John R. Simpkins, NMLS #334454, Senior Loan Officer

John R. Simpkins, NMLS #334454, Senior Loan Officer John and his team offer you a better way to bank. Message us to learn more about our mortgage soluti John Simpkins was born and raised in Washtenaw County.

John has lived in Ann Arbor, Ypsilanti, Dexter, Whitmore Lake & Chelsea, but Ann Arbor is home. Being born into a local real estate family business, this industry has always been second nature to John. John attended Michigan Lutheran Seminary and Eastern Michigan University (but is a Wolverine fan!). He began Residential and Commercial Loan Origination at the age of 20 and he has over 16 years of professional real estate and mortgage lending experience.

06/11/2026

Thinking about buying property in Michigan or elsewhere? I’m federally licensed in all 50 states and can be a resource for your journey. Call me today to get started on your pre-approval! 734-531-8040.

The first step to your new front door? It’s not a walkthrough-–it’s a pre-approval. Why is this step so important?Know y...
06/08/2026

The first step to your new front door? It’s not a walkthrough-–it’s a pre-approval.

Why is this step so important?

Know your budget: No more guessing what your monthly payment looks like.

Negotiating power: Sellers prioritize offers that come with a "thumbs up" from a lender.

Peace of mind: Shop with confidence knowing exactly what you can afford.

The process is simpler than you think! If you have questions about where to begin, I’m here to help.

📩 Contact me today: [email protected]

06/06/2026

Don't ignore the red flags when choosing a mortgage lender! If something doesn't feel right with your loan estimate, it’s always okay to get a second opinion.

Have you ever been told you need a 20% down payment to buy a house?I hear this all the time from prospective home buyers...
06/05/2026

Have you ever been told you need a 20% down payment to buy a house?

I hear this all the time from prospective home buyers, and it is simply not true.

While many lenders charge private mortgage insurance (PMI) if you don’t put at least 20% down, you can buy a home with a much smaller down payment.

At First Merchants, we have loan options with as little as 3% down or no money down. And some of our programs don’t charge PMI regardless of the down payment amount.

If you need help understanding the costs of buying a house, please let me know. I am here to help!

https://myoc.io/teamsimpkins

Budgeting doesn't have to be a chore. Master your money with the 50/30/20 rule:50% Needs 30% Wants 20% SavingsFocus on w...
06/04/2026

Budgeting doesn't have to be a chore.

Master your money with the 50/30/20 rule:
50% Needs
30% Wants
20% Savings

Focus on what you love today while securing your tomorrow.

November is a good time to start planning your new build or home renovation – and I’m here to help. Whether you're dream...
05/31/2026

November is a good time to start planning your new build or home renovation – and I’m here to help.

Whether you're dreaming of a custom kitchen, more space for the holidays, or building from the ground up, our construction and renovation loans can bring your vision to life.

✅ Flexible financing
✅ One-time close options
✅ Attentive guidance from start to finish

📲 Let’s talk before the new year and get your project rolling!

https://myoc.io/teamsimpkins

Thinking about refinancing one day? Here’s what the process looks like:1️⃣ Determine your goals - are you looking to low...
05/30/2026

Thinking about refinancing one day? Here’s what the process looks like:

1️⃣ Determine your goals - are you looking to lower your monthly payment, shorten your loan term, or tap into equity?

2️⃣ Shop lenders - compare rates and offers to see what fits your goals best.

3️⃣ Apply for the refinance - you’ll submit an application, just like when you bought your home.

4️⃣ Appraisal & underwriting - your home may need a new appraisal, and the lender will review your financials.

5️⃣ Close on the new loan - sign the paperwork, and your old mortgage is replaced with the new one.

A refinance can save you money or help you reach financial goals, but it’s not always the right move for everyone. Want to see if it makes sense for you? Message me for a free refinance analysis and we’ll run the numbers together!

https://myoc.io/teamsimpkins

05/28/2026

Planning a home renovation over $100k? Whether it’s a new pool, windows, driveway, or an addition, let’s take your home to the next level. 734.531.8040.

When you're browsing homes online, it's easy to look at the "Estimated Taxes" and think, "I can afford that!"But here’s ...
05/26/2026

When you're browsing homes online, it's easy to look at the "Estimated Taxes" and think, "I can afford that!"

But here’s the 2026 reality: The taxes the current owner pays are often capped based on how long they've lived there. The moment you buy that home, those taxes "uncap" and reset to the new purchase price. 🚀

How we help: At Team Simpkins, we help you look past the current listing data to estimate what
your actual tax bill might look like once the sale is recorded.

Know your real numbers before you make an offer. Start here: teamsimpkins.com

05/18/2026

Only ONE Team Simpkins! Ready to start? teamsimpkins.com

Address

1328 S Main Street
Ann Arbor, MI
48104

Telephone

+17345318040

Website

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