Simpler Lending / Michael Pritschow

05/30/2026

Saturday morning done right.

Function Coffee Co. is the new Saturday plan. Drink Local, Northlake, TX.

DFW — you need to try this place.

— Michael

05/29/2026

Nobody sees the work before the work.

But somebody always does it.

The phone call at 9pm nobody asked for. The extra hour on a problem that could have waited until Monday. The decision to push through when putting it down would have been easier.

That's true in every industry. Every business. Every career.

The people who build something real aren't doing it because it's easy. They're doing it because they decided the result was worth the process — even when the process is invisible.

That's the mindset that changes things.

Last Friday of June. Whatever you're building — keep going.

Happy Friday.

— Michael

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Michael Pritschow NMLS #1674560
Simpler Lending powered by My Community Mortgage NMLS #2408499 🏠

05/28/2026

The lender you choose has real consequences. This story is why.

A buyer went under contract on a home. Used a lender they found online — lowest rate, fast approval, great reviews. Closing date was set. Earnest money was in.

Ten days before closing, the lender went quiet.

Stopped returning calls. Missed internal deadlines. The loan was not going to close on time. Earnest money was at risk. The deal was starting to unravel.

They called me ten days out.

I won't pretend it was easy. We worked the file around the clock. Every person involved had to move fast. But we got it done. Closed on time. Earnest money protected. Buyer got the keys.

The lender you pick is not just about the rate.

It's about who answers the phone at 9pm. Who stays on the file when things go sideways. Who doesn't let your deal fall apart because something got complicated.

I've been doing this for 8 years. I answer every call. I work every file. I don't disappear.

I pick up. Every time.

📩 DM me or book a call — link in bio.

—
Michael Pritschow NMLS #1674560
Simpler Lending powered by My Community Mortgage NMLS #2408499 🏠
Not a commitment to lend. Client story shared in general terms. Results vary.

05/27/2026

If you put less than 20% down on your home, you're probably paying PMI every month.

Private Mortgage Insurance. It protects the lender — not you — in case you default. And you're paying for it.

Here's what that actually costs:

$100-200 per month on average. $1,200 or more per year. And not a single dollar of that builds equity in your home.

The good news — PMI is not forever. Here's how to get rid of it:

1. Reach 20% equity in your home and request removal. Once your loan balance drops to 80% of the original purchase price, you can ask your lender to cancel it.

2. Your lender is legally required to cancel it at 22% equity. Automatically. By law. You don't even have to ask — but it helps to know it's coming.

3. Refinance out of it. If your home has appreciated since you bought it, you may already have 20% equity based on current value. A refinance could eliminate PMI entirely.

If you've owned your home for a few years and you're still paying PMI — it might be worth a conversation about where you actually stand.

Stop paying for insurance that protects the lender, not you.

📩 DM me or book a call — link in bio.

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Michael Pritschow NMLS #1674560
Simpler Lending powered by My Community Mortgage NMLS #2408499 🏠
Not a commitment to lend. PMI removal subject to lender guidelines and loan terms.

05/26/2026

VA loans are one of the most powerful mortgage benefits available in this country. And they are dramatically underused.

Here's what a VA loan gives eligible veterans:

✅ Zero down payment. None.
✅ No private mortgage insurance — ever. That alone saves hundreds per month.
✅ Competitive rates — often lower than conventional loans.
✅ More flexible credit requirements.
✅ A cap on closing costs — lenders cannot overcharge you.
✅ And you can use it more than once.

This benefit was earned. It exists for a reason. And too many veterans either don't know about it or think they don't qualify.

Who qualifies:

Active duty service members. Veterans with qualifying service length. National Guard and Reserve members in many cases. And surviving spouses of veterans in certain situations.

If you or someone you know served — please share this.

The VA loan benefit doesn't expire. It doesn't run out. It's yours.

Don't leave it on the table.

📩 DM me or book a call — link in bio.

—
Michael Pritschow NMLS #1674560
Simpler Lending powered by My Community Mortgage NMLS #2408499 🏠
Not a commitment to lend. VA loan eligibility subject to service requirements and lender qualification.

05/25/2026

Today is not about mortgage rates.

It's about the men and women who gave everything so we could have the lives we get to live.

The freedom to build a business. To own a home. To watch our kids graduate. To spend a Monday at the lake without a worry in the world.

None of that is guaranteed. Someone paid for it.

We don't forget that today.

Thank you to all who served — and to the families who carry them. Your sacrifice is not taken lightly.

From our family to yours — Happy Memorial Day.

— The Pritschow Family

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Michael Pritschow NMLS #1674560
Simpler Lending powered by My Community Mortgage NMLS #2408499 🏠

05/23/2026

My wife is incredible at many things.

Oven tacos are not one of them.

We're working on it.

— Michael

05/22/2026

He did it, 2026 graduate! Congratulation to all the 2026 High School Graduates.

05/22/2026

05/21/2026

Rates drop and everyone asks — should I refinance?

Maybe. But not automatically.

Here are the 3 questions I ask every homeowner before we talk refinance:

1. How much lower is the new rate? If the difference is less than half a percent, the cost of refinancing usually wipes out the savings. It needs to move the needle.

2. What are the closing costs? Refinancing costs money — typically 2-3% of the loan amount. That's real money you need to earn back through your lower payment.

3. How long are you staying in the home? If you're moving in 2 years, you may never break even.

Here's the math that actually matters:

Take your closing costs. Divide by your monthly savings. That tells you how many months until you break even. If you're staying longer than that — refinancing likely makes sense. If you're not — it probably doesn't.

This is why I say don't refinance because rates dropped. Refinance because the numbers work for YOUR situation.

If you bought a home in the last few years and rates shift meaningfully — call me. I'll run the numbers for you in 10 minutes.

📩 DM me or book a call — link in bio.

—
Michael Pritschow NMLS #1674560
Simpler Lending powered by My Community Mortgage NMLS #2408499 🏠
Not a commitment to lend. Refinancing subject to qualification. Cost estimates for illustrative purposes.