Home Simply Review
See how often this lender's Bankrate auction price beats comparable loans from 2025.
Bankrate verified lender
This lender is a Bankrate Auction Participant, meaning we verify their offer authenticity and hold them to high standards to ensure you get the best possible rate offer.
How Bankrate scores Home Simply
Home Simply is a mortgage broker, not a direct lender — it doesn't originate loans itself. We still score its pricing on the same measures we use for every lender, so you can compare it fairly against your other options.
- Price competitiveness
How often this lender's borrowers pay at or below the typical price for a comparable loan.
5 out of 5 - Amount of overpayment
How much extra borrowers ended up paying with this lender compared to the best price for a comparable loan. A higher percentile score is always better.
5 out of 5 - —Customer complaints
1 CFPB mortgage complaint on file in 2025 (1 about applying for or closing a loan) — shown as a count, not a star: brokers don't originate loans, so there's no per-loan denominator for a rate.
Not rated - —Where and what they lend
10+ Bankrate customers in 13 states; 100+ in 10. No lending-reach data from this broker, so this stays a comparison point for you rather than a star.
Not rated
No lender can pay for a higher Bankrate Rating. Every score comes from the same data and criteria.
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What Bankrate's editors think
Home Simply’s differentiator is speed: It reports an average 14.2-day closing, well under typical industry timelines. Its loan menu also extends past the basics into investor loans, with real underwriting specifics — a roughly 620 minimum credit score, 20% to 25% down, and the option to close under an LLC rather than your own name.
That execution shows up in pricing too: about 85% of its loans were priced below comparable 2025 loans, and it charges less in added costs over eight years than roughly 80% of lenders that Bankrate reviews. Its lone CFPB complaint was resolved within the required timeframe, and there’s no enforcement history to speak of.
At a glance
Good for borrowers who want a fast-closing broker with expertise in investor financing, including loans that can close under an LLC. Not a good fit if you need a USDA loan — it’s not part of the lineup.
What consumers say
Summary: Home Simply reviewers most often credit the loan officer with clear, attentive guidance, with an evenly matched group also describing the team as easy to reach.
Complicated, cumbersome, and arguementative
Home Simply Mortgage is the most complicated and argumentative company I’ve dealt with. Matt tried to wrangle me into a situation that was completely unnecessary, with multiple answers to questions that verged on the opposite ends of the spectrum. When I decided to steer away from this company, Matt literally has a “hissy fit”. His company wasn’t my first rodeo and I know my financial business. Don’t know how they derive star reviews?!
Jenny · Arizona
Best experience ever, you won’t be disappointed
Tim and Reina at HomeSimply made our home purchase incredibly smooth from start to finish. While other lenders quoted us rates between 6-6.5%, HomeSimply came in with a straight 5.75% ; a huge difference over the life of the loan. On top of that, they stayed on top of every detail throughout the process, from loan lock to underwriting to clear to close, and were quick to communicate and resolve any issues along the way. Their responsiveness and competitive rate gave us real peace of mind during a stressful transaction. Highly recommend HomeSimply to anyone looking for a lender who actually delivers.
Claude A. · Dfw
VA home purchase with Matt Harrell
Matt Harrell did a fantastic job helping us through the entire home-buying and loan process. This was my second VA loan, and Matt made the process incredibly smooth from start to finish. His communication was especially impressive—he was always quick to respond, clear in his explanations, and proactive in keeping us updated throughout the process. He made sure we understood each step and was always available whenever we had questions. I really appreciated his knowledge of the VA loan process and his willingness to go above and beyond to make everything as easy as possible. I highly recommend Matt to anyone looking for a knowledgeable, responsive, and trustworthy lender.
Ben G. · Williamsburg, VA
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