Business Details
23 Years
experience
Your Trusted Partner for Simplified Mortgage Solutions
Simplify Mortgage was founded in 2003 by John Moran with a clear mission: to transform the mortgage process into a seamless, cost-effective experience for homeowners. Recognizing the frustrations caused by traditional lenders' outdated practices, we pioneered a modern approach that eliminates unnecessary fees, reduces paperwork, and prioritizes transparency. Our team of experts brings decades of combined experience in mortgage lending, leveraging industry knowledge to secure competitive rates while maintaining a client-centric philosophy. As a broker with access to over 85 lenders, we deliver personalized solutions tailored to individual financial goals.Our commitment to ethical practices is demonstrated through our refusal to sell client data or impose hidden fees, ensuring every borrower receives straightforward guidance. With a proven track record of over 99% pre-approval success rates, we combine technological efficiency with personalized service to make home financing accessible and stress-free. Our reputation as a trusted partner in Arizona, Oregon, and Colorado reflects our dedication to simplifying one of life's most significant financial decisions.
Services
Mortgage Loans
Refinancing
Home Purchase Loans
VA/USDA Loans
Jumbo Loans
Details
- Year established: 2003
Highlights and features
- We guarantee $0 in origination fees or upfront junk fees for mortgage services
- Our single-point-of-contact model ensures consistent communication throughout the loan process
- 99%+ mortgage pre-approval success rate with transparent third-party fee estimates
- Access to 85+ lenders for competitive rate comparisons without advertising markups
- Specialized expertise in VA, USDA, and jumbo loan programs with down payment options starting at 0%
Associations and certifications
- NMLS
- Equal Housing Lender
What people say
Amazing experience
Working in our best interest
I can count on him
I felt comfortable
Incredibly helpful
Services
Mortgage Loans
Our mortgage loans provide tailored financing solutions for home purchases with down payment options starting at 0% for qualified borrowers. We offer conventional, VA, and USDA loan programs with competitive rates. Our streamlined process ensures clear communication and timely closings for first-time buyers and experienced homeowners alike.
Refinancing
Refinancing services help homeowners reduce monthly payments, shorten loan terms, or access home equity. We specialize in rate-and-term refinancing and cash-out options with no hidden fees. Our experts analyze current market conditions to secure optimal refinancing opportunities while maintaining transparent cost estimates.
Home Purchase Loans
Home purchase loans feature flexible down payment requirements and multiple program options for first-time and repeat buyers. We provide pre-approval letters with verified accuracy to strengthen purchase offers. Our process includes clear documentation requirements and real-time updates throughout the closing timeline.
VA/USDA Loans
Specialized VA and USDA loan programs offer zero-down payment options for eligible military members, veterans, and rural homebuyers. Our team handles specific documentation requirements and eligibility verification to maximize benefits. These government-backed loans feature competitive rates with no private mortgage insurance requirements.
Jumbo Loans
Jumbo loan solutions cater to high-value property purchases exceeding conventional loan limits. We offer competitive pricing for luxury homes and investment properties with personalized underwriting considerations. Our experts guide clients through specialized documentation requirements and down payment options for premium real estate transactions.
People
John Moran
Founder/Loan Officer
John Moran established Simplify Mortgage in 2003 after 20 years in real estate and mortgage industries. A University of Wisconsin graduate with experience in New York and Chicago markets, he brings expertise in complex loan scenarios. John maintains direct client relationships while overseeing loan origination strategies.
Questions
What down payment options are available?
We offer loans starting at 0% down (VA/USDA) and 3% down (conventional) with no origination fees.
Are there hidden fees?
We guarantee no origination fees or junk fees. Third-party costs are clearly disclosed upfront.
How do you offer lower rates?
As a broker with 85+ lenders, we shop rates while maintaining lower overhead than traditional banks.
What documents are needed?
Most borrowers need W2s, recent pay stubs, bank statements, and photo ID for mortgage applications.
How long does approval take?
Average approval time is 13 days from contract receipt for purchase transactions.
What credit score is required?
We offer programs starting at 580 credit score with better terms available for higher scores.
