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20 years of making home a reality


Making a difference one loan at a time


Increasing mortgage literacy


Whether you are a first time homebuyer or an experienced homeowner – we can help!


Mortgage refinancing may lower your monthly payments, which may add up to significant savings.


Getting Pre-Qualified for a loan starts here.  With our secure online mortgage application.

The Team
The Team

Our dedicated team of mortgage experts are here to help.
Get to know us!

Client Testimonials

I have been greatly satisfied and happy with their work process and ways. Their process is transparent and you are made acquainted about the status of your mortgage at each step. It's easy, it's fast, it's totally reliable.

Frank Coleman
Rating: 5

Mortgage process made so easy here. I was given each and every information about the tedious process of mortgage and was made sure that I understood it all well and chose my type of mortgage with full knowledge. Houston and people like in his team are hard to find in…Read More

James Smith
Rating: 4

Not satisfied. Their team hadn't been as enthusiastic as they had been in the beginning and they slowly lost track of my whole process altogether. I think they need to work on themselves first before working for others.

Fidel Martin
Rating: 2

I wish I knew about Houston and his team before I invested my faith and trust in another fake company. Though Loan Simple Inc. did everything that has brought my trust back in the mortgage process and I have been working with them for a course of more than 5…Read More

Joe Shestak
Rating: 4

Where money is involved, it's but obvious that you can get stressed out and skeptical; Specially after having an extremely bad loan process when I had my first property. Finding for some reliable company I came across with Loan Simple Inc. and I have been lucky and blessed at the…Read More

Rating: 4

Houston had been a great guide and help while explaining me and making me acquainted with the complete process of mortgage. I wasn't properly aware about it at first until I collaborated with him and his team and as they say, the rest is history. He and his team didn't…Read More

Rating: 5

My loan process was smooth. I was given a proper backup of all the step by step process of the mortgage. It was quick too and my loan was funded in a short amount of time.

Rating: 5

Loan Simple Inc. have been like a blessing for me. They did all the work and I had a very easy and comfortable process of the mortgage throughout. Specially the way they dealt with the FHA process, they have been nothing less than a divine guiding light. I was truly…Read More

Rating: 4

Its been my fourth mortgage straight with their team and I have never been dissapointed with their service.

Rating: 4

Totally great working with Loan Simple Inc and the team. I was recommended here by my Realtor and I shall extend my thanks to him too for providing me such a great company.

Jacob Johnson
Rating: 5

My first time with Houston and his team and the overall experience was great. They know how to make it up to their customers.

Rating: 4

I had been really tensed about getting a mortgage for my first home and had been on the verge of almost dropping the idea about it. Thankfully I was saved since I came across Loan Simple Inc. at the last moment. I was taken aback by how helpful Houston had…Read More

Walter Hucko
Rating: 5

Houston feels more like a friend who helps you in need and that is what you need when you are in the midst of such complicated loan process. Thanks to him for easing out my process.

Dave Smith
Rating: 4

Okay-ish experience. Could have been better. They had a scope for more. Just need to be more user friendly with their clients.

Alexis Williams
Rating: 5

Refinancing, mortgage, or any other term- Loan Simple Inc. knows how to handle it all like a boss. Strongly recommended!

Rating: 4

This is the third time I am working for a mortgage with Houston and hos team and it has been as great as it has been the first time. Great job each time.

Odilian Gosselin
Rating: 5

I'd been really skeptical about all the mortgage process since i had not heard very good things about about it thanks to Loan Simple Inc., they have kept my faith in tact and I am surely going to recommend it to others.

Jules Boutin
Rating: 5

I would give them a 5 on 5 for the way they handled my case. Houston and his team are one of the best professionals that I have worked it and they shall go to any and every extent to provide you the best possible mortgage experience.

Arezio Aurechio
Rating: 5

Houston is a great guy and is well aware in the work he does. Once you work with him, you don't need to worry about or get reference regarding anything from anyone.

Sylvester Balchunas
Rating: 5

Strongly recommended to anyone looking for a friendly and reliable mortgage experience. Couldn't had asked for a better team. Cheers to Loan Simple Inc.!

Pedro Araez
Rating: 5


On every loan closed we at Loan Simple in San Jose, CA makes donations to charities that we know are dedicated to building a better world. We’ve learned that real change occurs with a little effort every day. That’s why for over two decades we’ve been committed to making a difference one loan at a time. Take a look below at the organizations were supporting on their missions to making a positive impact in our world.


Welcome to Loan Simple

At Loan Simple we know a home is much more than a couple of walls and a roof. Home is a family, slumber parties and your own comfy couch. It’s a place you find support, love and a sanctuary from our crazy day to day. I would love the opportunity to make home a reality for you.


Loan Simple Loan Options

Fixed Rate Mortgage

If you plan to stay in your home for the long term, sleep tight knowing you will have the stability of a consistent payment that never changes.

VA Home Loan

Are you are a veteran, member of the military or military spouse? You may qualify for a VA loan.

FHA Home Loan

An FHA loan provides a government-insured loan with flexible loan options. Less strict credit requirements and qualifications.

Jumbo Homes Loans

When a loan amount reaches a certain point, Jumbo and Super Jumbo Loans can offer high-end financing that a traditional loan can’t.

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