The mortgage industry has changed forever.  The number of FHA approved lenders is shrinking and conventional mortgage lenders are tightening their guidelines.

This web site belongs solely to me, Jim Simms.  It is my humble attempt to give back to the industry that has taken care of me for years.  Both of my parents were Realtors®I grew up in the business. 

I live and work in Louisville and I am licensed to originate mortgage loans throughout Kentucky. 

The purpose of this material is to help anyone that is considering buying or selling a home to understand the mortgage financing side of their transaction.  My decades of experience dealing with home buyers and sellers have taught me a great deal about the business and more importantly about the motivating factors that can impact any transaction.

I publish this in an open format so anyone can use the resource.  Although my experience is mainly derived from real estate transactions where the property is located in Kentucky, the basic concepts will work anywhere in the USA.  Mortgage guidelines are fundamentally the same all over the country.

Jim Simms

About Us

    Jim Simms, a native of Louisville grew up in the real estate business.  Both of his parents were Realtors.  He owned a home before he was of age.  He was one of the first 18 year olds licensed to sell real estate by the State of Kentucky. Jim has served as a zoning …

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Be My Guest – Just for Authors

I Welcome Guest Authors. Consider this an invitation to publish articles on this site.  It is easy to do, first register as a user. Next, shoot an email, send it to jim@jamessimms.com containing your user name and I will upgrade your status to Contributor.   Once you receive my confirmation email log in and write …

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Terms and Conditions

Welcome to The Mortgage Hub, a website published and maintained by Jim Simms, Louisville, Kentucky. We provide information about financing residential real estate in Kentucky.  By using the Service YOU AGREE TO THE TERMS AND CONDITIONS BELOW, IF YOU DO NOT AGREE PLEASE DISCONTINUE THE USE OF THE SERVICE. 1.  PURPOSE. The purpose of this …

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Privacy Policy – The Mortgage Hub

What information do we collect? We collect information from you when you register on our site, subscribe to our newsletter or fill out a form. When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address, mailing address or phone number. You may, however, visit our site …

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