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Mark Simon

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Mark A. Simon
Sr. Loan Advisor
949-246-5880 mobile
[email protected] Mark has consistently ranked amongst the Top 200 Mortgage Loan Officers in the U.S.

A 33 year veteran in the mortgage banking industry/brokering industry, Mark Simon is dedicated to the highest level of customer service. as ranked by The Scotsman’s Guide and Mortgage Originator Magazine. Mark attended Rider University, and soon after College, began his career in Mortgage Banking with City Federal Savings, in Princeton, New Jersey. As a 30 year resident of Southern California via New Jersey, Mark lives in Newport Heights with his wife, Joyce, and enjoys many of the outdoor benefits of living in the best climate in the world. Our amazing beaches, hiking, mountain biking, skiing, as well as live music, great food, and always learning from others! Mark and his wife Joyce Simon, are actively involved with local charities such as Child Help, the Boys and Girls Club, and various animal rescue societies.

09/17/2026

Yesterday’s Federal Reserve announcement (.25% increase in the Fed Funds Rate) is having an impact on the mortgage market — but not necessarily for the reason people may think.

The rate hike itself was largely expected. What moved markets more was Fed Chair Warsh’s tone during the press conference, where he emphasized the strength of the economy and the Fed’s continued focus on fighting inflation.

That pushed mortgage rates higher in the short term, reaching their highest levels since January 13th.

Long term, a strong commitment to controlling inflation can help bring more stability to interest rates. But in the near term, markets are still digesting what this means for future Fed action, the economy, and global uncertainty.

Bottom line: mortgage rates can move quickly and today is a good reminder of why it’s important to stay informed and have the right guidance when making home financing decisions.

Using Private Bank relationships, Credit Unions, Fannie/Freddie, and many other competitive resources, I have a solution and competitive interest to support your loan needs today!

For the purchase of a new home, Bridge Loan, debt consolidation/refinance loan, or HELOC, I can offer the best solutions and terms available today. Please let me know how I can best help you.

Mark A. Simon
V. President, Sr. Loan Officer
United American Mortgage
[email protected]
949-246-5880 Direct

04/29/2026

Following today’s Federal Reserve decision to hold interest rates steady, mortgage markets are showing signs of continued stability — though no significant relief.

The Fed’s move keeps its benchmark rate unchanged as it continues to monitor inflation and broader economic conditions. For the housing market, that means mortgage rates are likely to remain in the high 5% range to low 6% range in the near term, rather than dropping sharply as hoped by this time in 2026.

For buyers and homeowners, the current environment reflects a market that is adjusting rather than rapidly shifting. Rates are below recent highs but still elevated compared to previous years, while housing inventory in many areas is gradually improving.

Industry professionals note that the Fed’s pause may bring more predictability to borrowing costs, even if affordability challenges remain. As a result, activity in the housing market is expected to continue at a steady pace, with many buyers weighing current opportunities against the possibility of future rate changes.

Please let me know how I can assist you with any mortgage lending needs or solutions that might allow you to present an offer to a seller soon!

Mark A. Simon
949-246-5880
[email protected]
Cell: 949-246-5880

01/29/2026

The Fed wrapped up its latest meeting—and there were no surprises. Interest rates were held steady, and Chair Powell signaled the Fed isn’t in a rush to cut again anytime soon.

What does that mean for buyers and homeowners?

- Rates are staying relatively stable for now
- The economy is still growing, and the job market remains steady
- Markets are still expecting potential rate cuts later this year, but nothing is guaranteed

Bottom line: If you’re waiting for a dramatic drop in rates, it may take time. If you’re thinking about buying, refinancing, or planning your next move, having a strategy matters more than trying to time the Fed.

Have questions about what today’s rate environment means for you? Please reach out to me so that we might talk through your options in today’s lending environment.

Mark A. Simon
949-246-5880
[email protected]

12/10/2025

🏡 💡 Big news for homeowners today — the Federal Reserve has cut interest rates for the third time this year, lowering the federal funds rate to 3.50–3.75%.

For homebuyers, prospective homeowners, and anyone looking to refinance — this could be an opportune moment to lock in more favorable mortgage rates.

Thinking about buying or refinancing? Please call me anytime - I’m here to help best navigate how you can capitalize on today’s Federal Reserve action . 🏡

Mark A. Simon, Sr. Loan Officer/Vice President, U.A.M. Co.
NMLS: 286568
BRE: 01150369
949-246-5880 Mobile
[email protected]

11/27/2025

🦃🍁 Happy Thanksgiving from Mark A. Simon and our Mortgage Team! 🍁🦃

We are grateful for the trust our clients, partners, and community place in us all year long. Helping families achieve their homeownership dreams is an honor we never take for granted.

May your holiday be filled with warmth, gratitude, and time with the people who matter most.
From our family to yours — Happy Thanksgiving! 🧡🏡

11/11/2025

I am honored to serve many veterans and military families—as clients, partners, and colleagues.

Today, we pause to express our deep gratitude for their service and sacrifice, and to reaffirm our responsibility to serve them with the same excellence, respect, and integrity they’ve shown our nation.

Thank you to all who have served—and to our team for continuing to live our values every day, not just on Veterans Day. 🇺🇸

10/30/2025

As was anticipated, the Federal Reserve lowered the federal funds rate target range by .25-basis points to a 3.75 percent to 4.00 percent range yesterday and announced that balance sheet runoff (or “Quantitative Tightening”) will end on December 1. Chair Powell avoided signaling whether another cut will follow in December, though the market still expects one. The economy appears to have slowed sharply in the fourth quarter of this year but is projected to regain momentum in 2026 as fiscal and monetary policies both become more supportive.

In a free market, interest rates are determined by supply and demand. Despite the cut in overnight rates, which was entirely expected, mortgage rates rose slightly. Because of the uncertainty of another cut in December? Not uncommon, however, Mortgage Rates remain at 12-month lows and the market for both home purchases and refinancing has heated up in recent weeks.

Let’s connect and review how rates today and in the near term might benefit your decision to purchase a home or refinance your current loan.

09/17/2025

🏡 Great News for Housing & Mortgage Markets

As anticipated, the Federal Reserve today has cut its benchmark rate by .25 bps to 4.0–4.25% — the first reduction since Dec. 2024. This move paves the way for lower mortgage rates, improved affordability, and stronger housing demand. While inflation remains above target, this step signals renewed momentum for homebuyers and refinancers alike. Mortgage rates are at the lowest level of the year.

For those contemplating a home purchase this year or a possible refinance please reach out anytime to best strategize the best course of action. I am here to help!

Mark A. Simon
949-246-5880
[email protected]

07/31/2025

📢 Mortgage Market Update from Mark A. Simon, Sr. Loan Officer

The Federal Reserve has decided to hold the Federal Funds Rate steady at 4.25%–4.5% after the conclusion of its July meeting yesterday. While this move was widely expected, it reflects the Fed’s continued caution in the face of stubborn inflation.

Here’s what it means for you:
🏡 Relief could be on the horizon. Over half of market watchers now anticipate a rate cut in September—which could positively impact mortgage rates before the Fed takes action.
📉 According to CME Group’s FedWatch tool:

Just 3.1% expected a cut in July
A strong 55.9% now expect a .25 bps cut in September
If you're thinking about buying, refinancing, or locking in a rate—let’s talk strategy. The months ahead could open new opportunities.

Mark A. Simon
949-246-5990
[email protected]

07/23/2025

Making Homeownership Dreams a Reality—Even in a Competitive Market!

With nine offers on the table for the home of their dreams, Nicolete and Shane didn’t just need an agent—they needed an advocate. By leveraging strong banking relationships and uncovering the most cost-effective financing options, I’m beyond thrilled we turned their dream into a reality... in under three weeks.

There’s nothing more rewarding than helping amazing clients like these take the keys to their future.

✨ Here’s what they had to say:

“Dear Mark – We want to Thank You so much! We appreciate your expedited manner, ensuring our position on this home, and look forward to working with you in the future. We so appreciate your help with everything! Grateful to work together on this next chapter of our lives!”

Helping people win in today’s market isn’t just about paperwork—it’s about partnership, creativity, and relentless follow-through. If you’re ready to write your own success story, let’s talk. 👊

Mark A. Simon
Sr. Loan Officer, Vice President UAM Co.
949-246-5880
[email protected]

Address

3198-F Airport Loop
Costa Mesa, CA
92626

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm
Saturday	9am - 1pm
Sunday	7am - 6pm

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