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+ Payments shown here are calculated on the basis of principal and interest and do not include taxes and home insurance, which will result in higher monthly payments. Mortgage insurance (MI) may be required depending on loan guidelines. If mortgage insurance (MI) is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment.


Additional loan programs may be available. Interest rates and annual percentage rates (APRs) are based on the date and time below, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons, minimum conforming loan amount, loan-to-value, credit score, refinance with cash out and other variables - call us for details. Offer limited to purchase or rate & term for single family residence only. For VA loans, the applicant is responsible for the VA funding fees.

APR reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, closing costs, discount points (also referred to as “points”) and loan-origination fees. One point is 1% of the mortgage amount (for example, $1,000 on a $100,000 loan).

Rates and program information are deemed reliable but not guaranteed. Advertised APR is based on a set of loan assumptions that include a borrower with excellent credit; your actual APR may differ depending on your credit history and loan characteristics. Accuracy is not guaranteed and products may not be available for your situation. Simplicity Mortgage is not affiliated with or acting on behalf of or at the direction of the Federal Housing Authority (FHA) or the Veterans Administration (VA) or any government agency or government sponsored enterprise.

# The minimum base loan amount for the interest rates above is $200,000 for conventional

# The minimum base loan amount for the interest rates above is $125,000 for FHA & VA

- Rates are based on a 30 day lock period

- Rates are based on W2 income, no REO other than subject property, no rental income

- FHA Streamline non-credit qualifying eligible

- VA IRRRL non-credit qualifying eligible

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