Simple Lending Mortgage

Simple Lending Mortgage Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Simple Lending Mortgage, Mortgage brokers, 211 E Main Street #438, Lakeland, FL.

Independent mortgage broker with the heart of a teacher, the care of a nurse, and the precision of a surgeon, Our mission is to guide you through the mortgage process with compassion, expertise, and meticulous attention to detail.

🏗️ INVESTOR GROUND-UP CONSTRUCTION — FINANCING BUILT FOR THE PROJECT BEFORE THE PROPERTY EVEN EXISTSFor real estate inve...
08/07/2026

🏗️ INVESTOR GROUND-UP CONSTRUCTION — FINANCING BUILT FOR THE PROJECT BEFORE THE PROPERTY EVEN EXISTS

For real estate investors looking to build from the ground up, traditional mortgage financing usually isn’t the answer. Ground-up construction financing is designed specifically for investors developing new properties from vacant land through completion.

A few Investor Ground-Up Construction highlights:

✅ Minimum FICO down to 650
✅ Available in all 50 states
✅ No previous investor experience required
✅ Investment properties only
✅ Loan amounts from $300,000 up to $5 million
✅ Exceptions may be considered below $300,000 and above $5 million, up to $10 million
✅ Up to 10 units
✅ Modular properties allowed
✅ Foreign Nationals and ITIN borrowers welcome
✅ No income qualification
✅ No reserve requirement
✅ No prepayment penalty
✅ Up to 85% LTC
✅ Up to 65% ARV
✅ General contractor must have completed at least 3 builds within the past 5 years
✅ Land generally must be valued at $75,000 or more, with exceptions potentially available

One of the strongest features of this program is that the investor doesn’t necessarily need prior construction experience. The experience requirement can instead be satisfied through a qualified general contractor with a demonstrated building history.

That can open the door for investors who have identified land, understand the market, and have a solid project — but haven’t personally completed a ground-up build before.

👇 Check out our Investor Ground-Up Construction Matrix for a quick overview of the program.

Have land already? Working with a builder? Or analyzing a development opportunity? Send us the land value, construction budget, projected completed value, and property type, and we can help review the deal.

📞 800-484-9355
🌐 SimpleLendingMortgage.com
📧 [[email protected]]

Simple Lending Mortgage LLC | NMLS 1919981
Licensed in Florida & Georgia

Business-purpose financing. Credit, leverage, land value, construction budget, contractor experience, valuation, property eligibility and other guidelines are subject to approval and may vary by program. Information is for educational purposes only and is not a commitment to lend.

🔨 FIX & FLIP LOANS — FINANCING BUILT FOR INVESTORS WHO SEE THE POTENTIALA property that needs work can be more than a pr...
08/07/2026

🔨 FIX & FLIP LOANS — FINANCING BUILT FOR INVESTORS WHO SEE THE POTENTIAL

A property that needs work can be more than a problem — it can be an opportunity. Fix & Flip financing is designed for real estate investors purchasing or refinancing properties they plan to renovate and resell.

A few Fix & Flip highlights:

✅ Rates starting in the 9’s
✅ $100,000 minimum loan amount
✅ Up to $5 million
✅ Minimum 620 FICO
✅ Up to 90% LTC/AIV
✅ Up to 75% LTARV
✅ 12–24 month terms
✅ Interest-only payments
✅ Purchase and refinance available
✅ No prepayment penalty
✅ Reimbursement draw process for renovation funds
✅ Eligible properties may include SFRs, condos, 2–4 units, and 5+ unit multifamily CAPEX projects
✅ No previous experience required for cosmetic rehab projects

The big advantage is leverage. Instead of tying up all of your own capital in the purchase and renovations, fix-and-flip financing may help you acquire the property, complete the work, and preserve more cash for the next opportunity.

👇 Check out our Fix & Flip Loan Matrix for a quick overview of the program.

Have a property under contract or a deal you’re analyzing? Send us the purchase price, rehab budget, and estimated after-repair value, and we can help review the scenario.

📞 800-484-9355
🌐 SimpleLendingMortgage.com
📧 [[email protected]]

Simple Lending Mortgage LLC | NMLS 1919981
Licensed in Florida & Georgia

Business-purpose financing. Rates, leverage, credit, rehab scope, property eligibility, valuation, experience requirements and other guidelines are subject to approval and may vary by program. Information is for educational purposes only and is not a commitment to lend.

🇺🇸🛠️ VA RENOVATION LOANS — BUY THE HOME AND FINANCE THE IMPROVEMENTSFor eligible Veterans and servicemembers, a VA Renov...
08/07/2026

🇺🇸🛠️ VA RENOVATION LOANS — BUY THE HOME AND FINANCE THE IMPROVEMENTS

For eligible Veterans and servicemembers, a VA Renovation Loan can make it possible to purchase a home that needs work and finance eligible improvements into the same mortgage.

A few VA Renovation highlights:

✅ Purchase + renovation financing in one loan
✅ Available for eligible VA borrowers
✅ May offer little to no down payment, depending on entitlement and qualification
✅ No monthly mortgage insurance
✅ Can be used for eligible repairs, updates, and improvements
✅ Renovation funds are handled through an approved draw process
✅ Helps buyers consider homes that may not be move-in ready
✅ Can reduce the need to pay for improvements out of pocket after closing
✅ Eligible repairs may include kitchens, bathrooms, flooring, roofing, HVAC, plumbing, electrical, accessibility improvements, and more

One of the biggest advantages of VA renovation financing is that eligible Veterans don’t necessarily have to limit their search to fully updated homes.

That outdated property with the right location, layout, or lot may still be worth considering when the improvements can be built into the financing.

Instead of asking:

“Is this house perfect today?”

The better question may be:

👉 “What could this house become after renovation?”

Check out our VA Renovation Loan flyer for a quick overview of how the program works.

Have a home in mind that needs repairs or updating? Send us the listing and the improvements you’re considering, and we can help determine whether VA renovation financing may fit the scenario.

📞 800-484-9355
🌐 SimpleLendingMortgage.com
📧 [[email protected]]

Simple Lending Mortgage LLC | NMLS 1919981
Licensed in Florida & Georgia

VA renovation financing is subject to VA eligibility and entitlement, borrower qualification, property eligibility, appraisal, contractor approval, renovation scope, draw requirements and lender guidelines. Information is for educational purposes only and is not a commitment to lend.

🛠️ FHA 203(k) RENOVATION LOANS — BUY THE HOME AND FINANCE THE IMPROVEMENTSFound a home with potential, but it needs work...
08/07/2026

🛠️ FHA 203(k) RENOVATION LOANS — BUY THE HOME AND FINANCE THE IMPROVEMENTS

Found a home with potential, but it needs work? An FHA 203(k) loan can allow eligible buyers to finance both the purchase of the property and qualified renovation costs into one mortgage.

A few FHA 203(k) highlights:

✅ Purchase + renovation financing in one loan
✅ Available for eligible owner-occupied properties
✅ Can be used for repairs, updates, and improvements after closing
✅ May help buyers consider homes that need more than just cosmetic work
✅ Financing is based on the home and eligible renovation project
✅ FHA credit and down-payment guidelines apply
✅ Renovation funds are managed through an approved draw process
✅ Can be an alternative to paying for improvements out of pocket after closing
✅ Certain repairs may include kitchens, bathrooms, flooring, roofing, HVAC, plumbing, electrical, accessibility improvements, and more

One of the biggest advantages of an FHA 203(k) loan is that buyers don’t necessarily have to find the “perfect” finished house. A property that needs updating may become an opportunity when the renovation costs can be incorporated into the financing.

Think outdated kitchen. Old flooring. Roof repairs. HVAC. Bathrooms. Deferred maintenance. Instead of walking away from the house, the question becomes:

👉 What could this home become after renovation?

Check out our FHA 203(k) Renovation Loan flyer for a quick overview of how the program can help.

Have a property that needs work? Send us the listing and the renovations you’re considering, and we can help determine whether a renovation loan may fit the scenario.

📞 800-484-9355
🌐 SimpleLendingMortgage.com
📧 [[email protected]]

Simple Lending Mortgage LLC | NMLS 1919981
Licensed in Florida & Georgia

FHA 203(k) financing is subject to FHA requirements, borrower qualification, property eligibility, contractor documentation, appraisal, renovation scope, draw requirements and lender guidelines. Information is for educational purposes only and is not a commitment to lend.

🚫📊 NO DTI RATIO LOANS — NO INCOME OR EMPLOYMENT QUALIFICATIONFor borrowers with strong assets or unique financial profil...
08/07/2026

🚫📊 NO DTI RATIO LOANS — NO INCOME OR EMPLOYMENT QUALIFICATION

For borrowers with strong assets or unique financial profiles, qualifying for a mortgage doesn’t always have to revolve around traditional income documentation or debt-to-income ratios.

A few No DTI Ratio highlights:

✅ No income qualification
✅ No employment qualification
✅ No traditional DTI calculation
✅ Loan amounts from $100,000 up to $2 million
✅ Financing options may be available with FICO scores starting around 660
✅ Purchase and rate/term refinance available
✅ Primary residences and second homes eligible
✅ Eligible properties may include SFRs, condos, townhomes, PUDs, 2–4 units, modular homes, rural properties, mixed-use and log homes
✅ Gift funds may be available for down payment and cash to close
✅ Acreage may be allowed up to 20 acres
✅ U.S. Citizens, Permanent Residents and eligible Non-Permanent Residents may qualify

This can be an especially interesting option for borrowers who have the financial strength to purchase a home but whose income doesn’t fit neatly inside the traditional mortgage box.

Self-employed? Retired? Living from assets? Between careers? Have complicated income that is difficult to document?

👇 Check out our No DTI Ratio Loan Matrix for a quick look at some of the available guidelines.

Have an unusual borrower scenario? Send it our way. Sometimes the solution isn’t proving more income — it’s finding the right loan program.

📞 800-484-9355
🌐 SimpleLendingMortgage.com
📧 [[email protected]]

Simple Lending Mortgage LLC | NMLS 1919981
Licensed in Florida & Georgia

Program availability, credit, assets, reserves, occupancy, property eligibility and other underwriting requirements apply. This is a non-agency mortgage program and guidelines may vary. Information is for educational purposes only and is not a commitment to lend.

🏗️ ONE-TIME CLOSE CONSTRUCTION LOANS — BUILD YOUR HOME WITH ONE LOAN, ONE CLOSINGBuilding a home doesn’t have to mean ju...
08/07/2026

🏗️ ONE-TIME CLOSE CONSTRUCTION LOANS — BUILD YOUR HOME WITH ONE LOAN, ONE CLOSING

Building a home doesn’t have to mean juggling a construction loan today and a second mortgage closing later. A One-Time Close Construction Loan can combine the land, construction, and permanent mortgage financing into one transaction.

A few highlights:

✅ Available for Conventional and VA financing
✅ One closing instead of separate construction and permanent loan closings
✅ Financing is established before construction begins
✅ Can be used to build a new primary residence
✅ Land purchase and construction costs may be included in the financing
✅ If you already own the lot, eligible land equity may be applied toward the transaction
✅ VA-eligible borrowers may have options with little to no down payment, depending on entitlement and qualification
✅ Conventional options may be available with low down payment requirements
✅ Fixed permanent financing means you know the long-term mortgage structure before construction begins
✅ Builder approval and construction documentation are required

One of the biggest advantages? You can secure the financing for the entire project upfront — before the builder breaks ground — instead of building first and hoping permanent financing works out later.

And unlike buying a completed new-construction home at retail pricing, building from the ground up may create an opportunity to capture equity depending on the cost to build and the completed appraised value.

👇 Check out our One-Time Close Construction Loan Matrix for a quick overview of the Conventional and VA options.

Have land already? Found a builder? Or simply thinking about building instead of buying? Send us the scenario and we can help you explore the numbers.

📞 800-484-9355
🌐 SimpleLendingMortgage.com
📧 [[email protected]]

Simple Lending Mortgage LLC | NMLS 1919981
Licensed in Florida & Georgia

Construction financing is subject to borrower qualification, builder approval, appraisal, construction budget, property eligibility, program guidelines and other requirements. VA $0-down eligibility depends on entitlement and loan qualification. Information is for educational purposes only and is not a commitment to lend.

🏠 DSCR LOANS — FINANCING BASED ON THE PROPERTY’S CASH FLOWFor real estate investors, qualifying doesn’t always have to d...
08/07/2026

🏠 DSCR LOANS — FINANCING BASED ON THE PROPERTY’S CASH FLOW

For real estate investors, qualifying doesn’t always have to depend on personal income or tax returns. A DSCR loan focuses primarily on the rental income generated by the property compared to its housing expense.

A few DSCR highlights:

✅ Rates starting in the 6’s
✅ $100,000 minimum loan amount
✅ Up to $3.5 million
✅ Minimum FICO down to 550
✅ Uses the highest middle FICO between borrowers
✅ No personal income qualification
✅ Short-term rentals allowed
✅ Fixed-rate and interest-only options
✅ Purchase and refinance available
✅ No previous landlord experience required
✅ First-time home buyers may be eligible
✅ Rural properties up to 25 acres
✅ ADUs allowed
✅ Eligible properties may include SFRs, condos, 2–4 units, mixed-use properties, and 5+ unit multifamily
✅ Blanket portfolio loans available for up to 25 properties

One of the biggest advantages of DSCR financing is simplicity for investors: the property’s rental performance can be the key factor in qualifying, rather than traditional employment or tax-return income.

👇 Check out our DSCR Loan Matrix for a quick overview of the program.

Have an investment property you’re looking to purchase, refinance, or add to a portfolio? Send us the scenario and we can help review the deal.

📞 800-484-9355
🌐 SimpleLendingMortgage.com
📧 [[email protected]]

Simple Lending Mortgage LLC | NMLS 1919981
Licensed in Florida & Georgia

Business-purpose financing. Rates, DSCR requirements, credit, leverage, property eligibility, reserves and other guidelines are subject to approval and may vary by program. Information is for educational purposes only and is not a commitment to lend.

🌉 BRIDGE LOANS — SHORT-TERM FINANCING BUILT FOR SPEED & FLEXIBILITYSometimes the deal makes sense, but traditional finan...
08/07/2026

🌉 BRIDGE LOANS — SHORT-TERM FINANCING BUILT FOR SPEED & FLEXIBILITY

Sometimes the deal makes sense, but traditional financing doesn’t move fast enough. Bridge loans can provide short-term capital for investors who need to purchase, refinance, stabilize, or reposition a property.

A few Bridge Loan highlights:

✅ Rates starting in the 9’s
✅ $100,000 minimum loan amount
✅ Up to $4 million
✅ Minimum 600 FICO
✅ Up to 82.5% LTV
✅ 6–24 month terms
✅ Interest-only payments
✅ Purchase and refinance options
✅ No prepayment penalty
✅ No previous experience required
✅ Eligible properties may include SFRs, condos, 2–4 units, and 5+ unit multifamily

Bridge financing is designed for situations where flexibility, speed, and short-term leverage matter more than a traditional 30-year loan structure.

👇 Check out our Bridge Loan Matrix for a quick overview of the program.

Have a property or scenario you’re trying to move quickly on? Send it our way and we can help determine whether bridge financing fits the deal.

📞 800-484-9355
🌐 SimpleLendingMortgage.com
📧 [[email protected]]

Simple Lending Mortgage LLC | NMLS 1919981
Licensed in Florida & Georgia

Business-purpose financing. Rates, leverage, loan amount, credit, property eligibility, experience requirements and other guidelines are subject to change and approval. Information is for educational purposes only and is not a commitment to lend.

🏦 BANK STATEMENT LOANS — A DIFFERENT WAY TO DOCUMENT INCOMEFor self-employed borrowers, tax returns don’t always tell th...
08/07/2026

🏦 BANK STATEMENT LOANS — A DIFFERENT WAY TO DOCUMENT INCOME

For self-employed borrowers, tax returns don’t always tell the full story. A Bank Statement Loan may allow qualifying income to be calculated using actual deposits flowing through personal or business bank accounts instead.

A few highlights:

✅ 12 or 24 months of personal or business bank statements
✅ No tax returns required
✅ Income calculated using eligible bank statement deposits
✅ As little as 10% down with a 720+ FICO
✅ Financing may be available down to a 620 FICO with 20% down
✅ No monthly mortgage insurance
✅ Default 50% business expense ratio
✅ Expense ratio may be reduced as low as 15% without a CPA letter, subject to program guidelines
✅ Designed for self-employed borrowers whose true cash flow may not be reflected by traditional tax-return income

One of the biggest advantages of bank statement financing is that it looks at how your business actually operates instead of relying only on taxable income after deductions.

👇 Check out our Bank Statement Loan Matrix for a quick overview of the program.

Self-employed and wondering whether your deposits could support the home price you’re looking for? Send us your scenario and we can help review the numbers.

📞 800-484-9355
🌐 SimpleLendingMortgage.com
📧 [[email protected]]

Simple Lending Mortgage LLC | NMLS 1919981
Licensed in Florida & Georgia

Non-QM program. Guidelines, credit, income calculation, expense factors, reserves, property eligibility and other requirements apply. Information is for educational purposes only and is not a commitment to lend.

🌾 USDA LOANS — $0 DOWN MAY BE POSSIBLE FOR ELIGIBLE BUYERSUSDA financing can be a powerful option for buyers looking to ...
08/07/2026

🌾 USDA LOANS — $0 DOWN MAY BE POSSIBLE FOR ELIGIBLE BUYERS

USDA financing can be a powerful option for buyers looking to purchase an eligible primary residence in a qualifying rural area — and “rural” can include more areas than many people realize.

A few USDA highlights:

✅ $0 down payment may be available for eligible borrowers
✅ Competitive government-backed financing
✅ Household income limits apply
✅ Closing costs may be financed in certain situations, subject to appraisal and program limits
✅ Debt-to-income ratios may allow flexibility with GUS approval
✅ Seller contributions may be available toward allowable closing costs
✅ Available for eligible owner-occupied properties
✅ Certain condos and manufactured homes may qualify
✅ Prior bankruptcy does not automatically eliminate USDA financing once required seasoning is met

One important difference with USDA: eligibility is based on both the property location and household income. That means the first step is often simply checking the address and the household’s qualifying income.

👇 Check out our USDA Loan Matrix for a quick overview of some of the key guidelines.

Not sure whether the home you’re looking at is USDA eligible? Send us the address and your scenario, and we can help you take a closer look.

📞 800-484-9355
🌐 SimpleLendingMortgage.com
📧 [[email protected]]

Simple Lending Mortgage LLC | NMLS 1919981
Licensed in Florida & Georgia

USDA property eligibility, household income limits, credit approval, GUS findings, and program requirements apply. Information is for educational purposes only and is not a commitment to lend.

Address

211 E Main Street #438
Lakeland, FL
33801

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18004849355

Website

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