Business Details
Your Trusted Mortgage Partner in Gilbert, AZ
Founded by John Moran in Scottsdale, AZ, Simplify Mortgage was established with a clear mission: to provide mortgages that are easier and more affordable for homeowners. Our approach eliminates unnecessary fees and paperwork, streamlining the process while maintaining transparency. With over two decades of experience in the mortgage industry, we leverage our expertise to offer competitive rates and personalized service. Our team prioritizes client needs, ensuring a single point of contact throughout the loan process. We specialize in purchase and refinance transactions, including VA, USDA, and conventional loans, while adhering to strict ethical standards.Our commitment to customer satisfaction is reflected in our 99% pre-approval success rate and extensive client testimonials. By focusing exclusively on mortgage services, we avoid conflicts of interest and maintain operational efficiency. Our regional presence in Arizona, Oregon, and Colorado allows us to serve diverse markets while retaining local market knowledge. We continuously refine our processes to reduce client stress and deliver reliable, cost-effective solutions.
Services
Mortgage Loans
Refinancing
VA Loans
USDA Loans
Conventional Loans
Jumbo Loans
Pre-Approvals
Purchase Loans
Home Equity Loans
First-Time Buyer Programs
Highlights and features
- We offer $0 origination fees and no hidden costs.
- Our single-point-of-contact model ensures consistent communication.
- We exclusively provide mortgage services with no data selling.
- We maintain a 99% pre-approval success rate.
- Our team shops 85+ lenders for optimal rates.
Associations and certifications
- NMLS
What people say
Amazing experience
Best service
Responsive communication
Transparent process
Stress-free closure
Services
Mortgage Loans
Our mortgage loans provide tailored financing solutions for home purchases. We offer competitive rates through a network of 85+ lenders while maintaining a streamlined application process. Clients benefit from personalized guidance and transparent fee structures throughout their loan term.
Refinancing
Our refinancing services help homeowners reduce monthly payments or adjust loan terms. We analyze current market conditions and client financial situations to identify optimal refinance opportunities. The process includes rate comparisons and detailed cost-benefit analyses for informed decisions.
VA Loans
Specialized VA loan programs offer zero-down payment options for eligible veterans and service members. We guide applicants through VA-specific requirements while ensuring compliance with military lending regulations. Our team handles all documentation to maximize veterans' benefits with minimal out-of-pocket costs.
USDA Loans
USDA loans provide 100% financing for qualified buyers in designated rural areas. We verify eligibility based on property location and income requirements while maintaining strict adherence to USDA guidelines. Our process includes property inspections and income documentation verification.
Pre-Approvals
Our pre-approval process gives buyers a competitive edge in real estate markets. We conduct preliminary credit checks and income verifications to establish borrowing capacity. The 99% success rate ensures confidence during home searches while minimizing last-minute financing complications.
People
John Moran
Founder
John Moran founded Simplify Mortgage in Scottsdale, AZ after 20+ years in real estate and mortgage industries. He previously worked as a New York real estate agent and Chicago mortgage professional before establishing the company in 2003.
Questions
Will I have enough money for the down payment and closing costs?
Simplify Mortgage offers options starting at 0% down (VA/USDA) or 3% (conventional). You only pay third-party fees like title, appraisal, insurance, and taxes.
Are there any hidden fees or costs?
We charge no origination fees or points. Third-party fees are estimated upfront, with changes only coming from external providers like title companies.
How does Simplify Mortgage make money without charging fees?
We receive compensation from lenders as a broker. Our lower margin allows us to offer rates below competitors while charging $0 in upfront fees.
How do I know if I'm getting the best rate?
As a broker with access to 85+ lenders, we shop for optimal rates. Our streamlined operations allow us to pass savings to clients through lower rates.
What documents are needed for a mortgage?
Most borrowers need W2s, recent pay stubs, bank statements, and photo ID. Self-employed individuals or complex cases may require additional documentation.
What if I get denied after finding a home?
With our preapproval, 99% of borrowers gain final approval. Denials typically involve uncontrollable factors like job loss or appraisal issues.
