Painless mortgages
Welcome to the mortgage marketplace that searches 50,000+ options from top lenders to match you with the best ones, and then does all the hard work for you.
We’re transforming the way today’s homebuyers shop for a mortgage.
Today's Mortgage Rates
Compare options from 25+ top lenders to make sure you get the best deal.
30 Year Fixed
15 Year Fixed
7/1 ARM
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* 2.495% APR, see rate assumptions
* 1.967% APR, see rate assumptions
* 2.615% APR, see rate assumptions
Everything you need, all in one place.
You control the process every step of the way. See all your options in minutes. Complete your application online or speak with an expert. We’re happy to help you every step of the way.
Loan type
30 Year Fixed
We're always here to guide you
We help you from start to finish, but you won't receive any calls from our lenders. Have questions? Just ask.
Why choose Simplist?
At Simplist, we understand that everyone has their own unique story. That's why we've developed the technology that finds the best mortgages for your background, and guides you through the entire process—from application to close. From a team of industry veterans and mortgage innovators who partner with the best in the business, Simplist gets you the mortgage you deserve.
Is Simplist free to use?
Applying with Simplist is free. We won't charge you an application fee or processing fee. Simplist only makes money if you close your loan. Like with any loan, there will be closing costs and other third-party fees to pay. All closing fees will be listed on the Loan Estimate disclosure form we send you within 3 days of receiving your full application.
How quickly can I close my loan?
Processing times vary for each person and type of mortgage. We work to get you the right mortgage as quickly as possible and many of our customers are closing in as few as 10 to 14 days from submitting their application.
Is my data secure?
Yes, we built Simplist with privacy and security as part of our top priorities. We use bank-level encryption to ensure your private information is kept safe and secure.
What if I want to talk to someone for advice?
We’re here to help! You can schedule a call with a Simplist Loan Expert and we’ll gladly help you find what you are looking for.
What people are saying
Super-Great Rate
I got an super excellent rate. And everyone from the loan officer to the notary has been very professional. And that matters. I went from first contact to closing in about two weeks.
The Easiest Process, Best Rates
I was going down the road with another broker until I came across Simplist. It was a no-brainer to go forward with them. They made it so easy to get a quote and then quickly close. 100% recommend.
Easiest refi I have ever
Easiest refi I have ever done.
Great experience
I was pleasantly surprised how smooth and fast my refi went. Jason and Anna were right on the ball and made the process easy. The rate and terms were great but the service was what sold me.
Well done at all stages.
Well done at all stages.
easy and good
easy and good
Easy straight forward process for a cash out refinance
Simplist made it super easy to take advantage of the current low rates to refinance my house. The site is straight forward in walking you through each step and guiding on you what is needed. My loan officer also always answered My questions very promptly and kept me updated throughout the whole process.
Simplist! Great Refinance Option to consider!
Overall, I was very satisfied with the service and the refinance rate! Thank you
Exceeded my expectations
Simplist made this process simple, fast, and got me a better product than my local big bank. Having a Simplist Loan Consultant answer emails and calls each time gave me zero frustration during the entire process.
Refinance experience was great. Simplist
Refinance experience was great. Simplist team, specifically Jason was very helpful. The process was made easy. Thank you!!
Super helpful, professional and knowledgeable
Jason my refinance advisor what's super helpful always professional. I would hundred percent recommend this company to anyone looking to refinance and close fast.
Easy refi
Quick and easy. Loved the ability to choose my lender and rate.
Five Star +
My wife and I were stunned that we closed in 31 days after submitting our application. Our previous experience with another mortgage lender left us feeling doubtful when Seung Cho told us that we would close in 31 days. We also doubted him when he told us that he and one other person, Jamilia Oliveria would be the two people who would work with us. Again, our previous experience had us talking [...]
The lender James Green and
The lender James Green and the processor Dan were amazing. I was a very secure borrower. The under writer was way too paranoid. I have been a realtor for 34 years and have never experienced this type of scrutiny. In spite of that I would still work with James Green again. He was so embarrassed by the delays that he sent me a gorgeous bouquet as an apology for the my patients..
Quick and Easy Loan process.
Jason was very responsive to questions I had even on weekends. Process was smooth and simple. I would not hesitate to recommend Simplist for your loan needs.
Great Rate and Five Stars Service
Jared Stone was great to work with He was professional and patience. He took the time to explain all options and worked above and beyond to get the best term and rate for us.
It’s a great experience.Loan officer
It’s a great experience.Loan officer I knowledgeable and I was satisfied.
I worked with Jonathan Scott
I worked with Jonathan Scott and I can't say enough good things about my experience with him. He was so patient and explained every detail of the refinance process. He always answered every call and text I sent. His assitant Jamila was very patient as well.
Excellent client service
The loan process was so simple as the company name reflects.Much appreciated fo the wonderful Service and support especially Jason & Jamila.Highly recommend for any one in the market looking for home loan whether it can be be new purchase or Refinance.
It was super easy to refinance with Simplist
Everything was done online except for the notary coming home for signoffs. Overall this was very easy and I got a great rate. Jason from Simplist did a great job of keeping me updated as things moved along
Just Do It! So Easy To Work With
I closed in 3 weeks, start to finish! Who does that??? Prior to picking Simplist, I sought 10 quotes from banks, credit unions and internet lenders. Save yourself the hassle and energy as Simplist was my top choice. Why? 1) Rates are excellent 2) Digitally driven platform saving time and convenience 3) Knowledgeable and communicates regularly. Jared, our loan officer, is not only highly [...]
Refinance via simplest
Jason is so humble and patience. A one phone call is all needed and rest you can trust Jason. He will make sure the loan process and experience is very easy and smooth. He explained me the CC document very clearly and made understand as I am new to this loan process. You are the best …..
Great experience
They had the best rate, outstanding service, and we closed in less than two weeks. Jared and Melanie worked hard to make sure we knew what to expect as we got started, were quick to respond if we had questions, and had the knowledge and experience to help us navigate the process efficiently and close much quicker than our expectations.
Simply the Best!
Refinancing with Robert and Anna was a very positive experience; they were so responsive to my questions, replied with clear directions. Their professionalism allowed us to close in record time! Thank you!
Every Financial Goal was met
My experience working with Simplist was awesome. At the beginning, Jason explained everything clearly and helped me figure out what my goal for the refinance was and then consistently stayed in contact and led me through the whole process. He also fought to make sure I was getting the best rate with the lowest out of pocket cost - all while still meeting my financial goals with the new loan. [...]
Excellent service and rates
Jason Weber and his associates were top notch, very responsive in communications, professional yet personable. I would highly recommend Simplist for your mortgage needs
Simplist, The name says it all!
I was in awe at how easy it was refinancing my home. Jared and Ryan were amazing. They were professional and just plain great. Have recommended them to my son who is working with Jared right now for his home. It was so simple I sometimes would forget I was refinancing. Great work! Very Happy!
The easiest refi I have ever attempted
I shopped around quite a bit before settling on Simplist. Their rates were the best I could fit, and the cost structure was very transparent. I worked with Jared and his team. They were very prompt with processing our documentation and swift to update me on how far along we were in the process, as well as what to expect next. The time frame for this refi was most impressive, but will naturally [...]
Great to work with!
Zouhair made the home buying process straightforward and easy. He was extremely responsive and expeditious in completing tasks and making sure the loan was processed in a timely manner. He made himself available at all hours if we had questions.
Satisfied
Zouhair was diligent, thorough, and detail-oriented, and he helped with my loan/refi application in San Diego. He was with me every step of the way to address my questions, concerns and to keep the application on track. He does his research, goes above and beyond with every little thing. I couldn't be happier with the whole process. Thank you!
Helpful and responsive
James is very help and responsive. The process took longer than I expected to refinance but that was due to the underwriter. James was super helpful and extended by rate lock and made the closing happen. For the best experience and rate, I'd highly recommend working with James.
Highly recommend James & Simplist/ Outstanding & Dedicated Professionals
Thanks to James Green at Simplist we closed very quickly on our refinance. And the whole process was very smooth and efficient. Simplist truly lives up to their name and motto of keeping mortgages simple and painless. We researched and reached out to several different places about refinancing, but we knew after talking to James that Simplist was the way to go. And we are very grateful we chose [...]
VERY quick at responding ANYTIME of day
Zouhair was a pleasure to work with. My wife and I have scaled to 4 rental properties in just a couple years, so our finances are a little tricky and more work than just the typical couple buying their first home. Zouhair helped make the process of refinancing one of our rental properties a breeze. We were delighted to find out we could transfer the appraisal we had already received from Better [...]
Zouhair Zamraki
Mr Zamraki and his team were wonderful. It was such a hassle free and quick way to refinance my home. I'm telling everyone about them. What a great and fantastical experience. Mr Zamraki was on top of everything at all times whether it was questions or concerns and his demeanor, attitude, and everything about him was wonderful. He makes you feel very comfortable and he is extremely competent [...]
Seung was very helpful
I'm so glad I came across simplist to help me with my refinancing needs. Seung was able to answer any questions I had and every time I called, he answered, and was always willing to clarify any doubts or concerns I had. I highly recommend Simplist to anyone seeking to refinance.
Very Efficient Service
The process was extremely efficient and easy to follow. There were no unexpected surprises and the whole process was completed on time. The team was very responsive and I am very happy with the service from beginning to end.
Finally Streamlined Financing
Zouhair and his team were VERY responsive all hours of the day. The application process was very simple since all documents are uploaded into their online portal. They helped me refinance within 2 weeks, which is unheard of, with a competitive rate options I could chose and provided an easy to follow fee schedule. Zouhair leverages technology to get the best rate, charges no hidden fees, is [...]
Great Turnaround, Easy to Work With
I highly recommend Robert Gardiner for you next re-fi, he did a fantastic job moving our project along. He is someone with attention to detail, and knows how to move the process along.
Outstanding lender and APR
Thank you James Green and Simplist for making my cash out refi completely painless, it was the best decision of 2021 so far. Thanks to the recommendation from my son, I was able to start and finish the process with James. He communicated each step so I knew what was expected from me and the necessary time-frames. I was skeptical of digital document submission and signing, however, that is what [...]
Simplist Mortgage Broker
Used them twice, once for a refi and once for a vacation home purchase. Simplist was excellent both times. Anthony was extremely responsive and helpful. Website is clean and easy to use
Top Service and Instruction!
I had the pleasure of working alongside James Green, who guided my partner and I through the steps of closing on a property. He was patient as well as thorough, and made himself available to us if we had any questions whatsoever. I appreciate that Mr. Green also provided resources that allowed me to educate myself on the processes of going about certain objectives. It’s important to work with [...]
Amazing experience!
I have worked with many, many lenders in the past, having purchased five homes and refinanced three times. Jason hands down was the fastest to respond and the quickest to act. I’ve never had such an easy, seamless experience. I would be happy to work with him again in the future!
Jonathan Scott at Simplist was great
The process was surprisingly easy and painless. Jonathan Scott answered all my questions and was really helpful all along the way. There were never any surprises and he found us a great rate for a refinance.
Excellent experience
The experience from start to finish was extremely easy and seamless. Anna and Anthony did an outstanding job with getting the loan within an extremely tight closing date. The whole team was supportive and made the process very smooth.
James Green
James was professional and guided my wife and I through the entire process. I liked that he was always available to answer any questions. It took 30 days or less from start to finish. We locked in the best rate! One more thing... we never felt rushed, James gave us his time.
Great experience
I never thought that I'd have a strong opinion (or any opinion at all) about mortgage refinancing, but Zouhair and his colleagues at Simplist made the experience so fast, transparent and painless. His team was always available to answer questions and responded to emails and phone calls within minutes, even at 8pm and on weekends. I was able to compare rates through their app and once I chose [...]
Great Experience
We just finished the process for a refi. James was really helpful and knowledgeable. Anytime we had a question he was always there to answer in a timely fashion. The refi took a little longer than anticipated but James kept in contact and provided regular status updates. I would highly recommend Simplist and James for any of your home loan needs.
Jason Weber
Jason was always available to answer any and all our questions. Even when we asked the same question but worded it differently because we got confused or overwhelmed with all the data.
James was awesome - 5 star service
James was a pleasure to work with. He was responsive and informative - giving me great advice throughout the process. This was the easiest Refi I have ever had - very fast, quick and painless. In fact it was the easiest and least stressful mortgage experience I have ever had. I definitely recommend James and the team at simplist.com
Great Service
James was extremely knowledgeable and helpful through the loan process. He was also available for questions at any time and responded to emails very quickly. Would work with him again and would recommend him to anyone
Dedicated professional team approach helping you close fast and save you $$$....no brainer
Let's face it, we all hate paperwork. And hate the endless process of any type of loan application. And with so many digital loan platforms available, it's harder than ever to make the right choice. So when a friend turned me on to James and the Simplist team to get my ReFi done, I was hopeful but skeptical. I've never been part of the process where I was the 'loose [...]
Pleasure to work with!
James was so helpful throughout my entire loan process. He was available for me 24/7 with any questions I had and explained everything to me. I would absolutely recommend James!
Quick and Professional
A great experience! Much faster than I expected, less than 4 weeks from start to finish. Seung Cho did an exceptional job guiding me through the process, keeping me informed, quickly responding to any questions, and looked for opportunities to reduce my closing costs. I would highly recommend him and Simplist if you are considering a refinance or mortgage.
Excellent Assistance
Seung walked me through every step of the refinance process and it felt like he was in my corner. His expertise and knowledge were very impressive and he easily answered all of my questions. I also have to commend his professional demeanor and availability as he was always prompt in responding to any of my emails or calls. Overall, I would thoroughly recommend Seung as a loan expert.
Excellent Service
Working with James had been an absolute pleasure! He is very prompt and kept me in the loop throughout the process. Very painless and would do business again!
Simplist & UWM
Exactly what this process was...the SIMPLIST. 10 days from application to closing!!!! Jonathan was "simply" a pleasure to work with. No pressure. Just the facts and some insight. Anna G. was thorough and responsive and Anthony Sherman, swift and professional. Great team of professionals. Great fixed rate from UWM.
Fast, efficient, courteous. Top Notch
Where was Jared on our prior 3 purchases? We just finished a refinance thru Jared and now purchasing another property and he is outstanding. Not only did we get an excellent rate, there was zero pressure or funny business; he really helped us weigh our options to find the best loan and once we settled on a rate he made it happen in half the time we expected. Cannot say enough about Jared and his [...]
Excellent service; Why use anyone else?!
James was consultative, not salesy; supportive & helpful, not pushy; great follow-up, didn't leave me with the random docs guy; authentically friendly, not fake.
Easy refinance
James was very helpful throughout the entire process. Quick responses to questions, friendly, made our refinance stress free. Thank you for your help!
Professional, reliable execution of my refinancing. Great communication, accessible and responsive
This experience definitely beat my expectations as to the quality of the mortgage i ended up with as well as the quick processing of the loan. The loan had great pricing and the fees were very reasonable. I will recommend Jared & Simplest to anyone needing a mortgage.
Jeffrey Loyd
My experience with Jeffrey Loyd was great - he helped my spouse and I get the best terms and rates for our refinancing, and that was after I had checked with multiple brokers and lending institutions. He was available through phone or email, and I was able to schedule a couple of meetings with Jeff where we reviewed details - this helped me secure the best outcome for our refi.
Great to work with!
James was responsive, informative and helped me every step of the way! It was a pleasure to work with him, he made things simple fast and easy! Thanks James!
Quick and reliable
James helped me with my mortgage refinance and I really like the experience of working with him. He kept it simple and was always available when needed. I would definitely reachout to James for future home purchases or refinances.
Simplist is fast and has the best rates!
Our loan expert, Jared Stone made the entire refinance process so simple. Everything went smoothly. We closed in under 30 days and we got an awesome rate. Thank You Simplist and Jared!
Review of James Green
Timely, knowledgeable, clear communicator, positive - very pleasant and effective to deal with from beginning to end. James was kind and clear in communication. He was calm and reassuring, seemed to have a good sense of humor or positive attitude and we never felt pressured at all.
Customer Service and communication
James Green was extremely professional in his communication and complied with the deliverables on time. It was a great working with James and rest of his team members.
James was very communicative. Always available to answer questions and very professional.
James was very communicative. Always available to answer questions and very professional. James was always available to answer my questions. It was a pleasure to work with him!
Impressive refinance process and excellent online portal!
Simplist is really just simple, the whole process was simple, efficient and straight forward! This was the fastest and simplest refinance I have ever done. Closed my loan earlier than expected! Thank you Anthony/Anna
Fast, capable, and personable
Jared, Dan, and their team got my refi done in less than 30 days, where another bozo team had failed for 3 months before I pulled the plug. Being sold employed shouldn't be a barrier, and this team 'gets it' and helped me save a ton each month. Thanks guys! I'll be back and sending my friends/ family your way soon.
A real person at the other end! A++
After a stalled re-fi process with our existing big bank, I contacted Simplist. Within 2 working days, Ryan and I spoke twice-- actually speaking with someone about this process was comforting. Ryan had a few small concerns early on (about income, balances, etc), but he was clear and forthcoming;; That was very refreshing and appreciated. The whole process took just about 7 weeks. Ryan and Edgar [...]
Fantastic experience re-financing Boulder condo
I worked with James this month to refinance my condo in Boulder. From the beginning, he was such a pleasure to work with. Very knowledgeable, made the process simple, and I am very impressed with the outcome.
Kind, helpful, responsive
Helped me get the best rate I could. Never had time-sensitive delays or scheduling issues. Kept me informed throughout the process and made it go by real quick! 10/10 would recommend
The Grease Kept the Wheels Moving
Jared was such a pleasure to have as our advocate during this process. There were a few bumps in the road with paperwork and scheduling, but he was always right there to smooth things over between all the different parties, and help get things done. I don't think we could have done it without him, frankly. Trust me, this is a guy you want in your corner.
Seamless process
Ryan was extremely helpful and always available throughout the loan process. He provided me with the best rate and the online document signing made the experience quick and easy. Ryan explained every thing very clearly and was completely honest which was very refreshing. I will be recommending simplist and specifically Ryan to all my friends and family.
Responsive, knowledgeable, and helpful
Ryan was extremely knowledgeable and responsive during the entire process. I felt secure that he was looking out for my best interests and getting me the best deal possible on a mortgage refinance. He dealt with all of my questions admirably and we were able to close the refi in record time. I would definitely recommend him for anyone seeking mortgage-related assistance.
James Green, A True Professional
I’ve read many reviews, many of which are rich in platitudes, so let me cut to the chase. James Green is the best mortgage loan officer I have ever worked with, bar none. I speak with some authority, as I’ve gone through the mortgage exercise multiple times. This is not my first rodeo! From my initial contact to the closing of the refi, James was with me every step of the way. I specified the [...]
Simplist helped me close my loan faster than those who applied direct with the lender
Jeffrey was responsive and knowledgeable. He kept me updated on the status of my loan on a regular basis. I had a positive experience and am so excited about my refinance.
A Most Positive and Professional Experience
My initial contact with Simplist, was with Mr. James Green (Senior Loan Officer). The information and direction communicated by Mr. Green was precise and knowledgeable, with strong evidence of his apparent mortgage refinance expertise. I was guided step by step with a detailed efficient program that was easily completed on-line, and expedited into a smooth and timely process resulting in my [...]
What a pleasure it was to work with Ryan at Simplist!
This was the 3rd time that I've done a refinance and I wish the other two times were this easy. I called several lenders and Ryan was by far the most thorough loan officer that I spoke with. To top it off, he had the lowest rate compared to everyone else I spoke with, including my own bank that had my mortgage! I didn't believe Ryan at first about how quickly we would close, but he [...]
Easiest refi ever, thanks to Ryan!
My mortgage rate was pretty low when I got it several years ago so I didn't plan to refi until I saw that I could save at least a point on it. I am so busy, while I've been working from home since our quarantine it's made work harder in many ways. I say this because I REALLY didn't want to go through a refi. All the paperwork, gathering things, sending things, closing things, [...]
Fantastic Experience
James is professional, kind, and prompt to respond to all communications, regardless of the day or time. He also was very helpful with troubleshooting when it was necessary. Its been a pleasure working with him.
Quick, Easy to work with, Professional, Friendly
James and his team of specialists handled my refinance so smoothly that I look forward to the next time I can work with them to get an even lower rate in the future :) Financial transitions like this are often laborious and sometimes scary (because of the big decision you are making). However, James and his team made the process very simple, with easy interfaces to upload documents and made [...]
He made it a breeze, great experience.
We recently had the pleasure of working with James on our Refi. We cannot say enough positive things about him and how easy he's made the process for us. Very responsive to text msg and emails, answered any questions we've had right away and put our minds at ease. We already recommend him to family and friends. Thanks again James.
James simply got it done. Period.
Working with James and his teams' modern approach to refinancing is THE way to go. I've had over 10 mortgages in my life and this was the best experience by far. They said what they were going to do, they did what they said they would do and they confirmed it all in a timely manner using effective communications - website, email, text, and voice. THEY EVEN CAME TO MY HOUSE TO CLOSE!
Great platform, great person
I enjoyed every interaction with Jared. The process was easy, he was organized and insightful. I am happy with my refinance experience. He was responsive every time I had a question.
James Green
James Green was wonderful to work with. He was efficient, highly professional, and helped us get our closing done quickly locking in an excellent rate with me in Hawaii and my husband in Colorado during a pandemic...we appreciated him immensely and would absolutely recommend him.
Extremely courteous and helpful, even in a crazy time!
I went through a refi utilizing James and the Simplist platform to refi our home during this time of extremely low rates. James was a great broker, making himself very available (within reason) for any questions I had, and he was great at providing useful info and feedback, even when he was clearly extremely busy with other clients trying to take advantage of the great rates available currently. [...]
Simple and Smooth Refinance
Simple to start and Simple to finish. Jared is a great to guy work with, he is very responsive even on weekend. The process is well designed, i did most of the Review/Sign Off online with clear instructions. Compared with my last refinance many years ago, this time is much easier and smooth
Almost seemless refi
Had a hickup with getting needed documents so interest rate went up but we still dropped our rate by 2.13% so we are saving a bunch of money. Jeff and his team were easy to work with and we would use them again if needed.
Seamless !!!!
My experience refinancing with Ryan was seamless! I was nervous going into the process because I know how tedious and stressful a refi can get but working with Ryan and his team completely changed that. He was quick to respond to all of my questions and I felt as though he really cared about getting the loan closed as efficiently as possible. I will definitely be recommending some of my friends [...]
Amazing
The entire process from start to finish was great. James was very patient and helpful and I never felt pressured. I liked him so much that I recommended him and Simplist to my parents. They are not that good with technology and James has been helping them every step of the way.
Awesome team!
From day one James and Dan were on top of everything. The lines of communication were wide open. They were always available. I’ve never experienced an easier process. Even closing was a breeze!! Thank you Simplist team.. you rock!
Great to work with!
James was great to work with. We found him to be very responsive, day or night, and he always took the time to answer our (many) questions. He patiently worked with us to find the rate we wanted, and was pro-active and moved quickly when that rate became available. 100% I would recommend James.
Would work with again....and did.
Jared completed my first refinance and is currently working a second. Quick and straightforward communication. Process was easier than expected and we have him bookmarked for potential future properties. Working a third refi for my mother that did not go through Jared and process is taking twice as long. Wish I found him sooner.
Excellent
Everything online. Lower rates and fees than my own bank of many years. James from Simplist was extremely knowledgeable and a great personality besides. This guy could be a company unto himself.
Refi during the apocalypse!
I started the process in the middle of february. Im self employed. During Covid, the rules and regulations were constantly shifting. It was becoming difficult to get straight answers from the lender. But not from Jared. While i was pulling out what little hair i have left in frustration, Jared was a rock. He never had any doubt, never gave up, never stopped fighting for me. He was always [...]
Great experience
Refinancing through Simplist was a breeze. We received lower rates than any others we inquired with, even our long time mortgage broker who we've worked with through other transactions. Closed in a couple weeks, almost entirely virtual beyond end of process signing and Jared and Kevin were always available to take our questions and adjust as needed throughout the process. Highly recommend.
Relatively painless process, great rates!
James was great to work with, despite a few kinks (typo on my cell phone number didn't help). He was knowledgeable and was able to get us to the closing table in good time, even with how busy things are. Rates were great, and fees were reasonable. Would recommend Simplist again!
Great to work with, just as discussed
Jared and Simplist were great to work with. I was leary at first as. I generally prefer to go direct to the lender but I'm glad I didn't. Jared shopped around for the best rate and terms for me and stayed in constant communication along the way. Would strongly recommend him and have already sent 3 referrals to him. Will use him again for my next mortgage.
Easier than you think
James was the easiest "loan guy" to communicate with. Very prompt, and used text, phone, and email. Shopped arounded on rate, but James was by far the most pleasant to deal with, so I was really happy he has the best rate too!
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