SIMPLICITY
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LOAN PROGRAMS

OUR LOAN PORTFOLIO:

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CONVENTIONAL

Conventional Loans have down payment as low as 3% and can be used for primary, second homes, vacation, and investment properties. Amounts up to $832,750 in most areas and up to $1,249,125 in high cost areas for 2026. 100% gifts allowed. Recasting available. Good credit and more down payment for conventional loans provides ample flexibility and savings opportunity over the life of the loan. Lower costs by eliminating upfront as well as monthly mortgage insurance requirements.

VA Loans offer 100% financing - down payment as low as 0%. Waive all escrows - monthly payments without property taxes and homeowners insurance. Low interest rates. No monthly mortgage insurance required. Gift funds allowed. VA funding fee can be financed. Zero funding fee if exempt. Qualified veterans with the required supporting income can borrow up to $5M with 0% down. VA loans provide exceptional benefits for those who have served our county - veterans, reservists, and active duty personnel.

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SELF-EMPLOYED

We have bank statement loan options for self-employed borrowers. Two years self-employment required for most loans. Can be partial company owners. Loans up to $15 million. Up to 90% loan to value on personal and business with no mortgage insurance. 100% deposits for personal statements. 50% deposits for business statements.

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REFINANCE

The time to refinance is now! A rate and term refinance allows you to lock in a low rate and save big on your monthly payment. Plus, you pay more principal with each payment, helping to accelerate your equity. Utilize a cash-out refinance to renovate your home, purchase a second home, take a dream vacation, consolidate debt, create a college fund, and much more. When eligible, refinance to eliminate monthly PMI. Cash out refinances up to 95% LTV.

FHA

FHA loans generally requires as little as 3.5% down on the purchase of a home. Government requirements feature some of the highest allowable debt to income ratios, lower FICO scores, and low interest rates. Credit qualifying criteria not as strict. Gift funds allowed from qualified donors. Seller concessions up to 6%.

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ONE CLOSE CONSTRUCTION

Construction loans are back and available to finance construction with ease. Our fast and simple loan process offers you a wholesale rate and a single closing. One close means fewer closing costs paid out of pocket. Interest only during construction with interest rate float down option available upon completion. CD prior to final loan approval. Certificate of occupancy not needed on conventional loans.

Ocean front Condo with many windows overlooking the ocean

CONDOS

Condo loans feature down payments as low as 3%. Low interest rates. Fast closings. Buying a condo has never been easier. Putting 10% down on primary or 25% down on second homes may create eligibility for streamlined approval, eliminating the need for full condo review or condo questionnaire. 60 day lock and shop option. Options for condos in litigation.

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USDA

USDA loans allow 100% financing. No down payment required. No cash reserves needed. Seller concessions up to 3%. Potentially roll closing fees into your monthly payment. USDA loans help put the American dream within reach. Must be USDA eligible property.

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JUMBO

Our jumbo loans feature highly competitive pricing and rates for loans up to $15 million. Loans over $832,750 are available with as little as 10% down. Fixed rate and ARM loan options for primary, second, and investment homes.

Self Employed

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Ormond Beach - Port Orange - Daytona Beach - New Smyrna - Flagler Beach

CHECK OUT OUR BLOG:

Simplicity Mortgage HELOC Renovation Loan

Home Improvement Financing, Improved: How a Renovation Loan Unlocks Your Home’s Future Value

Many Florida homeowners are committed to their properties, valuing their neighborhoods, school districts, and the historically low 2% to 4% mortgage rates secured in recent years. However, your home may require updates, such as a modernized kitchen, an additional bedroom, or the construction of an Accessory Dwelling Unit (ADU). Historically, homeowners have encountered a challenging decision: either sell and relinquish a favorable first-mortgage rate or pursue a cash-out refi

21 hours ago4 min read

Buyer Your Home From Anywhere In The World

Close on Your New Home from Anywhere: Don't Cancel That Closing!

Whether you’re relaxing in the comfort of your living room sipping coffee or enjoying a sunset on a beachside getaway, don't let your closing date dictate your vacation plans.

Jul 263 min read

Homeownership for Medical Profressionals

Your Prescription for Homeownership: How "Doctor Loans" Help Medical Pros Buy a Home

If you’re a medical professional trying to purchase a home, you’ve probably noticed that traditional mortgage guidelines don't always align with your unique career path. These programs are structured specifically to address common qualification obstacles faced by healthcare professionals early in their careers.

Jul 123 min read

FICO vs. VantageScore: Which one unlocks your dream home?

By comparing both models, we can leverage the score that provides you with the greatest financial benefit; whether that means turning a "no" into a "yes" on a loan approval, or securing a lower interest rate that saves you thousands over the life of your loan.

May 293 min read

Is the 2026 Housing Market Showing Signs of Recovery?

If you have been waiting to buy or sell a home, January 2026 data indicates the market is changing. After years of limited inventory and fluctuating rates, early indicators now favor both buyers and sellers. Below is a summary of current market trends and their impact on your real estate goals. Get Pre-Approved Today! www.FinanceFreddy.com 1. Buyers Are Back in Force The "wait and see" period appears to be ending. Pending home sales have risen steadily in January, reaching 56

Jan 282 min read

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Condo buyers: Don't let your dream home turn into a nightmare deal.
Buying a condo isn't like buying a single-family home. If the condo association (COA) has structural hurdles, a tricky budget, or litigation, a traditional lender will look at it on paper and walk away.

I can’t tell you how many times a frantic real estate agent or buyer has called me saying, "Freddy, my lender just denied my loan at the last minute and said the deal is dead!"

That’s where a Subject Matter Expert makes the difference. I have saved too many "dead" condo deals to count. When other big banks say "no," I look at the common-sense aspects of the file, dig into the guidelines, and look for structural alternatives or rate-pricing adjustments to push your loan over the finish line.

You’ve found your dream condo, don't gamble your hard-earned deposit with an automated system or an inexperienced loan officer. Go with someone who knows the condo landscape inside and out.

What You Get When You Work With Finance Freddy:

- Deep Condo Expertise: Navigating warrantable, non-warrantable, condotel projects with ease.

- Deal-Saving Restructuring: Finding solutions when a standard conventional approval stalls.

- Direct communication: A true partner fighting for your homeownership goals.

Let’s make that dream property yours.
DM me the word "CONDO" or click the link in my bio to schedule a quick strategy call today!
#FinanceFreddy #CondoLoans #MortgageBroker #RealEstateTips #CondoLiving #HomeBuyingGuide #MortgageExpert #DealSaver #DreamCondo #FloridaRealEstate

Timing isn’t just about the hour on your wrist! It’s about knowing when the market aligns with your long-term goals.

Whether you’re looking to get into your first home or wondering if a refinance could lower your monthly overhead, the "right time" is different for everyone. As a broker, my job is to look past the headlines and find the strategy that fits your specific situation.

Is it time for your next move? Let’s look at the numbers together.

Hashtags: #SimplicityMortgage #MortgageBroker #RealEstateTips #FinancialFreedom #PortOrangeRealEstate #HomeBuying

It was a good rucking morning! pun intended!

Getting your Loan Estimate shouldn’t feel like opening a scary movie jump-scene. 🎬👻
High rates? High fees? 😱
Avoid the horror—call Finance Freddy or go to FinanceFreddy.com

🏡 Ready. Set. Home. 🏡
Move in with just 1% down!
Dreaming of owning your own home but worried about that big down payment? We have fantastic news! With our program, you can move into your dream home with only 1% down. *
✨ Here's how it works:
✅ Put 1% down, and your lender contributes an additional 2%—that’s a total of 3% down!
✅ Gift funds can be used for your entire down payment.
✅ Keep more money in your pocket for furniture, home repairs, and maintenance!
Let’s make homeownership a reality, faster and easier than you ever imagined.
📞 Contact Freddy Kling at Simplicity Mortgage
📍 Port Orange, FL
📱 386-401-9000
✉️ Freddy@SimMortgage.com
*Terms and conditions apply. Contact me today for details!

☀️🚤 Sun, sea, and smooth sailing in Ponce Inlet!
Grateful for days like this—blue skies, calm waters, and family. One of the perks of helping families find their dream homes is being able to enjoy a little dream living myself. 🏡💼

Whether it’s your first home or your forever home, let’s get you pre-approved and one step closer to planting roots near paradise. 🌊

📲 DM me if you're ready to talk mortgages between sunshine and sunsets.

#MortgageBrokerLife #PonceInlet #BoatDayVibes #WorkHardPlayHard #LivingTheDream #MortgageMadeEasy #FloridaHomes #PreApprovalReady

🏡 March 2025 Existing Home Sales Update 🏡

March saw a 5.9% decline in existing home sales, falling to a 4.02M unit annualized pace, which was worse than the expected 3% drop. February’s numbers were revised slightly higher (from +4.2% to +4.4%), but March missed the mark. Keep in mind, this data reflects homes likely shopped in January and February, when rates were still higher.

Regional Highlights:
Sales in the West took the hardest hit due to wildfires, which likely delayed many closings. The region also has higher-priced homes, which contributed to a slight impact on the median home price.

Median Home Price Insights:
Despite the slowdown in sales, the median home price rose by 1.7% in March to $403,700—a record high for March! Year-over-year, we saw a 2.7% increase. Remember, this figure represents the middle-priced home, not overall appreciation.

Inventory & Market Dynamics:
Inventory saw an 8.1% rise in March, reaching 1.33 million units—a 20% jump from last year. But here’s the key: inventory is still historically low, well below pre-pandemic levels, and nearly 3M less than during the housing bubble.

Currently, we have about 4 months of inventory—up from 3.5 months in February but still under the balanced market of 4.6 months.

What’s Happening on the Ground?
Homes stayed on the market for an average of 36 days, down from 42 in February. 21% of homes sold above the asking price, though this was down from 29% last year.

Buyer Breakdown:

First-time buyers made up 32% of transactions (consistent with last March).

Cash buyers accounted for 26%, and investors made up 15%.

Bottom Line:
Even with a dip in sales and increased inventory, the market is still tight, with home prices holding steady. Whether you're looking to buy or sell, it's important to stay informed. Reach out if you have questions or need advice on navigating this market!

#MortgageTips #HousingMarket2025 #ponceinlet #floridarealestate #HomeSales #MortgageBroker #Homebuying #MarketUpdate #RealEstateInsights #homesellers #homesales #realestate #mbshighway #mbssocialshare #mortgagemarketnews #mortgageintheknow

🏡 Builder Sentiment on the Rise — A Sign of Opportunity Ahead! 🏡

The April NAHB Home Builder Sentiment Index ticked up to 40, showing resilience in the face of market uncertainty. Here’s what’s happening behind the scenes:
🔹 Current Sales Conditions climbed 2 points to 45 — builders are seeing more activity on the ground!
🔹 Buyer Traffic inched up as well — up 1 point to 25, indicating more home shoppers are out and about.
🔹 Sales Expectations adjusted slightly, down 4 points, but this may just be a short-term pause as the market finds its footing.
Despite some headwinds like tariffs and interest rates, builders are still pushing forward — and that’s great news for buyers. Yes, construction costs are adjusting, but that also means motivated builders and creative financing opportunities are on the table!

💡 While Housing Starts dipped in March, Building Permits rose 1.6%, slightly exceeding expectations — a sign that builders are prepping for future demand.
If you’re thinking about building or buying new, this could be your window to act before demand picks up again. Let’s talk about your financing options and how to get ahead of the market!

📲 DM me or call/text if you're ready to get pre-approved and explore today’s opportunities.
— Freddy Kling, Your Local Mortgage Pro 🏠💼

#mortgage #floridarealestate #homebuyer #newconstruction #mortgagebroker #homebuilder

Inflation Sizzled in January—But There’s Light at the End of the Tunnel! 🏡📉

January’s CPI report came in hotter than expected, with headline inflation rising 0.5% for the month and 3.0% year over year. Core CPI, which excludes food and energy, was also up 0.4% MoM and 3.3% YoY, largely due to shelter costs—which we know are lagging behind real-time data.

🥚 Eggs, of all things, are once again making their mark on inflation! If your morning omelet feels pricier, you’re not imagining it! Food prices rose 0.4% in January, but luckily, we don’t expect eggflation to scramble the long-term trend.

🏡 The real story? Shelter costs. While they remain elevated in official CPI readings, real-time housing data from Zillow, CoreLogic, and Realtor.com suggests rent inflation is actually closer to 1.5%. Once these lagging numbers catch up, Core CPI could move closer to the Fed’s 2% target—which would be a huge win for mortgage rates!

📉 What does this mean for homebuyers? While today’s report may feel like a speed bump, we’re still on track for lower mortgage rates in the coming weeks as shelter costs align with reality. The market is shifting, and opportunities are on the horizon!

So, hang in there—soon, we’ll be looking at better affordability, lower rates, and maybe even cheaper eggs! 🥚😂

#CPI #Eggflation #MortgageRates #HomeBuying #RealEstate #MortgageMarket #MortgageInTheKnow

🚀 Stronger Job Market = Lower Mortgage Rates Ahead?? 🚀

The latest ADP Employment Report shows 183,000 new jobs, surpassing expectations! 📈 While the Services sector boomed (+190K jobs), Manufacturing continued to struggle (-13K jobs).

👀 Key Takeaways:
📌 Wage growth is slowing – Job changers saw only a 6.8% increase, down from 7.1% previously.
📌 Less job poaching – The gap between job stayers and changers is shrinking, signaling labor market stability.
📌 Mortgage rate impact? This cooling job market may push the Fed to ease rates sooner, making buying or refinancing more affordable.

🔍 Check out the visual!

💡 Thinking about your next move in the housing market? Let’s strategize now so you’re ready for lower rates ahead! 🏡💰
#MortgageRates #HousingMarket #RealEstate #Finance #HomeBuying #Refinance #mortgagebroker #floridarealestate #floridahomebuying

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@simplicitymortgage

Simplicity Mortgage is a local mortgage brokerage founded in 2018. Our office is located in central Volusia County, in Port Orange, Florida. We serve borrowers looking for home loans throughout Florida to include Volusia, Flagler, Orange, Osceola, St Johns and more! Specializing in Condo's, Single Family and Investment properties in Ormond Beach, Daytona Beach, Daytona Beach Shores, Port Orange, Ponce Inlet, New Smyrna Beach, A1A, St Augustine, Orlando and all other beautiful Florida destinations!

As mortgage brokers, we shop our extensive portfolio of over 15 of the nations top lenders to find the best home loan product to fit each borrowers unique purchase and goals. Our mission is to provide a competitive interest rate, low fees, outstanding customer service, and a smooth and efficient mortgage experience.

We are your accessible, single point of contact from loan application to closing day!

Simplicity Mortgage offers a full suite of loan products: Conventional, VA loan, FHA loan, USDA loan, jumbo, non-qualified mortgage (non-QM), self-employed, 1099, bank statement, first time home buyer, investment, and secondary property purchases. One Close Construction loans save you time and money on your custom build!
Simplicity can help you cash in on your equity through a refinance. VA IRRRL, VA Cash out, home equity loan, HELOC, FHA streamline refinance, cash-out refinance, and rate and term refinance, investment property cash out.