Simple Lending USA · NMLS# 2673808
Mortgage specialists for the newly wealthy
The Simple Lending USA team has originated over $1 billion in mortgage loans across all 50 states. We specialize in IPO home loans based on stocks and pre-IPO equity — working 1:1 with every client to guide them step by step from qualification through closing.
Who We Are
Based in the San Francisco Bay Area
We are headquartered in the San Francisco Bay Area — the epicenter of tech IPOs and pre-IPO equity. Our team understands the unique financial profile of tech employees and investors: illiquid equity, variable income, and the compressed timeline between IPO announcement and lock-up expiration.
We work with clients across all 50 states — from first-time homebuyers using RSUs as a down payment, to executives financing a second home against pre-IPO equity in a company months from going public.
Our Approach
1:1 guidance, start to close
We don't hand you off to a call center. Every client works directly with a dedicated loan officer who guides them step by step — from understanding how your equity qualifies, through underwriting, to closing day.
Most of our clients have never used equity to buy a home before. We explain every step in plain language, move at your pace, and make sure you understand exactly what you're signing.
What We Do
IPO & Pre-IPO Equity Loans
We specialize in mortgage financing based on stock options, RSUs, and pre-IPO equity — structuring loans that traditional lenders won't touch.
Residential Loans
Primary residences, second homes, and investment properties across all 50 states. Jumbo, conventional, and portfolio products available.
Commercial & Business Loans
Commercial real estate and business financing for founders and executives building wealth beyond their equity event.
Your Loan Officer
Loan Officer · NMLS# 1957514
Simple Lending USA · NMLS# 2673808
Cell
408-832-8200Simple Lending USA · NMLS# 2673808 · Jay Singh NMLS# 1957514 · Loans in all 50 states · Affiliated with simplelending.com · Equal Housing Lender
Ready to get started?
Let's talk about your equity