Simplist

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

* 2.596% APR, see rate assumptions

* 2.029% APR, see rate assumptions

* 2.572% 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

	Lender	Rate
	Loan Depot
	Quicken Loans
	Caliber Home Loans

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

So Helpful

Available for me 24/7 with any questions I had and explained everything to me. I would absolutely recommend James!

Taylor M.
Belmar, NJ (Feb 2021)

Fast, Efficient, Courteous

Where was Jared on our prior 3 purchases? 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.

Sam D.
Closter, NJ (Jan 2021)

Flawless Transaction

Everything, including the rate, rate lock, upfront cost, and the whole process was explained to me at the beginning and everything was completed as planned and as promised. Honestly, I have never experienced such a painless real estate transaction before.

Rex C.
Diamond Bar, CA (Jan 2021)

What a Pleasure

This was the 3rd time that I've done a refinance and I wish the other two times were this easy.

Natalie P.
New Canaan, CT (Oct 2020)

Couldn’t Have Been Easier

Ryan was a pleasure to work with on my mortgage. He was so knowledgeable and he was so responsive. I couldn’t have been happier.

Jordan B.
Naples, FL (Oct 2020)

Quick, Easy

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 :)

Robert L.
Redwood City, CA (Sep 2020)

Fantastic Experience

James is professional, kind, and prompt responding to all communications, regardless of the day or time. It’s been a pleasure working with him.

Anthony U.
Tampa, FL (Sep 2020)

Made it a Breeze

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.

Soeren Z.
Sloughhouse, CA (Sep 2020)

Great Platform

I enjoyed every interaction with Jared. The process was easy, he was organized and insightful. I am happy with my refinance experience.

Brandon C.
Walnut Creek, CA (Sep 2020)

Simple and Smooth

Simple to start and Simple to finish. The process is well designed. I did most of the Review/Sign Off online with clear instructions.

Kai L.
Torrance, CA (Sep 2020)

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. I will definitely be recommending some of my friends to Simplist.

John Z.
Bogota, NJ (Sep 2020)

Awesome Team

I’ve never experienced an easier process. Even closing was a breeze!! Thank you Simplist team… you rock!

Nekia D.
Sanford, FL (Sep 2020)

Easier Than You Think

Shopped around on rate, but James was by far the most pleasant to deal with, so I was really happy he had the best rate too!

Randi E.
Jacksonville, FL (Aug 2020)

Super Impressed

They were great to work with, were straight up, helped me get the best rate and loan cost I could find anywhere and got the loan closed in great time!

Stephen M.
Pequannock, NJ (Aug 2020)

Fast and Seamless

I've done 4 refi's in my lifetime and this one with James and Simplist was definitely the fastest and easiest. I didn't know it was possible to close that fast.

Kevin W.
San Francisco, CA (Aug 2020)

Proactive and Client Focused

We connected with Ryan via Simplist's pre-approval process (which was loads better than our primary bank or other online platforms). Ryan quickly delivered paperwork, kept us on track, and helped us close on-time.

Samuel K.
South Lake Tahoe, CA (Jul 2020)

Excellent Service

Pleasant, never pushy or aggressive, offering me many mortgage options to choose from. My loan closed on time and I am very happy with the experience.

Debra P.
Valrico, FL (Jul 2020)

Trustworthy, Honest and Dependable

The Simplist website was easy to navigate, and the underwriters were clear and concise about what information they needed. It was a quick process.

Kathie S.
Cape Coral, FL (Jun 2020)

Saved the Day!

Found the rates that I knew were out there. I’d give Jared 100 stars if I could.

David C.
Berkeley, CA (May 2020)

Extremely Smooth Process

James made things easy and simple for me. He answered all my questions, spent the time to crunch numbers and I couldn’t be any happier.

Scott N.
Mt Laurel Township, NJ (May 2020)

Wonderful Experience

They quickly responded to our questions. Always friendly and very knowledgeable! Thank you!!

Leanne H.
Vernon Rockville, CT (May 2020)

Worked Hard

Started the process right before Covid-19 became an issue. I got a very fair rate without having to deal with many different people.

Russel F.
Tolland, CT (Apr 2020)

Highly Recommend

Competitive rates, extremely streamlined process (A++ tech platform), no BS on added fees/etc. – final rates/fees lower than initial estimate.

David P.
Walnut Creek, CA (Apr 2020)

Went Above and Beyond

Jared did an amazing job closing my jumbo loan. Closed on time with a great rate! Customer focused, very efficient and all on-line.

Ron C.
West Hollywood, CA (Apr 2020)

Excellent Service

Sick of all the spam calls to refinance my mortgage and all the hidden fees – so glad I found Anthony with Simplist.

Taylor O.
Ramsey, NJ (Apr 2020)

Two Thumbs Up

Answered all of my questions and addressed all of my concerns. Especially great considering this whole pandemic situation.

Ann L.
Mountain View, CA (Apr 2020)

Smooth Sailing

Kept in constant touch, was level-headed in spite of the wildly changing market conditions, and acted in my best interest at all times.

Bruno T.
Sunnyvale, CA (Apr 2020)

Really Good Experience

I would recommend them to anyone, especially after having some not so pleasant experiences dealing with other potential lenders/brokers.

Drew S.
Carbondale, CO (Feb 2020)

Great Experience

Jared did all the work and I just waited for the okay for my rate and signed. No mess, no hassle.

Constance C.
Port Saint Lucie, FL (Feb 2020)

Great to Work With

Jared was awesome. He found a way to save us $122 a month when other companies said they couldn’t. I definitely recommend working with him and will recommend him to friends and family.

Nick H.
Cocoa, FL (Jan 2020)

Simple, Easy to Navigate Refinance

I worked with James on my refinance and could not have had a better experience!

Gavin M.
Black Hawk, CO (Dec 2019)

Easy

James stepped up to manage the process end-to-end so that I could focus on other areas of my life while we went through the process.

Andrew K.
Denver, CO (Nov 2019)

Quick and Easy

Working with Jeff on our refinance was fantastic. He made everything as easy as possible and it was a stress-free process.

Sarah M.
Summit, NJ (Nov 2019)

You've got a story, we've got a mortgage.