Mortgage Made Simple
Access competitive rates, a streamlined application, and straightforward process for your mortgage finance needs.
About Us
Simplified Capital was founded by Stephen Caceda, a seasoned professional with nearly a decade of experience in the mortgage industry. Throughout his career, Stephen has navigated a diverse range of loan origination scenarios, equipping him with the expertise and insight to address a wide array of client needs. At Simplified Capital, we leverage this depth of experience to offer tailored mortgage solutions, ensuring a seamless and supportive journey for every client, whether they're stepping into their first home or expanding their investment portfolio.
Our Services
Conventional
Conventional loans are non-government-backed mortgages that adhere to the guidelines set by Fannie Mae and Freddie Mac, offering flexible terms and competitive rates.
FHA
loans that are backed by the Federal Housing Administration, offering lower down payments and more lenient credit requirements, making them ideal for first-time homebuyers.
Reverse Mortgage
A reverse mortgage allows homeowners aged 62 and older to convert part of their home equity into cash without having to sell their home or make monthly mortgage payments.
Bank Statement
Bank statement loans cater to self-employed individuals or those with non-traditional income, using bank statements instead of W-2s to prove income for mortgage qualification.
DSCR
DSCR loans are investment property loans where the lender evaluates the property's cash flow and ability to cover the mortgage payments, rather than the personal income of the borrower.
Hard Money
Hard money loans are short-term, asset-based loans where the borrower receives funds secured by real property and are typically used in investment or commercial real estate transactions.
Our Mission
To simplify the mortgage process, providing accessible, transparent, and personalized mortgage solutions that empower individuals and investors to make informed financial decisions and achieve their property aspirations with confidence.
Our Philosophy
Simplicity is our compass. We navigate the complexities of mortgages with clarity and integrity, ensuring every decision is informed and every client journey is smooth.
Our Promise
To offer a transparent, tailored mortgage experience, where personal service meets competitive solutions. Your trust, our commitment.
Our Guarantee
We guarantee a seamless and stress-free mortgage process, with our team committed to finding the best possible financing solutions tailored to your needs. Your satisfaction and successful journey to homeownership are our top priorities
Frequently Asked Questions
Q:
What differentiates Simplified Capital from other mortgage brokers?
Simplified Capital stands out because it's owner-operated, meaning you get personal, expert guidance directly from our founder, Stephen Caceda. We keep our operations lean to minimize overhead, ensuring cost savings are passed directly to you.
Q:
What is the minimum down payment required to buy a home?
The minimum down payment can be as low as 0% for VA loans or 3% for certain conventional loans, with options like FHA loans requiring 3.5%. Some lenders offer special reduced down payment programs, and there are also grant and down payment assistance (DPA) programs available to help qualifying buyers reduce upfront costs.
Our Blogs
Exploring Bank Statement Loans : A Solution For Self-Employed Borrowers
Learn how bank statement loans can help self-employed borrowers qualify for a mortgage without traditional income documentation. Discover the benefits and how they work. ...more
Mortgage
October 14, 2024•4 min read
Understanding Foreclosure Bail Out Loans: How to Save Your Property Before It's Too Late
Learn how foreclosure bail out loans can help homeowners avoid foreclosure, preserve their credit, and regain financial stability. Discover how these loans work and their key benefits. ...more
Mortgage
October 12, 2024•3 min read
Act Fast: The Florida Hometown Heroes Program Returns – Your Chance to Unlock Homeownership!
Explore the Florida Hometown Heroes Program, designed to help essential workers like firefighters, nurses, and teachers achieve homeownership with financial support. ...more
Mortgage
May 10, 2024•3 min read
Turning the Tide: Using Reverse Mortgages to Refinance Homes in Foreclosure
Explore how reverse mortgages can offer a lifeline for homeowners facing foreclosure, providing a chance to refinance and preserve their homes. ...more
Mortgage
February 27, 2024•3 min read
The Do's and Don'ts of Mortgage Financing
Explore essential tips and pitfalls in mortgage financing, from maintaining credit to avoiding common mistakes, ensuring a smooth loan process. ...more
Mortgage
February 26, 2024•2 min read
Get in touch with us
Ready to simplify your mortgage journey? Reach out today, and let's start a conversation about your financial goals. At Simplified Capital, your dream property is closer than you think. Call, Text, or Email anytime. Or feel free to fill out the form and we will contact you!
Every consultation is a no pressure conversation meant to help you feel comfortable about your mortgage financing needs.
(305) 804-0557
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© Copyright 2025. Simplified Capital LLC NMLS ID# 2574896. All rights reserved.
We do business in accordance with the Federal Fair Housing Law (The Fair Housing Amendments Act of 1988) and the Equal Credit Opportunity Act. It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, national origin, age, marital status, or because all or part of an individual's income comes from any public assistance program, or because the individual has in good faith exercised any right under the Consumer Credit Protection Act.