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.

Life changes, and your mortgage strategy may need to change with it.Need to access home equity or consolidate higher-int...
08/31/2026

Life changes, and your mortgage strategy may need to change with it.

Need to access home equity or consolidate higher-interest debt?
⤷ Refinancing could be an option.

Thinking about home additions, updates, or improvements?
⤷ Construction or renovation financing may help.

Need to upsize or downsize for this stage of life?
⤷ Let’s review financing scenarios and talk through what may make sense.

📩 Message me to schedule a free consultation and review your options.

Want to buy your dream home sooner? The fastest way to get there is by tackling your debt first!Here is a quick roadmap ...
08/26/2026

Want to buy your dream home sooner? The fastest way to get there is by tackling your debt first!
Here is a quick roadmap to crush debt and boost your house savings:

Track your spending: Know where every dollar goes and trim the non-essentials to free up cash.

Pick a strategy: Try the Avalanche method (highest interest first) to save money, or the Snowball method (smallest debt first) for quick motivational wins.

Pay over the minimum: Put any extra cash toward your principal to accelerate your payoff time.

Boost your income: Side hustles, freelancing, or negotiating a raise can supercharge your funds.

Protect yourself: Keep a small emergency fund (at least $1,000) so unexpected costs don't derail your progress.

Automate it: Set up automatic payments to stay consistent and avoid late fees.
You don't have to pause your house fund entirely. Find a balance that keeps you moving forward. Consistency is key!

If you’re curious what your “ideal” scenario might actually look like numbers-wise, let’s talk!https://myoc.io/teamsimpk...
08/25/2026

If you’re curious what your “ideal” scenario might actually look like numbers-wise, let’s talk!

https://myoc.io/teamsimpkins

Before setting foot in that open house, know your pre-qualification! Send me a message to learn which houses are in your...
08/17/2026

Before setting foot in that open house, know your pre-qualification! Send me a message to learn which houses are in your budget before house-hunting: [email protected] or visit teamsimpkins.com.

Down payment assistance (DPA) is financial help for homebuyers — often in the form of grants — that can be used toward y...
08/14/2026

Down payment assistance (DPA) is financial help for homebuyers — often in the form of grants — that can be used toward your down payment and closing costs. Many people are unaware that these programs exist or assume they’re out of reach.

If you meet any of the criteria below, you might be eligible for assistance:

🔹 Low-to-moderate household income

🔹 Buying your first home, or haven’t owned a home in the last 3 years

🔹 Purchasing a home in a low‑to‑moderate income census tract

Contact me to learn exactly what you qualify for. My team provides $ millions in down payment assistance every year to homebuyers, and we would love to help you, too.

https://myoc.io/teamsimpkins

08/12/2026

I can help with construction financing. Send your questions my way and let’s get started. [email protected]

Mail theft is a growing concern, impacting millions with stolen packages, checks, and identity fraud. Don't be a victim!...
08/10/2026

Mail theft is a growing concern, impacting millions with stolen packages, checks, and identity fraud. Don't be a victim!

Quick Tips to Protect Your Mail:
📪Get USPS Informed Delivery (it's free!): See what mail and packages are coming before they arrive.
📪 Collect mail daily: Don't leave it sitting in your box.
📪 Install a locking mailbox or get a P.O. Box.
📫 For outgoing mail, use a blue collection box (during the day) or drop it at the post office. Never raise that red flag if you have one!
📪Avoid sending cash or checks through the mail.

Be proactive and secure your mail today!

Thinking about updating your home this year? 🏡From small upgrades to bigger renovations, there are multiple ways to fina...
08/06/2026

Thinking about updating your home this year? 🏡

From small upgrades to bigger renovations, there are multiple ways to finance home improvements.

We offer options like home equity loans, HELOCs, construction loans, a Home Improvement Loan, and our New Look loan – designed for homeowners who may not qualify for a traditional home equity loan.

If a home refresh is on your list this year, let’s explore what could work for you.

https://myoc.io/teamsimpkins

Address

1328 S Main Street
Ann Arbor, MI
48104

Telephone

+17345318040

Website

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