Business Details
Your Trusted Mortgage Partner for Hassle-Free Home Loans
Founded by John Moran in Scottsdale, AZ, Simplify Mortgage was established with a clear mission: to revolutionize the mortgage process by making it more accessible, affordable, and transparent. With over two decades of experience in the mortgage industry, our team leverages deep expertise to eliminate unnecessary fees, streamline documentation, and provide personalized guidance. We prioritize client relationships over mass marketing, ensuring every borrower receives tailored support from a dedicated professional. Our commitment to integrity and innovation has earned us a reputation as a trusted partner in home financing, serving clients across Arizona, Oregon, and Colorado. 
Services
Mortgage Loans
Refinancing
Home Purchase Loans
VA Loans
USDA Loans
Conventional Loans
Highlights and features
- We offer no-fee mortgages with minimal paperwork.
- Our team provides personalized service with a single point of contact.
- We specialize exclusively in mortgages and never sell your information.
- Our streamlined process saves you time and money.
- We have over 20 years of experience in the mortgage industry.
Associations and certifications
- NMLS
- Equal Housing Lender
What people say
Amazing experience
Working in our best interest
I can count on him
I felt comfortable
Incredibly helpful
Services
Mortgage Loans
Simplify Mortgage provides customized mortgage solutions for home purchases. Our process eliminates hidden fees and excessive paperwork, ensuring competitive rates and transparent communication. Clients benefit from dedicated support throughout the approval and closing stages, with options tailored to first-time buyers, veterans, and rural property seekers.
Refinancing
Our refinancing services help homeowners reduce monthly payments, adjust loan terms, or access equity. We analyze your current mortgage to identify savings opportunities, offering streamlined documentation and expert guidance. Clients receive personalized rate comparisons and clear timelines for closing.
VA Loans
Designed for eligible veterans and service members, our VA loan program offers zero-down payment options and favorable rates. We simplify the application process, ensuring compliance with VA guidelines while minimizing documentation requirements. Clients receive dedicated support to maximize benefits.
USDA Loans
Simplify Mortgage specializes in USDA loans for rural property buyers. These zero-down payment mortgages include income eligibility checks and property location verification. Our team guides clients through the unique requirements, ensuring a smooth path to approval.
Conventional Loans
For traditional home financing, our conventional loans cater to buyers with strong credit profiles. We offer flexible down payment options starting at 3% and competitive rates. The process emphasizes transparency, with upfront cost estimates and dedicated support.
People
John Moran
Founder
John Moran founded Simplify Mortgage after 20+ years in the mortgage industry. A former real estate agent in New York and Chicago, he relocated to Arizona in 2003 to build a client-focused brokerage. His expertise spans loan origination, refinancing, and market-specific strategies.
Questions
What down payment options are available?
We offer loans starting at 0% down (VA/USDA) or 3% (conventional). Closing costs are minimized, with no origination fees charged by Simplify Mortgage.
Are there hidden fees?
No. We disclose all third-party fees upfront (title, appraisal, taxes). Our margin is included in the rate, with no additional junk fees.
How do you secure competitive rates?
As a broker, we shop over 85 lenders to find the best rate for your profile. Our lower overhead allows us to pass savings directly to clients.
What documents are required?
Most borrowers need W2s, recent pay stubs, bank statements, and a photo ID. Self-employed clients may require additional documentation.
How long does the process take?
Purchases average 13 days for approval, with refinances closing faster. We prioritize timely communication to meet closing deadlines.
What if my credit isn't perfect?
Minimum credit scores start at 580. While higher scores improve terms, we work with clients to explore all viable loan options.
