Cedric Simmons
Loan Officer · Barrett Financial Group · NMLS# 1915832
Big retail lenders and banks often charge more for the same rate, offer fewer loan options since they're limited to their own products, and can make you feel like a number instead of a person. I take a hands-on approach and personally work through every step with you, solving problems as they come up.
Working direct with me = fewer obstacles & more money saved.
I know a mortgage can feel like a lot to hand over to someone you just met on the phone. My job is to make sure it doesn't feel that way for long — I review every file myself, I answer my own phone, and I'll tell you straight if something doesn't make sense for you. Let's get you moved in, or saving money, on terms you actually understand.
Whatever your situation looks like, there's a good chance I've closed this exact kind of loan before.
No jargon, no surprises — just the three steps between here and your keys. No jargon, no surprises — just the three steps between here and your new rate.
Send a few documents through your secure application. I review them personally and confirm your real budget — not a rough guess.
You and your agent go looking with a pre-approval letter in hand, so offers get taken seriously from day one.
Once you're under contract, I lock your rate, manage every deadline, and keep you updated until you have your keys.
Send your current mortgage statement through your secure application — takes about five minutes.
I'll show you the new payment, the break-even point, and the actual dollars saved — so you can decide with real information.
If it makes sense, we lock your rate and move to closing. If it doesn't, I'll tell you that too.
Real Google reviews from past clients.
"Cedric is not only trustworthy and professional, but a just a great guy! My husband and I are so happy we responded to his VA mailer."
"Cedric is such an expert in his craft I trusted him from start to finish and can't wait to work with him again!"
"Cedric was very easy to work with. First thing I noticed about Cedric was his work ethic and attention to detail. He was able to make my loan process very easy and most importantly helped me understand the process. Will be using again for future property investments!"
"Cedric was very helpful to us when we were going through the process of purchasing our FIRST home! Very knowledgeable and walked with us through every step! We had some bumps in the road with our seller, and Cedric was always available to assist and give guidance! Thank you for helping us get our dream home!"
"My husband and I originally were working with another company, we were constantly stressed out, making moving states so much more difficult. We were later introduced to Cedric from a friend and were so relieved. Cedric worked every option possible to make sure we got the house that we had wanted and wouldn't make us break our back at work. He definitely goes above and beyond for his clients."
I run one credit check when you submit your application, so the numbers I give you are accurate, not a rough guess. Credit scoring models typically treat multiple mortgage-related inquiries within a short window as a single inquiry, so shopping for your loan isn't treated the way people often assume. A couple of exceptions: VA and FHA streamline refinances only require a soft credit pull, and if we're doing a pre-qualification more than 4 months out from your purchase, that's a soft pull too.
Most clients have a pre-approval letter within 24 hours of submitting documents, often the same day.
Generally your last two pay stubs, two years of W-2s or tax returns, and two months of bank statements. I'll tell you exactly what applies to your situation.
No obligation at any point. Getting pre-approved costs nothing and doesn't commit you to anything.