Simpler Lending / Michael Pritschow

Simpler Lending / Michael Pritschow Not your 8-to-5 lender. Independent mortgage broker who walks you through every step.

Corporate NMLS #1674560 | Simpler Lending Powered by My Community Mortgage NMLS #2408499 | Equal Housing Lender Providing opportunities for low rates, hassle free mortgages for buying or refinancing a home throughout Texas.

Thank you. Genuinely.To every client who called me this week — thank you for trusting me with something this big. Buying...
06/19/2026

Thank you. Genuinely.

To every client who called me this week — thank you for trusting me with something this big. Buying a home is one of the most significant financial decisions you will ever make. The fact that you picked up the phone and called means more than you know. I don't take it lightly.

To every Realtor who sent me a referral this week — I don't take that lightly either. When you send someone my way you are putting your reputation on the line. I will always take care of them. Always.

And to anyone who shared a post, tagged a friend, or said my name to someone who was thinking about buying — thank you. That is how this business grows. Word of mouth built everything I have. Every single name matters.

This week was a good one. Hard files, good conversations, clients moving closer to the keys.

Happy Friday. I'm here if you need me.

— Michael

First home at 28. Rental property at 30.This is what the plan looks like when it actually works.Year one — he called me ...
06/18/2026

First home at 28. Rental property at 30.

This is what the plan looks like when it actually works.

Year one — he called me as a nervous first-time buyer. FHA loan. 3.5% down. He thought he couldn't afford it. We looked at the numbers together and found a way. He closed and moved in.

I called him at his one-year anniversary like I do with every client. We talked. He mentioned the home had gone up in value. I asked what he was thinking about doing with the equity.

He hadn't thought about it yet.

Two years after closing, DFW had appreciated and he had built meaningful equity. We talked through his options. One of them was using that equity as a down payment on a second property.

Year three — he bought a rental. Used the equity from home #1 as the down payment. Rented it immediately. The tenant's rent covers the mortgage.

He is 30 years old and owns two properties in DFW.

He started by just calling me.

Closing day is the starting line. Not the finish line. That call at the one-year mark — that's where the next chapter starts.

Tag someone who is thinking about buying their first home.

📩 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.

If you've owned your home for a few years and built equity — that equity is not just a number on paper. It's working cap...
06/17/2026

If you've owned your home for a few years and built equity — that equity is not just a number on paper. It's working capital.

A cash-out refinance lets you access that equity without selling your home.

Here's how it works: you refinance your existing mortgage for more than you currently owe. The difference comes to you as cash at closing. You keep the home. You keep building equity. You just unlocked what you've already earned.

Smart ways to use it:

✅ Home renovation — put it back into the property and increase your value.
✅ Pay off high-interest debt — credit card rates are brutal. Your mortgage rate is not.
✅ Down payment on an investment property — use the first home to fund the second.
✅ Major life expense — college, medical, business — sometimes it makes sense.

When it doesn't make sense:

❌ Funding lifestyle spending with no financial return.
❌ When the new rate is significantly higher than your current rate — run the math first.
❌ If you're planning to move in 2-3 years — you may not recoup the closing costs.

This isn't a tool to use carelessly. But for the right situation it is one of the most powerful financial moves a homeowner can make.

If you've been sitting on equity and wondering what to do with it — that's exactly what the call is for.

📩 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. Cash-out refinance subject to qualification and available equity.

One of the most common things I hear from first-time buyers right before closing:"I thought I just needed the down payme...
06/16/2026

One of the most common things I hear from first-time buyers right before closing:

"I thought I just needed the down payment."

Cash to close is not just your down payment. It is a number made up of several pieces — and if nobody explains it to you upfront, it can feel like a gut punch three days before you sign.

Here's exactly what goes into it:

+ Down payment — the biggest piece, anywhere from 3.5% to 20%+ depending on your loan type.

+ Closing costs — lender fees, title fees, appraisal, recording fees. Typically 2-3% of the loan amount.

+ Prepaid interest — covers the interest from your closing date to your first full payment date.

+ Homeowners insurance — first full year paid upfront at closing.

+ Property tax escrow — 2-3 months of property taxes collected upfront to seed your escrow account.

− Earnest money — already wired, credited back against your total.

− Seller credits — if you negotiated them, they reduce what you bring to the table.

Every single one of these is explained to my clients before we ever get close to closing. I walk through the estimated cash to close at the very beginning so there are no surprises at the end.

No surprises. Ever. That's the deal.

Tag someone who is in the middle of buying right now.

📩 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. Amounts vary by loan type, purchase price, and transaction.

This is the most important thing I will post all month. Please read it and share it.Wire fraud targeting home buyers is ...
06/15/2026

This is the most important thing I will post all month. Please read it and share it.

Wire fraud targeting home buyers is real. It is sophisticated. And it has wiped out entire down payments — money that cannot be recovered.

Here is exactly how it works:

Scammers monitor real estate email threads. They watch for the signs that a closing is coming. Then — days before closing — they send an email that looks exactly like it came from your title company or your lender. It has a logo. It has professional language. And it has "updated" wiring instructions with a new account number.

The buyer wires their closing funds to that account.

The money is gone. Immediately. Unrecoverable.

This happens every day across the country. It has happened in DFW.

Here is how you protect yourself:

Never wire funds based on an email alone. Always call to verify the wiring instructions using a phone number you already have — not a number from the email.

Wiring instructions from my office will NEVER change at the last minute. If you get an email saying they have — stop. Do not wire anything. Call me directly.

If anything feels off at all — pick up the phone. A two-minute call can save your life savings.

Share this with anyone you know who is buying a home right now.

📩 My number is always available — DM me.

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

Squishy Dumplings. You buy one not knowing what color you'll get.People love a surprise.Your mortgage approval should no...
06/13/2026

Squishy Dumplings. You buy one not knowing what color you'll get.

People love a surprise.

Your mortgage approval should not be one of them.

Call me before you go house hunting. Know your number first.

The dumpling mystery is fine. The loan mystery is not.

— Michael

06/12/2026

Not every week goes the way you planned.

Some weeks the hard files pile up. The calls don't land the way you wanted. The momentum you had last week feels like it belongs to somebody else.

Show up anyway.

Not because everything is going great. Because the decision to keep going when it's hard is the whole thing. That's where the character gets built. That's what separates the people who build something lasting from the ones who don't.

The weeks that test you are the ones that matter most. You don't find out what you're made of when it's easy.

Next week is a clean slate.

Rest this weekend. Then go again.

Happy Friday.

— Michael

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

What do Realtors actually need from a lender?Not the lowest rate. It's never been the lowest rate.I've had this conversa...
06/11/2026

What do Realtors actually need from a lender?

Not the lowest rate. It's never been the lowest rate.

I've had this conversation with enough Realtors over 8 years to know what they'll say when you ask what they want in a lender. They'll mention rates. They'll mention fast closings.

But what they actually need — what makes them go exclusive with one lender and never look anywhere else — is something different.

They need someone who picks up the phone on a Friday night when their client is panicking.

They need someone who closes on time. Every time. Without excuses.

They need a lender who handles problems without making the Realtor look bad in front of their client.

They need communication. Not updates when they ask for them — updates before they have to ask.

Here's why this matters so much to a Realtor:

Every client they send to a lender is a direct reflection of their reputation. When the lender is slow, unresponsive, or drops the ball — the Realtor's client blames the Realtor. They're the one who made the recommendation. They're the one who looks bad.

That's why the best Realtors in DFW go exclusive with one lender who has earned it — not one who offered them the best marketing package.

I don't just want to work with your clients. I want to make you look good every single time.

DFW Realtors — my phone is always on. Let's talk.

📩 DM me anytime.

—
Michael Pritschow NMLS #1674560
Simpler Lending powered by My Community Mortgage NMLS #2408499 🏠
Not a commitment to lend.

#
MortgageBroker .

What does waiting one more year actually cost?Most people who are renting and thinking about buying assume waiting is th...
06/10/2026

What does waiting one more year actually cost?

Most people who are renting and thinking about buying assume waiting is the safe move. Lower risk. More time to save. More time to find the right moment.

Here's what waiting on a $350,000 home actually looks like:

You pay roughly $14,400 in rent over the next 12 months. You build zero equity. You capture zero appreciation. At the end of the year you are exactly where you started — except everything costs more.

Meanwhile the buyer who purchased that same home is building equity with every mortgage payment. In DFW, where home values have historically appreciated 3-5% annually, that's another $10,000-$17,500 in value gained in year one alone.

The difference after one year isn't just the rent you paid. It's the equity you didn't build plus the appreciation you didn't capture. That gap is real money.

Rent increases. Your mortgage payment stays the same.

The best time to buy was last year. The second best time is now.

Waiting has a price tag. Most people just don't add it up.

Tag someone who keeps saying "maybe next year."

📩 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. Numbers for illustrative purposes. Appreciation not guaranteed.

Your offer got accepted. Now what?Most first-time buyers have no idea what the process looks like after that moment. Nob...
06/09/2026

Your offer got accepted. Now what?

Most first-time buyers have no idea what the process looks like after that moment. Nobody explains it. They just wait and wonder if everything is moving the right way.

Here's exactly what happens — in order:

1. Earnest money — Wire your deposit right away. The clock starts here.

2. Inspections & option period — You have a window to learn everything about the home before you're fully committed.

3. Formal loan application — I collect your final documents and put your complete file together.

4. Appraisal — An independent appraiser confirms the home's value supports what you're paying.

5. Underwriting — Full review of your file. They may ask for additional documents. This is normal.

6. Clear to close — Loan is approved. Closing disclosure is issued. You're almost there.

7. Closing day — Sign. Wire your funds. Get the keys.

How fast does this take? It depends on how ready your file is.

I've closed loans in 10 days. I've also closed in 30. The difference almost always comes down to how quickly documents come in and how clean the file is.

Get me your documents fast and I move fast. That's the deal.

No surprises. You'll know every step before it happens — because I tell you before it does.

Tag someone who just went under contract.

📩 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. Timelines vary by loan type, file complexity, and document turnaround.

Address

1504 4th Street
Argyle, TX
76226

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 10am - 6pm
Sunday 10am - 6pm

Telephone

+19402406060

Website

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