Loan Programs - Sims Mortgage Team

Cash Out Refinance

Our cash-out refinance home loan program can put the equity in your home to good use. Whether it's to put in a new pool or invest in another property. We can help you maximize your equity while keeping your rates and terms favorable

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Home Purchase Loan

Whether you're looking to purchase your first home, your dream home, a vacation home, or a residential investment property, we can help you achieve your homeownership goals with the most aggressively priced home loan on the market.

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Mortgage Refinance

If you're looking to lower your mortgage interest rate or term, while reducing your monthly payment without any out of pocket expense then we have several lenders whom we work with to save our borrowers tens of thousands of dollars.

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VA Loans

You've served your country, allow your country to no serve you by taking advantage of your VA benefits, and become a home owner with 0% Down.

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Texas Consumer Complaint and Recovery Fund Notice

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

Pre-approval is based on a preliminary review of credit information provided to Calyx Mortgage, Inc d/b/a Sims Mortgage Team which has not been reviewed by Underwriting. Final loan approval is subject to a full Underwriting review of support documentation including, but not limited to, applicants’ creditworthiness, assets, and income information, and a satisfactory appraisal.