Mortgage Loan Solutions Made Simple

WHO ARE WE?

Simplicity Mortgage Solutions (SMS), Inc. is a trusted mortgage broker in Georgia with over 30 years of collective experience across the mortgage industry. Our background spans mortgage underwriting, processing, appraisal review, and quality assurance. We use our broad knowledge to carefully analyze each client’s unique financial situation and mortgage needs, ensuring you secure the right loan to achieve your homeownership goals.

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About Simplicity Mortgage Solutions (SMS), Inc.

Our company is a collective of mortgage professionals committed to making the home loan process simple, transparent, and stress-free. As a dedicated mortgage broker in Georgia, we partner with a wide network of lenders to match you with the best loan options for your goals.

With over 30 years of combined experience in underwriting, processing, appraisal review, and quality assurance, our team understands the full picture behind every mortgage decision. We use that expertise to guide you from application to closing, ensuring you feel informed and confident every step of the way.

Whether you’re a first-time homebuyer, refinancing, or exploring alternative loan programs, SMS Inc. is here to support you with personalized service and unbiased mortgage solutions.

Why Choose a Mortgage Broker vs a Lender

Working with a mortgage broker in Georgia gives you access to more loan options, better rates, and personalized guidance that big lenders can’t offer. Instead of being tied to one bank’s products, we shop multiple lenders on your behalf to match you with the loan that best fits your financial goals.

At Simplicity Mortgage Solutions (SMS), Inc., we simplify the process, explain every step clearly, and advocate for you from the application

Why Choose SMS Inc.?

Your Best Interests at Heart

Your goals are our priority. We analyze your unique financial situation and shop multiple lenders to find the loan that truly fits your needs, not ours. Our mission is to make sure you’re comfortable as a mortgage is one of the largest financial decisions one makes.

Straightforward and Detail Oriented

We are your guide and as a result, an open book that is eager to answer questions and to educate you during every step. From application to closing, you’ll always know what to expect, with no surprises along the way.

Forthright about Fees

Transparency is key. We provide honest, upfront information about all fees and costs so you can make informed decisions without hidden charges. We have no problem discussing our compensation and as such our fee is disclosed early on.

States We Serve

We are currently licensed to do residential mortgage loans in Georgia (other states pending).

We are licensed to do DSCR loans in all states EXCEPT the following: Arizona, California, Idaho, Iowa, Michigan, Minnesota, Nevada, North Dakota, South Dakota, Oregon, and Utah.

Looking into more information regarding DSCR loans?

Head here to see if a DSCR Loan is the best loan for you.

Loan Programs We Offer

Conventional Loans – Great rates for qualified borrowers.
FHA Loans – Flexible credit requirements and low down payments.
VA Loans – Exclusive benefits for eligible veterans and active-duty service members.
USDA Loans – Zero-down options for eligible rural areas.

Jumbo Loans – Higher Loan amounts for luxury or high-value homes.
Super-Conforming Loans – Higher loan limits with competitive rates for buyers in select areas.
Non-Conforming Loans – Perfect for self-employed borrowers and unique income situations.

Home Equity Loans– Ideal for those looking for flexible, ongoing access to cash using your home’s equity. We also offer home equity lines of credit (HELOC).
Construction Loans- We offer FHA & Conventional construction loan options to finance building your dream home.
Reverse Mortgage Loans– Suited for homeowners 62 years and older looking to convert equity into cash for supplemental income.
DSCR Loans – Great for investors and individuals looking to qualify for a mortgage based on a property’s cash flow instead of their personal income.

Customer Reviews

It was a pleasure working with Simplicity Mortgage for my state-to-state move! They do just that, help to make the process simple. You are somewhat handheld throughout the process and involved in a transparent process as you are not in the dark but are given the information to help you make an informed decision on rates and terms. I appreciate knowing my true options as it was discussed, I was shown my options and not just given partial information. I have a much better understanding of the mortgage process. The only hiccup we had was beyond their control but we got through it with a lovely home in the end. Any other hiccup, not much at all, was handled by Simplicity to the point where I felt confident and worry free throughout the entire process. I am happy to use SMS for future home purchases and guidance. Thank you, Simplicity Mortgage!

Mrs. Cheeka

1st time Home-Buyer Purchase; State-to-State Move