Welcome To Simple Mortgage

At Simple Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

We work with more than 100 investors. This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!

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We work conforming and non-conforming real estate loans.

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We can help you lock in a long term fixed rate and get out of your ARM.

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Today's Rates*

30 Yr Fixed7.25%7.375%
30 Yr Fixed FHA6.875%7.875%
15 Yr Fixed6.50%7.125%
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.

Deciding which loan is right, can be a difficult decision. We're here to help.
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Latest News

Rate Cuts Could Make Things Worse for Banks Before They Help

With the Federal Reserve poised to begin cutting interest rates, lenders could get caught between falling yields and rising deposit costs, especially if loan growth is slow.


There are lots of good reasons to choose an FHA loan.

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FHA Home Loans

Satisfied Clients

  • Cecil was more than someone doing his j-o-b; he took our calls and addressed every one of our nerve-racking concerns at all hours of the day and night during more than a year-long process. He went out of his way to research and educate us throughout the entire purchasing process. He took our ENTIRE ever-changing, fluid financial situation into consideration while determining the best loan for us. He was an outstanding advocate and adviser. I have owned 3 homes and gone through 5 loan processes, 2 with Cecil, and I have never come across a person that worked so hard for months on end. After our experience with him, I have the utmost confidence in his experience and knowledge. I feel like he was our calm in the storm at times while we were refinancing our existing home, purchasing land, and finally mortgaging our newly-built home. I would recommend his services to anyone!

    Holly L. Lehi, Utah

  • Great team that is truly dedicated to their customers and creating a smooth home buying experience. He explained everything clearly and accommodated my schedule and needs.

    Ashley J. South Jordan, UT

  • Cecil is a great lender! Explained everything very well and very willing to help! He is very knowledgeable and was great to answer all questions we had!

    Jared B. Eagle Mountain, UT

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Contact Us

Call Us: (801) 638-1311

Email Us: CJacob@SimpleMortgageUtah.com

Our Address: 11576 S. State Street, Suite 102-B, Draper, UT  84020

Mortgage Learning Center
Mortgage Calculate Monthly Payment

Calculate Monthly Payment*

Term Rate Apr Payment
30 Yr Fixed 7.25% 7.375%
30 Yr Fixed FHA 6.875% 7.875%
15 Yr Fixed 6.50% 7.125%
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.