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Mortgage Knowledge.   Industry Updates.   Market Insights.   Local Happenings. 


Lock in your mortgage rate today!

Updated: Jun 15, 2021

FHFA Adverse Market Fee to be effective by most lenders in Sept!

We wanted to share some important information that could save you money on your mortgage. There are changes on the horizon that could increase mortgage costs for those looking to refinance.

2020 has been a year full of uncertainty and the mortgage industry is no exception.

The Federal Housing Finance Agency (FHFA) has finalized an adverse market fee that is to become effective this year. The fees will be implemented to cover projected COVID 19 losses and expenses of actions taken to protect renters and borrowers. These additional fees will likely increase the overall cost of a mortgage.

There is still time to lock in an amazing interest rate!

These new policies haven’t been implemented just yet and interest rates remain at historic lows. Check out Simplicity's rates for today at

In the market to purchase or refinance? Seize the day!

Don’t miss the opportunity to lock in a low rate and save on your mortgage for years to come. Give Simplicity Mortgage a call to discuss your financing options at 386.401.9000

Refinance with Simplicity Mortgage in Port Orange, Florida
Refinance before the adverse fees raise rates

Simplicity Mortgage is a local mortgage broker company located on 411 Dunlawton Avenue in Port Orange.

We serve borrowers looking for loans in Volusia, Flagler, Orange, Duval counties, Palm Coast, Ormond Beach, Ormond by the Sea, Daytona Beach, Daytona Beach Shores, Port Orange, Ponce Inlet, New Smyrna Beach, Orlando, Jacksonville and surrounding areas.

Simplicity has a portfolio of over 20 lenders, which allow us to find the best home loan product for a borrowers unique purchasing scenario. Our mission is to provide a simple and smooth customer experience coupled with an excellent rate and low fees. We are your accessible, single point of contact throughout the process.  We offer a full suite of loan products: Conventional, VA loan, FHA loan, USDA, Jumbo, Non Qualified Mortgage (non-QM), Self Employed, 1099, first time home buyer, investment, and secondary property purchases.  We have excellent options for your refinance as well, IRRRL, Home Equity Loan, Streamline Refinance, Cash Out, Rate and Term. 

Give us a call today to discuss current mortgage rates.  We will utilize our mortgage calculator to assess the mortgage payment with various mortgage rates for your home loan to help you determine the best financial fit for your purchase.


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