Ivan Simental, NMLS # 1762746

Ivan Simental, NMLS # 1762746 Ivan Simental is passionate about closing, education, and helping YOU reach your home ownership goals.
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10/06/2025

Everyone says, “I’ll wait for prices to drop.” But here’s the truth — waiting doesn’t save you money.

That $400,000 home in 2019? Two years later, it was worth $523,000. And even with lower rates, monthly payments went up. The market doesn’t pause while you wait. It keeps moving.

10/03/2025

Everyone’s waiting on the Fed like they hold the magic key to lower mortgage rates. The truth? Inflation, tariffs, and market pressure drive rates more than a sound bite ever will.

If you’re still sitting in the high sixes or sevens, locking in savings now could be the smartest financial move you make all year. Worst case, you get clarity. Best case, you save thousands.

10/02/2025

Most people don’t realize how much income it actually takes to qualify for a home. Lenders will approve you for more than you might think… but that doesn’t mean you should max out.

Want to know your real safe number? Let’s figure it out before you end up house poor.

10/01/2025

Everyone says buying a house was “harder back in the day.” But when you run the numbers, the truth is shocking.

Home prices have skyrocketed compared to income, and that gap is getting wider every year. If you’re serious about buying, the next few years will be critical.

09/30/2025

Most people don’t realize the true value of a stay at home parent. If you added up everything they do — cooking, cleaning, childcare, and more — their worth would shock you. And if they’re also building businesses on top of that, you can’t even put a number on it.

Shoutout to the stay at home parents holding it down and doing the work most people could never handle.

09/29/2025

Making more money doesn’t always fix money problems. Even high earners are living paycheck to paycheck because income alone isn’t the solution.

The real difference comes from habits, discipline, and what you do with the money you already make. If you’re ready to break out of the cycle and start building wealth, it starts with a mindset shift.

09/26/2025

Refinancing isn’t about starting over. It’s about locking in wins as rates move. The key is knowing when the math makes sense for your specific situation.

Too many people wait for the “perfect rate” and miss out on thousands in savings along the way. Don’t let that be you.

If you want me to run your real numbers, reach out today.

09/24/2025

There are loans out there that almost sound too good to be true — and most people will never hear about them.

If you’re self-employed, have an ITIN, or are DACA, there are programs that can help you buy a home with fewer roadblocks than you think.

This is why it pays to know your options. The right strategy can make homeownership possible when you least expect it.

09/03/2025

Think you need six figures to buy a $400,000 home in Las Vegas? Not exactly.

I break down the real numbers behind the monthly payment and the income required to qualify with both conventional and FHA loans. You might be closer to owning than you think.

Clear numbers. Real strategy. No fluff.

09/02/2025

Most people think negotiating a lower price is the smartest move when buying a home. The truth? It’s not always the best way to save money.

The structure of the deal matters more than the sticker price. A well-negotiated seller credit can create instant savings, while a price cut might take years to feel.

If you want the best outcome, focus on the strategy, not just the number.

08/28/2025

The biggest regrets first-time buyers share have nothing to do with interest rates.

They’re about lifestyle, planning, and being ready for what comes after closing.

If you want to avoid the same mistakes, make sure you look beyond the payment and plan for the full picture of homeownership.

08/27/2025

Think the lowest mortgage rate always saves you the most money? Not always.

When you compare upfront costs, monthly savings, and break-even timelines, you might find that the “cheaper” rate actually costs more than keeping a slightly higher one.

Sometimes the smarter play is keeping your money liquid and using it where it matters most.

Address

10655 Park Run Drive , Suite 190
Spring Valley, NV
89144

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Ivan Simental | Loan Consultant

CA LIC # CA-DBO1762746 / NV LIC # 63829

My education and professional experience have helped me to develop an analytical mind and creative problem-solving abilities. I have proven skills in management, sales, marketing, and I focus on being an excellent communicator and motivator with outstanding verbal and written communication skills. I believe that consistency is key which is why I pride myself on giving 110% of my focus and dedication to clientele even when under pressure and with a tight deadline Helping homeowners close is one of my favorite pieces of the process. Whether buying a new home for the family or refinancing to save money, I am always thrilled to see the smiles of my customers at the closing table. With today’s market, there are a variety of ways in which to qualify for a new home loan, and the information hasn’t reached potential homebuyers. I am here to ensure the client is the focus, answer questions they may have and get them the facts. My direct cell number is tel: 562-481-8821 and my e-mail is [email protected]. If you need to call me on evenings or weekends, no problem. I will do my best to answer your call at any time of the week to help you get what’s needed. loanDepot offers home purchase, refinance loans and home equity products nationwide. Our mission is to be your lender of choice by operating on sound principles of exceptional value, ethics and transparency. Licensed in all 50 states, loanDepot employs more than 6,500 people, and operates more than 180 lending stores nationwide. loanDepot, LLC, NMLS #174457.

loanDepot.com, LLC, 26642 Towne Centre Drive, Foothill Ranch, CA 92610. All rights reserved. NMLS #174457 (www.nmlsconsumeraccess.org). For more licensing information, please visit www.loanDepot.com/licensing.

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