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Simplist Mortgage Review

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Katy Ward
Katy Ward
Apr. 21, 20224 min read

Simplist summary

Simplist connects borrowers with mortgage lenders for both purchase and refinance loans. Having access to more than 50,000 mortgage deals, the company specializes in conventional fixed- and adjustable-rate products, as well as VA and FHA loans. If you’re in the early stages of buying a home, you could be pre-approved in as little as 5 minutes.


  • Pre-approval in 5 minutes
  • No application or processing fee
  • 1-on-1 professional guidance


  • Available in 20 states
  • Commercial loans, and HELOCs not available
Simplistat a glance

Editorial score

Customer Service and Support

Large and dedicated support team comprehensive FAQ section


Variety of Loan Types

Purchase, VA, FHA, and refinance with fixed and variable rates


Variety of Products

Vary according to lender


Online Experience

User-friendly website, easy access to rates


Geographical Availability

Available in 20 states


Visit Simplist


If you’d like to compare mortgage deals from multiple lenders, Simplist can provide you with great purchase and refinance offers from its panel of lenders. In order to qualify, you’ll typically need a credit score of 620 or higher and have a minimum down payment of at least 3%.

Suitable For?

With its focus on online applications, Simplist could be especially suitable for borrowers who prefer to take a digital approach to managing their finances. The company could also be an appropriate choice for those who have served in the military or have a less-than-perfect credit score, thanks to its specialist VA loans and federally backed FHA loans. 

Types of Loans/Products

Simplist works with its mortgage partners to provide both purchase and refinance loans. Mortgage types include fixed-rate deals, adjustable-rate loans, investment mortgages, VA loans, and FHA loans. Borrowers can also apply for specialist loans if they are looking to construct a property. Main loan features include:

  • Minimum 3% down payments
  • A 620 or above credit score requirement
  • 10, 15, 20, 25, 30-year terms 

You can't, however, use the service to apply for commercial loans, or home equity lines of credit (HELOCs).

You should also note that the company offers mortgages in the following states:

  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Kentucky
  • Maine
  • Minnesota
  • Mississippi
  • Montana
  • New Jersey
  • Ohio
  • Pennsylvania
  • Tennessee
  • Texas
  • Washington DC
  • Wyoming

The Application Process

Simplist’s online application process can be completed in as little as 10 minutes. The first step is to select whether you are purchasing or refinancing a home. You’ll then need to enter information about the property and the amount you need to borrow. Simplist will then use this data to match you with the most competitive deals available from its partners. 

Repayment Terms

Simplist’s partners offer deals with 10-, 15-, 20-, 25-, and 30-year terms. The interest rate you pay will depend on factors such as your credit history and the type of property you are seeking to finance. If you’d like an indication of the rate you are likely to pay, the website provides a list of available deals and their APRs, which is updated daily.

Help & Support

After you complete your application, Simplist will assign you a loan officer who will contact you directly to help you complete the process. If your query is more general, you can enter your details into Simplist’s online query form and schedule a call with one of its loan officers at a time that is convenient for you.


With access to more than 50,000 mortgage offers, Simplist enables borrowers to compare a wide range of products without having to spend hours calling a string of lenders. Although Simplist is currently available in a limited number of states, those who do qualify will benefit from 1-to-1 support throughout the application process.


Am I guaranteed the same rate I was quoted?

Yes, as long as you provide accurate information in your application, you should receive the same rate you were quoted. 

Does Simplist offer mortgages to non-US citizens?

Yes, the lender has options for foreign nationals.

Is Simplist free to use?

Yes. Simplist does not charge application or processing fees.

Will Simplist service my mortgage?

No, Simplist will not service your loan. During the application process, you can choose which lender will service your loan.

Physical Address

500 7th Ave, 8th Floor, New York, NY, 10018

Visit Simplist


This review was compiled using the information on the company’s website and by contacting its customer service team via social media.

Katy Ward
Written byKaty Ward

Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance and software topics for Eleven Writing and Top10. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎


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