A mortgage that feels refreshingly simple.
Simple Mortgage helps homebuyers and homeowners move forward with clear next steps, responsive communication, and loan options explained in plain language from the start.
Not sure which loan fits you?
Answer a few quick questions and get a likely starting point based on your situation.
Conventional Loan
Based on your answers, this is a common starting point. A licensed mortgage professional can confirm the best fit once your full file is reviewed.
Whatever your file looks like, there may be a program built for it.
From first-time buyers to investors and homeowners reviewing refinance options, here are common starting points available through Simple Mortgage.
Conventional Loans
Traditional financing with flexible terms for qualified borrowers purchasing or refinancing a home.
- Down payments as low as 3% for qualified buyers
- Available for primary homes, second homes, and some investment properties
- View conventional loan details
FHA Loans
Government-backed financing designed for buyers who benefit from more flexible qualification guidelines.
- Down payments from 3.5% with qualifying credit
- Often a fit for first-time buyers
- View FHA loan details
VA Loans
Purchase and refinance options for eligible veterans, service members, and qualifying surviving spouses.
- Zero down payment for eligible borrowers
- No monthly mortgage insurance requirement
- View VA loan details
DSCR Loans
Investor-focused financing that looks to property cash flow as part of qualification.
- Built for rental-property financing
- Often useful for investors with non-traditional income documentation
- View DSCR loan details
Jumbo Loans
Financing for higher-value homes above standard conforming loan limits.
- Available for purchase and refinance scenarios
- May require stronger reserves and documentation
- View jumbo loan details
Down Payment Assistance
Programs that can help qualified buyers reduce upfront cash needed to purchase.
- May be paired with other purchase-loan options
- Income or property guidelines can apply
- View assistance options
Bank Statement Loans
An option for self-employed borrowers using deposits and cash flow instead of standard W-2 income.
- Often uses 12 to 24 months of bank statements
- Useful for business owners and independent professionals
- View bank statement loan details
Reverse Mortgages
A specialty option for older homeowners reviewing ways to access available home equity.
- Available to qualifying homeowners age 62 and older
- Requires a personalized review to determine fit
- View reverse mortgage details
Five steps, from application to closing day.
A mortgage process works best when expectations are clear. Here is a simple view of how the path often unfolds.
Apply
Start with a full application when you are ready to share your goals, property plans, and financial details.
Review options
Your file is reviewed and matched to loan programs that fit your scenario and documentation.
Get pre-approved
For buyers, pre-approval helps define your budget before you shop or make an offer.
Move through processing
Documents, disclosures, underwriting, and property-related items are coordinated step by step.
Close
Final documents are signed once the file is ready, and your next chapter can begin with clarity.
Homeownership, made simple one family at a time.
Simple Mortgage was built on a straightforward idea: buying or refinancing a home shouldn't require a translator. Oscar Talavera and the team walk every client through their options in plain language, with clear communication from application to closing.
Based in Las Vegas and licensed across Nevada, we work with first-time buyers, veterans, investors, and families refinancing into a better rate — whatever stage you're at.
Answers before you have to ask.
Affordability depends on your income, debts, credit profile, down payment, and the type of loan. The calculator above gives a rough starting point, while a full review gives you a more accurate range.
Minimum score expectations vary by loan program. Some options are more flexible than others, and the best fit depends on the full picture, not just one number.
Yes. Some loan programs are designed for borrowers whose income is documented differently, including bank statement and investor-focused options.
Yes. Many borrowers start by comparing programs, asking questions, or reviewing what documents may be needed before completing a full application.
Often, yes. First-time buyers may review low-down-payment options, FHA financing, or down payment assistance depending on eligibility and local program guidelines.
Ready to see what you may qualify for?
Start an application online, explore loan programs, or call Simple Mortgage when you are ready to talk through next steps.