Simpler Lending / Michael Pritschow

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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.

Sometimes dessert at the end of a tough week is needed! It's only a small piece.
09/05/2026

Sometimes dessert at the end of a tough week is needed! It's only a small piece.

09/04/2026

"There is always a way."

Not because every deal is easy. Because I don't stop looking until I find it.

Happy Friday.

— Michael

A quick one for my Realtor partners.Price gets attention. It's not what gets an offer accepted.Listing agents are lookin...
09/03/2026

A quick one for my Realtor partners.

Price gets attention. It's not what gets an offer accepted.

Listing agents are looking at the whole file — the pre-approval, the earnest money, the contingencies, the lender behind it.

A real pre-approval beats a pre-qual every time. A serious earnest money deposit signals a serious buyer. Fewer contingencies means fewer reasons for the seller to say no.

And the lender matters more than people think. If I don't answer the phone, your client's offer looks weak — even if the numbers are good.

Send me the offer before you write it. I'll tell you if the financing holds up before you find out the hard way.

Tag a Realtor who needs this before their next offer.

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

Your rent can go up every single year. Nobody has to ask your permission.Your mortgage payment? Once you lock a fixed ra...
09/02/2026

Your rent can go up every single year. Nobody has to ask your permission.

Your mortgage payment? Once you lock a fixed rate, it's locked. Same principal and interest payment in year 10 as year 1.

That's not a rate promise — it's math. Rent has no ceiling. A fixed rate does.

Over time, that difference adds up to real money staying in your pocket instead of your landlord's.

Tag someone who's still on the fence about renting vs. buying.

📩 DM me or book a call — link in bio.

—
Michael Pritschow NMLS #1674560
Simpler Lending powered by My Community Mortgage NMLS #2408499 🏠
Figures illustrative. Not a guarantee of future rent or rate conditions.

Happy September. Starting the month with something every buyer under contract should know about.What happens if your clo...
09/01/2026

Happy September. Starting the month with something every buyer under contract should know about.

What happens if your closing date gets delayed?

First — delays happen. They're frustrating but they're common, and most of them are fixable. Here's what causes them and what they can cost you.

Common reasons a closing gets pushed:

Missing documents. The most preventable one. When a lender requests something, the faster you respond the faster the file moves.

A low appraisal that requires renegotiation between buyer and seller.

Title issues discovered during the title search — liens, errors in ownership history, or unresolved claims.

Lender conditions that weren't cleared in time — outstanding items from underwriting that needed more documentation.

Last-minute credit or employment changes that trigger a re-review of the file.

What a delay can actually cost you:

Rate lock extension fees. If your lock was set for a specific closing date and you miss it, extending can cost hundreds of dollars.

Per diem charges. Some contracts include daily penalties for delayed closings — that cost falls on whoever caused the delay.

Temporary housing. If you're already out of your lease and closing gets pushed — you need somewhere to sleep.

Movers rescheduled at higher rates. Last-minute rescheduling is expensive.

Most delays are preventable. Respond to your lender fast. Send documents the day they're requested. Ask questions early. I handle everything on my end — but the buyer's responsiveness matters more than most people realize.

Tag someone who is under contract 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. Closing timelines vary by transaction.

Last Monday of August. Finishing the month with a mistake that almost nobody plans for.Spending every dollar to close — ...
08/31/2026

Last Monday of August. Finishing the month with a mistake that almost nobody plans for.

Spending every dollar to close — and leaving nothing behind.

Most buyers are so focused on saving for the down payment and closing costs that they drain everything they have to get to the table. They close. They get keys. And then the water heater goes out.

Or the AC. Or the refrigerator. Or the car needs repairs. Or life just happens — because it always does.

And now they're homeowners with a mortgage payment and no cushion.

Here's what a lot of buyers don't know: some loan programs actually require cash reserves as part of the qualification. Reserves are typically defined as the number of months of mortgage payments you have left in savings after closing. If your account is at zero the day you close — that's a problem during underwriting, not just after.

Even if reserves aren't required for your specific loan, having 2-3 months of mortgage payments in savings after closing is the right standard to aim for.

Closing is just the beginning. Plan for what comes after.

If you're trying to figure out how to save enough for both the purchase and a reserve cushion — that conversation is exactly what I'm here for.

Tag someone who is saving to buy a home 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. Reserve requirements vary by loan type and lender.

Stayed in. Made ramen.Chicken, soft boiled egg, bok choy, corn, green onions.Sometimes the best meal is the one you make...
08/29/2026

Stayed in. Made ramen.

Chicken, soft boiled egg, bok choy, corn, green onions.

Sometimes the best meal is the one you make at home.

Happy Saturday.

— Michael

08/28/2026

Last Friday of August.

The people who are going to win in the fall started preparing in the summer.

Whatever you're building — keep going. The work you put in when nobody's watching is what shows up when it matters.

Happy Friday.

— Michael

This one is for the Realtors.The lender you refer matters as much as you do.Your reputation doesn't stop at the contract...
08/27/2026

This one is for the Realtors.

The lender you refer matters as much as you do.

Your reputation doesn't stop at the contract. It follows the file all the way to the closing table — and sometimes past it.

When a deal falls apart, when the buyer panics, when the closing gets delayed, when there's a surprise on the settlement statement — your client doesn't always blame the lender. They blame the person who put the team together.

That's you.

Your client's experience with their lender reflects directly on you. A lender who goes dark, misses deadlines, or drops surprises at the table is a problem that has your name on it — even if you had nothing to do with it.

Here's what Realtors deserve from a lender:

Communication before you have to ask for it. Pre-approvals that actually hold up under underwriting. A lender who picks up the phone — not voicemail, not a form, a person. No surprises at the closing table. And a partner who protects your client and your reputation at the same time.

Your referral is your reputation.

Make sure the lender earns it.

Tag a Realtor who knows exactly what I'm talking about.

📩 DM me — let's talk about what working together looks like.

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

Most people never do the math on 10 years of renting vs. 10 years of owning. Here it is.Starting point: $1,800 per month...
08/26/2026

Most people never do the math on 10 years of renting vs. 10 years of owning. Here it is.

Starting point: $1,800 per month in rent versus buying a $380,000 home in DFW.

After 10 years of renting:
— Paid roughly $252,000 in rent — and that's assuming only modest increases
— $0 in equity
— $0 in appreciation captured
— $0 in net worth from housing

After 10 years of owning:
— Paid roughly $200,000 in mortgage payments — less than rent
— $80,000+ in principal paid down
— $150,000+ in appreciation on a DFW home
— $230,000+ in total equity and net worth built

The renter paid more. The owner built a quarter million dollars in wealth.

And here's the part that never gets mentioned: the owner's payment stayed exactly the same for 10 years. The renter's went up almost every year.

The same money. Completely different outcomes. The only difference was the decision made on day one.

10 years goes fast. The math doesn't get better by waiting.

Tag someone who is still on the fence.

📩 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. Figures approximate. Past appreciation not a guarantee of future results.

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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