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About Us

At Simple Loans, our mission is to make home financing easy and stress-free by keeping it simple every step of the way.

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Loan Programs

Here at Simple Loans, we have the right loan program for you. Whether you are looking for Purchase, Refinance, Investment, or Specialized Loans, we can do it!

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Mortgage Calculators

Browse our easy-to-use calculators and tools. You will find what you need to get started, and then contact us today for a free, personalized consultation.

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The Changing Tides of the Housing Market

The Changing Tides of the Housing Market

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More homes are on the market and affordability is shifting. Find out how this benefits buyers and why now is a smart time to purchase.

The Simplest Way to Pay Down Credit Card Debt

The Simplest Way to Pay Down Credit Card Debt

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Credit card debt can feel overwhelming—but tackling it doesn’t have to be.

Should You Hold Out for Lower Interest Rates Before Buying a House?

Should You Hold Out for Lower Interest Rates Before Buying a House?

Jun 05, 2025

Thinking about buying a home? Here's what you need to know about mortgage rates, timing your purchase, and planning for your future.

What Our Customers Say About Us

Rating

5.0

16 reviews

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Amy and her team are professional, detail-oriented, and go the extra mile to make the home-buying experience special. As first-time buyers, we appreci ...

Amy and her team are professional, detail-oriented, and go the extra mile to make the home-buying experience special. As first-time buyers, we appreciated the thoughtful goodie boxes along the way! The process can feel overwhelming, but Amy’s expertise made everything clear and stress-free.

Alicia Guillette

5 months ago

Posted on Google

Amy is so amazing to work with! I refer all of my clients who need financing to her. Even if they aren't ready yet, Amy is happy to take the time to e ...

Amy is so amazing to work with! I refer all of my clients who need financing to her. Even if they aren't ready yet, Amy is happy to take the time to explain the process to them and help get them on the right path. As a Realtor, I have access to many mortgage professionals but I work with Amy on my own personal loans because I have so much trust in her. Highly recommend!

6 months ago

Posted on Google

We’ve used Amy for several home loans as well as refinancing. She makes this process simple and she’s very detailed. She’s who I trust with getting it ...

We’ve used Amy for several home loans as well as refinancing. She makes this process simple and she’s very detailed. She’s who I trust with getting it done!

Diana Shillington

6 months ago

Posted on Google

Working with Amy on securing our home loan was an absolute pleasure. We started our loan process the day after Thanksgiving, and thanks to Amy's effic ...

Working with Amy on securing our home loan was an absolute pleasure. We started our loan process the day after Thanksgiving, and thanks to Amy's efficiency and professionalism, we were able to move into our new home by New Year's Eve. Amy made the entire process feel seamless and stress-free. She was always available to answer our questions and provide clear, helpful guidance every step of the way. Her expertise and diligent approach made all the difference, ensuring everything moved along quickly and smoothly. If you're looking for someone who can make the loan process easy and efficient, I highly recommend Amy. She's not only a true professional but also genuinely committed to her clients' needs. Thanks to Amy, we started our new year in our new home!

6 months ago

Posted on Google

Amy was simply amazing. I won’t ever do a loan without her going forward. She handled all the BS and just got it done.

Amy was simply amazing. I won’t ever do a loan without her going forward. She handled all the BS and just got it done.

David MacKinnon

9 months ago

Posted on Google

I have worked with Amy on many different RE deals the past 20 years. By far, she is the most capable, creative, and professional in how she navigates ...

I have worked with Amy on many different RE deals the past 20 years. By far, she is the most capable, creative, and professional in how she navigates through any market!

9 months ago

Posted on Google

Amy and Kim made the loan process so simple. They worked super fast to find us a lender and get our loan approved quickly. Amy was super courteous and ...

Amy and Kim made the loan process so simple. They worked super fast to find us a lender and get our loan approved quickly. Amy was super courteous and was always prompt at answering all my questions. I’ll be sure to recommend her to anyone I come across that might be looking for a loan or refinance. You ROCK Amy and Kim.

1 year ago

Posted on Google

Amy Driscoll and Kim Tang with Ethos Lending were both professional, knowledgable, organized & hands on with all of our questions and needs to obtaini ...

Amy Driscoll and Kim Tang with Ethos Lending were both professional, knowledgable, organized & hands on with all of our questions and needs to obtaining our home equity loan. My husband and I were so impressed with their communication skills and creative loan options. We had the experience of attempting to obtain a loan from another broker and due to their lack of communication and attention to detail, we lost that loan and good interest rate. Fortunately, Amy and Kim were there to pick up the pieces and drive us home. Working with them, alleviated the stress and worry that comes with obtaining a loan. We are very grateful for all their help and will continue to work with them and refer all our friends & family to them as well! Sincerely, Cristina & Bob

Cristina Neighbor

1 year ago

Posted on Google

Buying a house can be stressful especially in this market but Amy made it seem easy!

Buying a house can be stressful especially in this market but Amy made it seem easy!

1 year ago

Posted on Google

Great lending experience. Excellent attention to every detail with no surprises

Great lending experience. Excellent attention to every detail with no surprises

1 year ago

Posted on Google

What a pleasure it was to work with Amy Driscoll with California Coastal Loans. The process was quick and easy. Amy was responsive, friendly, and effi ...

What a pleasure it was to work with Amy Driscoll with California Coastal Loans. The process was quick and easy. Amy was responsive, friendly, and efficient. We would definitely recommend her and Coastal Loans for all of your refinancing needs.

2 years ago

Posted on Google

I would highly recommend my mortgage professional Amy Driscoll to anyone looking to buy a home. She is very knowledgeable about the mortgage industry ...

I would highly recommend my mortgage professional Amy Driscoll to anyone looking to buy a home. She is very knowledgeable about the mortgage industry having been in it for over 20 year and has helped many of my clients find the best possible deal on their mortgage. She is also very responsive and always available to answer my clients questions.

2 years ago

Posted on Google

I was referred to Amy by 3 friends who had worked with her and I'm so happy my friends were looking out for me. Buying a home this past year was stre ...

I was referred to Amy by 3 friends who had worked with her and I'm so happy my friends were looking out for me. Buying a home this past year was stressful for me but Amy was on a mission to serve and support her clients. She was professional, caring, responsive to emails, and worked really hard to find a loan that worked for me. Get this smart woman on your team!

2 years ago

Posted on Google

We had a great experience with Amy. Due to the market trends, we had an aggressive 14-day closing period. Amy and her team were committed to making ...

We had a great experience with Amy. Due to the market trends, we had an aggressive 14-day closing period. Amy and her team were committed to making that happen and worked with us tirelessly to do so. We had some extraordinary circumstances that Amy handled with professionalism, kindness, and patience. We would not be in our home today without Amy and California Coastal Loans.

2 years ago

Posted on Google

A few years ago we were referred to Amy's services by a friend when we were looking to refinance our first home. We ended up refinancing twice and Amy ...

A few years ago we were referred to Amy's services by a friend when we were looking to refinance our first home. We ended up refinancing twice and Amy made both processes seamless! We recently moved a second time and of course had to go with Amy again! We are thankful with how easy both home processes have been Thanks to Amy!

2 years ago

Posted on Google