Let's Bust Some Myths

What you think might be stopping you probably isn't true

Myth

"I need 20% down"

Reality

Many first-time buyer programs require just 3% down, and some require nothing at all. That $350,000 home? You might only need $10,500 down.

Myth

"My credit score isn't good enough"

Reality

FHA loans accept credit scores as low as 580, and some programs go even lower. Less-than-perfect credit doesn't automatically disqualify you.

Myth

"I can't afford it with student loans"

Reality

Student loans are factored into your debt-to-income ratio, but they don't automatically disqualify you. Many first-time buyers with student debt get approved.

Your Path to
Homeownership

We break it down into simple, manageable steps

1

Get Pre-Qualified

Find out what you can afford and what programs you qualify for. Takes just a few minutes.

2

Learn the Process

We'll educate you on every step so you feel confident, not confused.

3

Start House Hunting

Armed with your pre-approval, you can shop with confidence and make competitive offers.

4

Close & Move In

We handle the paperwork and details. You get the keys to your new home!

Programs Made for You

First-time buyers get access to special programs and benefits

Purchase Loans

Whether you're a first-time buyer or looking to upgrade, we have the right solution for you.

FHA Loans

FHA loans offer flexibility for low credit scores, higher debt-to-income ratios and offer a low down payment.

VA Loans

Low or no down payment, government insured loan for veterans and their families with competitive rates.

Conventional Loans

Competitive interest rates and terms without requiring a large down payment for well-qualified borrowers.

NON-QM Loans

A flexible mortgage option designed for borrowers who may not meet traditional lending guidelines, allowing alternative income verification methods and unique financial situations.

First-Time Buyers Just Like You

Real stories from people who thought homeownership was out of reach

Reviews

4.1

13 reviews

Write a Review

ABEL BOUQUETS

4 months ago

For about two years, we had been searching for our first home, fully aware that it wouldn’t be an easy journey. We came across more than one “loan officers” who did nothing but waste our time. We knew the process would be challenging, but it wasn’t until ...

For about two years, we had been searching for our first home, fully aware that it wouldn’t be an easy journey. We came across more than one “loan officers” who did nothing but waste our time. We knew the process would be challenging, but it wasn’t until God sent us Oscar Campos and his team at Simply Mortgage that everything finally changed. Just as their name suggests, they made the entire process simple. They treated us with respect, warmth, and genuine care. Their expertise is evident— they handle things so well that it almost seems easy, although we all know it’s not. Thank you to Oscar Campos and his dedicated team for turning our dream into a reality. We couldn’t have asked for better guidance or support.

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Uriel Resendiz

5 months ago

Oscar does it again! Always delivers, always professional, and makes the process smooth from start to finish. Communication is clear, response time is fast, and the results speak for themselves. I’ve worked with a lot of lenders, and Oscar continues to st ...

Oscar does it again! Always delivers, always professional, and makes the process smooth from start to finish. Communication is clear, response time is fast, and the results speak for themselves. I’ve worked with a lot of lenders, and Oscar continues to stand out every single time. Highly recommend.

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Juan Rivas

2 years ago

Maria Gutiérrez, Did a great job along with our agent Xavier Franco.Thanks both of you!!👍🏼

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Syrinthia Harrison

3 years ago

I worked with Shawna; she is very professional, knowledgeable, reliable, responsive, and amazing. She worked with me for over a year to ensure that I had everything I needed to purchase my home when the time was right. I could not have wished for a bett ...

I worked with Shawna; she is very professional, knowledgeable, reliable, responsive, and amazing. She worked with me for over a year to ensure that I had everything I needed to purchase my home when the time was right. I could not have wished for a better experience.

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Kunle Olofinboba

4 years ago

Shawna at Simply Mortgage was very helpful, friendly, and courteous. She was responsive to any question we may have. We are happy she was our loan officer and would recommend her and Simply Mortgage for the best rates.

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Mayra M

4 years ago

Shawna and Adela are very friendly people, Would recommend their services . Give them a call.

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Josefina Dominguez

4 years ago

Greatest experience for the second time. In 2017 they help us with our new home. The process was super fast! And now 2021 with the refinance process was even better. They have a great team, they supported us in every step. The process was well explained, ...

Greatest experience for the second time. In 2017 they help us with our new home. The process was super fast! And now 2021 with the refinance process was even better. They have a great team, they supported us in every step. The process was well explained, they just made everything easy, we never left home for paperwork. SIMPLY MORTGAGE will be my first choice in a very close future. Thank you SIMPLY MORTGAGE team....I truly recommend them. 😉

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