgage business inside and out.  They promised me a "simple fast mortgage," and delivered. They explained everything as we went through the process and I actually feel like I understand the real estate business better now.  The rates and fees were fully transparent from the very beginning.  Thanks a lot!!  I will definitely refer you guys to all my friends and family.

James Logan

I applied for a pre-qualification with Simple Fast Mortgage on a whim, just to see if I could even afford a house. One of their loan officers reached out to me after I submitted and we talked about my situation and what I was looking for. They showed me that I could afford my first home, and he was even able to put me in touch with realtors who specialized in my budget range. The closing experience was easier than I had been expecting. I will recommend them to my friends when they're ready to purchase.

Abigail Madison

Simple Fast Mortgage is the best by far! My finances are currently in a good place, but due to some mistakes I made years ago, my credit is still not very good. I was pretty concerned that this would impact my ability to secure a mortgage that would reflect my current situation, rather than my past, but we made it happen. I can’t thank this team enough for putting in the effort to get me a good rate after helping me with my credit.  Several other lenders couldn’t be bothered.  SFM really looked at my whole story and were able to get me a rate I didn’t even think would be possible.

Sophia Mia

I started the mortgage process with SFM before I really had any idea of what I could realistically afford. They explained everything as we went and even put me in contact with a couple of real estate agents who knew what I should be looking for. I closed on my home a month ago and I couldn’t be happier!  Still amazed that they had a much lower rate that anyone.

Ava Emma

The incredibly professional staff at Simple Fast Mortgage has been so helpful and professional throughout my refinancing process. My home and neighborhood has appreciated considerably since I purchased 5 years ago, and they were able to readjust my rate to make more sense for me and my future. They are exceptionally knowledgeable and explained everything as we went. I will definitely be recommending them to my friends!

Angel Jolin

I am happy to be a new homeowner, and even happier that I chose Simple Fast Mortgage to guide me through the process. What a great experience! They made the whole process so simple that I was able to close on my dream house in about a month. SFM's rates, knowledge, and professionalism are top notch, and I’ll be recommending him to all of my friends who are looking to buy a house.

Angela Buttacavoli

Everyone promises to have the best rates in the business, but SFM actually delivers. I had several offers to choose between, but Simple Fast Mortgage made the difference not only with the rate but also with the service. My loan officer got me an awesome rate with zero surprises at closing as promised. They really know how to get things done, fast, easy, and under-budget.

Neil Hawkins

Great service! After watching several of my friends purchase their first homes, I was prepared for a long and stressful process.  I’m happy to say I did not have that experience with SFM.  The team was so helpful and proactive with the approval, paperwork, and closing. The lenders at Simple Fast Mortgage are so knowledgable and courteous with my best interest in mind.  I will definitely be passing on a good word.

Paul Kramer

SFM is simply the most professional and knowledgeable mortgage company that I spoke to during my incredibly long house hunt. My wife and I love our new home, and we are incredibly grateful for their expert guidance throughout the process.  Our credit was an issue.  They helped us correct them quickly and showed us exactly how at no extra charge.  This actually took quite a bit of time and effort.  We were able to close and at at decent rate!

Kate Aldridge

Simple Fast Mortgage is the best! I’ve moved several times for work, and this has by far been my best purchasing experience. I’ve been through this process several times, and these lenders are definitely more willing than others to go the extra mile for his clients. This is the best mortgage rate I’ve ever gotten and the fastest close as well! They are the best in the biz because they actually care and work WITH their clients.

Kat Graham

The team at SFM embodies friendly professionalism. Our loan officer worked with me and my husband to figure out our finances and purchase our dream home. With our combined credit scores, we had been offered some pretty high rates in the past, but our lender took so many factors into account that we were able to close without fearing for our financial future. They made a complicated endeavor such a pleasure.

Ian Dunst

Simple Fast Mortgage is truly a pleasure.   They set me up with a mortgage rate that I didn't even think was possible at my credit score. My loan officer found mistakes in my credit report and actually helped me get them corrected so that I could get a better deal than other banks were offering. Very good and transparent with every fee.  If ever I need another mortgage I will definitely be back.  I am greatful.