Dallas Skyline Reflection on Trinity River During Sunset, Dallas

Home Loan experience designed for you

thin vertical line

Fast Mortgage


Apply Now

Mortgage Calculator

You're one of a kind.

Your mortgage should be also.

Start an application to see what's possible.


We offer personalized solutions tailored to your unique needs, providing exceptional service, expert advice, and a smooth homebuying process from start to finish.

“I will make your mortgage experience as easy as possible! I will personally take your loan application to ensure we have everything needed to qualify you with the very best loan & rate available. And I promise to thoroughly explain everything to you along the way!” #JeffSimpsonKnowsLoans #YourLocalLenderForLife

VA Loan Specialist

Reverse Mortgage Certified

First Time Homebuyer Specialist

Interest rate and payments remain the same for the entire term of the loan.

Fixed Rate Mortgage

Explore options that may make you a home owner with a low down payment.

Low Down Payment


Roll the costs of the renovation into your loan.

ARM's offer an initial fixed-rate period, periodic adjustments based on market conditions and rate adjustment caps to protect against extreme market fluctuations.

Adjustable Rate Mortgage

Interest rate and payments remain the same for the entire term of the loan.


Mortgage loan programs for vacation and investment properties.

Investment Property

An FHA loan provides a government-insured loan with flexible loan options.


Jumbo loans offer maximum flexibility for home financing for larger loans.



Mortgage refinancing may lower your monthly payments.

VA Loans offer flexible options as either fixed-rate or ARM mortgages.


Popular loan programs for first time home buyers.

First Time Home Buyer

Interested in How Much You

Could Qualify For?

Lock in your rate early in a highly volatile market

Start Building Equity and Wealth

Enjoy the pride and freedom of owning a home

Save money for home,Buy a house
Equity Financing Line Icon
House Glyph Icon

Apply Now

Mortgage calculator. House, noney and document.

Frequently Asked Questions

What is a mortgage?

A mortgage is a type of loan used for real estate transactions, allowing individuals to buy or refinance a property. It is a legal agreement between the borrower and the lender, typically a bank or mortgage company. The property being purchased or refinanced serves as collateral for the loan, which means that if the borrower fails to make the required mortgage payments, the lender may have the right to take ownership of the property through a process known as foreclosure. Mortgages generally involve regular payments, consisting of both principal (the loan amount) and interest, spread over a specified term, usually ranging from 15 to 30 years.

How does the loan process work?

The loan process involves several steps. First, the borrower completes a loan application, providing information about their financial situation. The lender then evaluates the application, assessing factors such as creditworthiness, income, and debt-to-income ratio. If approved, the lender issues a loan estimate outlining the terms and costs. Next, the borrower submits required documentation and proceeds with the loan underwriting process. Once all conditions are met, the loan moves to closing, where the borrower signs the necessary paperwork and finalizes the loan. After closing, the borrower begins making regular mortgage payments as outlined in the loan agreement.

What factors determine interest rates?

Mortgage interest rates are influenced by various factors, including economic conditions, inflation, the borrower's credit score, loan-to-value ratio, loan term, and the overall demand for mortgages. Factors such as the Federal Reserve's monetary policy, market forces, and the health of the housing market also play a role in determining mortgage interest rates. Lenders evaluate these factors to determine the level of risk associated with lending and set interest rates accordingly.

What is the difference between a fixed and adjustable rate mortgage?

A fixed-rate mortgage has an interest rate that remains constant throughout the loan term, providing borrowers with predictable monthly payments. On the other hand, an adjustable-rate mortgage (ARM) has an interest rate that can change periodically, typically after an initial fixed-rate period. This means that the monthly payments for an ARM can fluctuate over time, depending on changes in market interest rates. The choice between a fixed-rate and adjustable-rate mortgage depends on individual preferences, risk tolerance, and expectations for future interest rate movements.

How much down payment do I need to buy a home?

The down payment required to buy a home can vary depending on various factors, including the type of mortgage, the purchase price of the property, and the lender's requirements. Generally, down payments typically range from 3% to 20% of the home's purchase price. Some loan programs, such as FHA loans, offer lower down payment options, sometimes as low as 3.5%, while conventional loans often require a down payment of at least 5% to 20%. It's advisable to check with lenders and explore available loan programs to determine the specific down payment requirement for your desired home purchase.

Meet the team

Jeff Simpson

Mortgage Lender

NMLS #2065086

(918) 361-0529


3604 Preston Rd. #300 Plano, Tx 75093

Brittany Blount

Production Partner

(469) 613-1908


3604 Preston Rd. #300 Plano, Tx 75093

Angie Simpson

Social Media/Marketing

(972) 658-8292


3604 Preston Rd. #300 Plano, Tx 75093

Jeff Simpson NMLS #2065086 Benchmark © 2023 Ark-La-Tex Financial Services, LLC, NMLS #2143

For licensing information visit nmlsconsumeraccess.org. Equal Housing Lender.