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

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United States
Ann Arbor, MI
John R. Simpkins, NMLS #334454, Senior Loan Officer

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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.

10/28/2026

Before buying a house, make sure you have a 6-to-12-month emergency fund saved to cover hidden costs like maintenance, unexpected repairs, and life's surprises.

10/26/2026

Know your loan options!

➕ Conventional Loans: Financing that isn’t government-insured. They can be conforming or non-conforming, including jumbo loans.

➕ Jumbo Mortgages: Loans designed for financing higher-priced homes that exceed conventional conforming loan limits. They may have different qualification requirements and terms than conventional loans.

➕ Government-Backed Loans: FHA, VA, and USDA loans each have their own eligibility requirements and can offer options for qualified buyers.

➕ Fixed-Rate Mortgages: Your interest rate stays the same for the life of the loan, making monthly payments more predictable.

➕ Adjustable-Rate Mortgages: The rate can change over time based on market conditions, often starting with a lower initial rate.

Every loan has pros and cons. The right choice depends on your finances, goals, and plans for the future.

Have questions? Reach out anytime at [email protected] or visit teamsimpkins.com.

10/23/2026

You don’t have to guess what buying a home will cost.

📩 Message me to schedule a free consultation, and I’ll break-down the real numbers for you.

https://myoc.io/teamsimpkins

10/19/2026

Mortgage rates are hitting a three-year high! Reach out to learn how current rates impact you. 734-531-8040.

10/16/2026

Bought or refinanced a home recently and suddenly started getting a flood of calls, emails, and mail from other lenders?

Your credit information can be used to make prescreened offers of credit and insurance. If you'd rather not receive these offers, you can opt out through OptOutPrescreen.com.

You can opt out for 5 years or permanently, and you can opt back in later if you change your mind.

Have questions? Send me a message. I use it myself!

10/14/2026

When you’re ready to upgrade to your next home, there are a few options for financing. Here are some common strategies:

1. Carry Two Mortgages Temporarily
If you’ve saved enough for the down payment and your budget allows, you can buy your new home before selling and pay both mortgages (plus maintenance and utilities) for a short period.

2. Use a Bridge Loan
If you need access to down payment money in order to buy before selling, a short-term bridge loan can “bridge” the gap so you can buy now and repay later. It’s convenient but comes with interest and fees.

3. Get a Home Equity Line of Credit
Tap into the equity in your current home to cover the down payment on your next one. You’ll pay it back after your old home sells, making this a flexible option if you have equity available.

4. Recast Your Mortgage After Selling
Once your old home sells, request a mortgage recast and apply the proceeds as a lump sum toward your new mortgage. Your lender recalculates your monthly payment based on the lower balance without refinancing.

5. Make a Contingent Offer
Not a financing tool, but worth mentioning: you can make your new home purchase contingent on selling your current home. It’s less risky financially but can make your offer less competitive.

✅ Tip: The best option depends on your timeline, equity, and comfort level with carrying two homes temporarily. A mortgage professional can help you compare costs and risks. Message me to discuss your situation.

https://myoc.io/teamsimpkins

10/12/2026

Football season is back! 🏈 Keep an eye out for tailgate invites coming soon, and email us if you need to get on the list!

10/09/2026

Thank you for your testimonials! They mean the world to me!

10/08/2026

Looking for the right real estate agent? Ask these questions:

🔑 How much experience do you have?
🔑 How well do you know my local market?
🔑 How would you approach my goals?
🔑 How do you communicate with clients?
🔑 Can I speak with past clients?

The right agent should be someone you trust and feel comfortable working with. What would you add?

10/07/2026

Love this!!

Address

1328 S Main Street
Ann Arbor, MI
48104

Telephone

+17345318040

Website

https://www.teamsimpkins.com/

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