We offer FHA, VA, JUMBO, USDA, & HARP Loans!

We appreciate the service of our military folks! Please ask us about our $300 credit towards closing cost for our military customers!

Be sure to ask about our no point, no closing cost product offerings!

Ask us about our unbelievable FIRST TIME Homebuyer's program!

"We make the mortgage process simple and straightforward by offering you the latest in financial tools that enables you to make sound financial choices. We call this process, MortgageSimple." -Jim Johnson, President & Founder

You can explore our site without any obligation or disclosure of personal information, or if you want, you can even begin the application process online.

We understand that every customer is very different, and we offer a variety of lending products to meet your individual, family and business needs.

We take great pride that over 93% of our business is either repeat or referred from our loyal customers.

Please contact us today for a FREE, no obligation, confidential consultation on your lending needs. You can also apply online. It is fast, secure and easy! You will be surprised with the results!


Our Private Mortgage Banking Group has established numerous lending relationships with most of the major commercial banks, which means we have access to a program that can meet your individual needs.

Please contact us via phone, e-mail at jejsmb@gmail.com, or apply online today!

Residential offerings include, but not limited to the following:
• Conventional fixed rate (3% down payment, FannieMae & FreddieMac).
• Conventional ARM (FannieMae & FreddieMac).
• JUMBO fixed rate.
• JUMBO ARM (1,3,5,7 & 10 year options available).
• FHA fixed rate (3.5% down payment).
• VA fixed rate (0% down payment for qualified veterans).
• USDA fixed rate (0% down payment for qualified applicants).
• Harp.
• Helocs (Home equity lines of credit).
• Interest only (fixed & ARM).
• New construction.
• Construction perm.
• Reverse mortgages.
• Pledge asset.
• Asset depletion.
• Condotel.
• Non-Warrantable condo.
• Trust & LLC ownership.
• Private lending for unique situations.

Commercial offerings include, but not limited to the following:
• Fixed rate or ARM financing.
• Permanent financing.
• Construction financing.
• Interim/Bridge financing.
• Joint venture financing.
• Participating financing.
• Preferred equity financing.
• Second mortgage financing.
• Mezzanine financing.
• Credit/Tenant financing.
• Sale/Leaseback financing.
• Invoice/Accounts receivable financing.
• Private money financing.