Loan Simple Wholesale

The simple way to close more deals.

At Loan Simple Wholesale, we have a simple advantage. We’re a broker who started a wholesale channel. And that mindset sets us apart. At our core, we believe there is a way, you just need to be willing to find it.

So, our team works on every deal until we find the best solution. We’ve taken all the complicated, complex, and convoluted stuff about the mortgage industry and given it the simple treatment, so you can get more done with fewer headaches.

Plus Loan Simple pays 150 bps on all our DPA programs. You get to work with the best solutions team in the industry while earning 50 bps more on each DPA deal.

Why Loan Simple?

Closing borrowers with low to no downpayment is a priority, not an afterthought. Our operations team EXCELS in these programs. We do them every day and are VERY good.

Solution based underwriting means more approvals and less conditions. And we’re pretty fast too!

Full product suite, from DPA to Jumbo, and everything in between.

Nearly 30 years in business helping first-time homebuyers.

1250+ 5-Star Reviews

Product Spotlight

TDHCA

100% CLTV FHA DPA
Full Comp

2/1 Buydowns allowed
Up to 1% discount
Not limited to first-time homebuyers
FICO as low as 600
Allows non-occupant co-borrower
Eligible for SFR, Condos, and even single-wide manufactured homes

TSAHC

100% CLTV FHA DPA
Full Comp

Purchase price limits up to $716,340
Income limits up to $184k for targeted areas
Not limited to first-time homebuyers
Can be up to 5% of the loan amount
Can be used for buyer’s agent fees
Eligible for SFR, Condos, and even double-wide manufactured homes

CHFA

100% CLTV FHA DPA
Full Comp

Can be used for buyer’s agent fees
Household income up to $162k
Loan amounts up to $726,200
DPA stacking allowed
DPA funds can be used for buyer’s agent fees
Eligible for SFR, Condos, and even single-wide manufactured homes

CalHFA

100% CLTV FHA DPA
Full Comp

Income limits up to $300,000
50% DTI OK if FICO 700 or higher
DPA stacking allowed
DPA funds can be used for buyer’s agent fees
Credit down to 640/FHA
Matches FHA, VA, USDA, conventional limits, including high balance

AZ Home in 5

100% CLTV FHA DPA
Full Comp

Household income up to $141k
DPA funds up to 6%
No minimum required borrower investment
Not limited to first-time homebuyers
DPA stacking allowed
DPA funds can be used for buyer’s agent fees

Ultimate Elite DPA

100% CLTV FHA DPA
Full Comp

2/1 Buydowns allowed
Up to 1% discount
Not limited to first-time homebuyers
FICO as low as 600
Allows non-occupant co-borrower
Eligible for SFR, Condos, and even single-wide manufactured homes

Jason Doughty
Home Crafted Loans

I love how you all do CHFA deals! I have been avoiding doing CHFA loans because the other lenders made it so much harder than it needed to be. Loan Simple will be seeing more of me.

Alfredo Acevedo
Fiesta Home Loans

Thanks so much for your help on my VERY FIRST loan in the broker world! I know it was a very difficult loan with another DPA on top, I’m actually tearing up right now. I can’t believe the team work. Feels just like retail lending. Appreciate all you guys. More CHFA deals coming your way. Hopefully some easy ones too.

Felipe Bedón
Keystone Mortgage Solutions

We’ve had some crazy files lately and I wanted to send you a quick note saying thank you. Grateful for you and the whole team. On to the next files!

Bridget Pasquinzo
Excel Mortgage Brokers

Thank you so much to everyone for all your quick help to make this happen! Loan Simple rocks, and I will be telling everyone in our office about our fantastic experience. I truly appreciate everyone’s efforts to get us here! Woot woot!