Zach Simpson - Home Lending - NMLS# 2050399

11/21/2023

🦃🏡 It’s Turkey Time... to talk turkey about home buying! Here's a helping of home-buying tips to chew on:

1. Market Cool Down: Fall, especially around Thanksgiving, often sees a cool down in the market. It’s a great time to hunt for homes as sellers are motivated!

2. Seasonal Sales: Black Friday isn’t just for electronics! Appliances and home goods are often on sale—perfect for furnishing your new nest.

Remember, the early bird gets the worm, but the patient bird might just get a better deal! 🍂 Feeling gravy about home buying or still feeling a bit mashed? Give me a shout; let's make your journey to homeownership a piece of pumpkin pie! 🥧 SoFi's here to make home buying a breeze!

11/20/2023

Ever wish house hunting came with a bit of a buffer? 🤔 With SoFi's Lock and Look* program, it does! Secure today’s competitive rate and then you have up to 60 days to provide an executed purchase contract. It gives you some added peace of mind while on the hunt for your dream home. And once you've got that in place? Another 30 days of that locked-in rate to finalize things! That means you can focus more on gathering your docs, catching up on football, and planning those holiday gatherings—all without fretting over fluctuating rates. 🎉🏈🍂 Curious? Reach out anytime!

11/17/2023

Military vets and service members, you could win the VA Home Mortgage Sweepstakes. Top prize: rent or mortgage payments for a year on us, up to $50K!* Second prize winners get $5,000. Enter by 12/31/23 at
www.SoFi.com/winVA

11/14/2023

As autumn paints the trees with splendid colors, it’s a harmonious time to review your mortgage. A periodic check-in ensures that you are well-positioned for upcoming expenses and future plans. Whether it’s home improvements or festive expenditures, I’m here as your lifetime Loan Officer to assist you in navigating your mortgage landscape.

08/09/2023

What do you call a company that’s grown by more than 44% YoY, helping more than 6.2 million people get their money right along the way? calls it a World’s Top Fintech Company and we’re inclined to agree!

Read more here:

From across the globe, spanning a diverse range of applications in finance — these are the world's top fintech companies.

08/08/2023

Want to learn how to live a richer life and use money to live your best life? Check out ’s new original series Richer Lives, hosted by and :

Vivian Tu (aka Your Rich BFF) and Brian Walsh (aka Dr. Money) introduce Richer Lives. Vivian tells us about her most extravagant purchase, when she felt like...

03/17/2023

Looking to save big on your mortgage? 💰🏠

Consider using discount points as a way to lower your interest rate and keep more money in your pocket. Here are two tips to help you make the most out of discount points:

1. Understand what discount points are and how they work - Let's say you're taking out a $250,000 mortgage with a 30-year fixed term. With a FICO score of 700, a DTI of 30%, an LTV of 90%, and a down payment of 10%, you may be offered an APR of 6%. By paying 1 discount point (equal to 1% of your loan amount) upfront, you could potentially lower your interest rate to 5.75%. This could save you $14,379 over the life of your mortgage.

Disclaimer: The assumptions used in this example are for illustrative purposes only and may not reflect your specific financial situation. To get personalized advice, please consult with a financial professional.

2. Calculate if discount points will save you money in the long run. Not planning to move in the next 5 to 10 years? Then paying points may be beneficial for you.

Have more questions about discount points or need help navigating to find a cost-effective mortgage? We're here to help! Reach out to me today. 💬💸

03/16/2023

Make a splash this summer with a new swimming pool in your backyard! If you're considering financing options, here are 3 ways to do it:

1. Home equity loan: This option allows you to borrow against the equity in your home, typically at a fixed interest rate. You can use the funds to pay for your pool in full, and then make monthly payments until it's paid off.
2. Cash-out refinance: With this option, you'll refinance your existing mortgage for more than you currently owe and receive the difference in cash. You can use the funds to pay for your pool and then make monthly mortgage payments, often at a lower interest rate than other financing options.
3. HELOC: A Home Equity Line of Credit works like a credit card, allowing you to borrow against the equity in your home as needed, but only paying interest on what you borrow. You can use a HELOC to pay for your pool and make monthly payments to pay it off over time.

It's important to note that adding a pool comes with annual maintenance costs, so make sure you budget accordingly.

03/15/2023

Upgrade your outdoor living game with these top landscaping trends for 2022. Studies show that spending time in nature can reduce stress and improve well-being, so why not make your yard the ultimate oasis with these tips:

1. Incorporate native plants, rock formations, and water features to create a natural haven.
2. Make a statement with bold and colorful plants that add personality and visual interest to your yard.
3. Create a cozy and inviting outdoor living area with comfortable seating, fire pits, and outdoor lighting.
4. Enhance your outdoor experience with smart irrigation systems and outdoor entertainment systems.
According to a recent survey, over 80% of millennials prioritize outdoor spaces when choosing a home, so take your yard to the next level with these top landscaping trends for 2022.

03/09/2023

Did you know that owning property is one of the most effective ways to build generational wealth for your family? 💰🏡

Here are a few reasons why:

1. Stable long-term investment: Property ownership can provide a stable long-term investment that can appreciate in value over time, making it a smart financial decision for building generational wealth.

2. Passive income: Rental income from investment properties can create a steady stream of passive income, which can help secure your family's financial future.

3. Legacy-building: Owning property allows you to leave a tangible asset behind for future generations, helping to create a lasting legacy for your family.
According to a recent study by the Federal Reserve, the median net worth of homeowners is $255,000, compared to just $6,000 for renters. By investing in property, you can create a strong foundation for your family's financial success.

Ready to start building generational wealth through property ownership? Let's connect! As a mortgage professional, I'm here to help you navigate the process and find the right solution for your needs. 🤝💭