Simple. The way it should be.
Straight answers. Easy applications. Fast closings. Van Simmons has been closing loans on time — and ahead of schedule — for clients across 12 states, with clear-to-close in as little as 10 days.
Old-Fashioned Values. Modern Miracles.
Van has had the pleasure of working with hundreds of families on their home purchase and refinance needs. Knowing that every client is making a significant investment, he makes the loan process as smooth and stress-free as possible — one client at a time. No call centers. No runaround.
Direct Access
You get Van's personal cell. Not a queue. Not a voicemail maze.
Fast Closings
A track record of closing on time — and ahead of schedule. Clear to close in as little as 10 days.
Straight Talk
No bait-and-switch. No hidden fees. Just honest advice and clear numbers.
The man behind the Simmons Express.
Van Simmons is a licensed mortgage loan officer (NMLS 2003560) with E Mortgage Capital. He specializes in purchase loans, refinances, VA loans, FHA loans, HELOCs, and investor financing — and he answers his own phone.
The right loan for your situation.
From first-time buyers to seasoned investors, Van has a program that fits.
FHA Loans
Learn more →Conventional Loans
Learn more →VA Loans
Learn more →Self-Employed Loans
Learn more →Reverse Mortgages
Learn more →Second Mortgages
Learn more →Three steps to closing day.
Apply in Minutes
Fill out a quick application online or call Van directly. No paperwork maze.
Get Your Options
Van reviews your file personally and presents clear loan options — no surprises.
Close on Time
Van manages your file from start to finish and keeps you updated every step of the way.
What clients say about Van.
"I had a great experience working with Van Simmons on my mortgage refinance. He explained my options clearly, answered every question quickly, and kept the process moving without any surprises. Closing was smooth and stress-free. I'd highly recommend Van to anyone looking to refinance."
Winston PenalosaGoogle Review · October 2026"Van was great! He got me the best interest rate and the best mortgage terms I could find — and I shopped around. He walked me through the entire process, returned calls and emails even outside of normal office hours. When rates drop again, he's the first person I will call."
Vincent CaroGoogle Review · May 2026"Van was absolutely incredible throughout the entire HELOC process. He was honest, informative, responsive, and made everything feel simple and stress-free from start to finish. He took the time to research all of our options and helped us find the best solution for our situation."
DJ PadenGoogle Review · May 2026