SIMPLICITY
MORTGAGE

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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.

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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.

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

CHECK OUT OUR BLOG:

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.

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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.

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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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@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.