Simi VanScoy at RATE

Sometimes, the biggest savings, come from simple habits most homeowners never learn about.

Making just ONE extra mortgage payment per year could help shave 6–8 years off your loan and save you thousands in interest over time.

Small, intentional moves today can create major financial freedom later.

Yes, I’m the lender who helps you buy the house — but I also want to help you become smarter with your money after closing too. Follow me for more mortgage tips, homeowner hacks, and debt-free strategies.

The goal = Pay off your mortgage faster and live debt free.

Follow me for more wealth building strategies.

Lacking motivation? You just need an office upgrade and a lender to help get you there.

Call me, I’ll be in my office 😉

Financial freedom isn’t a secret—it’s a strategy.

I’ve been on both sides of real estate: as an investor and now as a lender. I’ve seen what works, what doesn’t, and what actually builds long-term wealth.

I’m excited to share my experience with the world and If you’re finally ready to understand how real estate can work for you, you’re in the right place.

Not all lenders are created equal.

When you apply to buy a condo with me, I will always take the time to show you what it would look like to purchase a townhouse instead. A lot of the times, with higher condo fees, the numbers can favor one clear path.

If you’re looking for a lender who show you ALL of the options, I’m the math nerd you’ve been waiting for.

I’m here to help you weigh the pros and cons. And to do the math 😍

What’s your monthly payment goal? Call me and I’ll help you reverse engineer your price point, so you can achieve your goals.

Simi VanScoy | Loan Officer | NMLS #2452341 | RATE | NMLS #2611 | 🏠 Equal Housing Lender
Disclaimer: Example only. Payment based on a $1,600,000 loan amount at 6.25% interest (P&I only). Taxes, insurance, and HOA not included. Rates, terms, and programs subject to change and borrower qualification. Not a commitment to lend.

✨ This dreamy property in Loudoun County, VA has its own luxury spa retreat with a steam shower, sauna, and hot tub. The outdoor living space and full outdoor kitchen are truly an entertainer’s dream.
And to top it all off… that drop-dead gorgeous pool completely took my breath away.

I’m the kind of lender who will fall in love with beautiful spaces right alongside you — and help you run the numbers to see what’s possible. 🥰

Listing courtesy of my beautiful friend: Lisa Smith

Simi VanScoy | Loan Officer | NMLS #2452341 | RATE | NMLS #2611 | 🏠 Equal Housing Lender
Example only. Payment based on a $2,000,000 loan at 6.25% interest (P&I only). Taxes, insurance, and HOA not included. Rates, terms, and programs subject to change and borrower qualification. Not a commitment to lend.

There is no higher compliment than a kind review from a happy homeowner! 🌟

It has been my absolute pleasure helping these families navigate the home-buying process. Thank you for trusting me with your "big move" and for allowing me to help turn those homeownership dreams into a reality.

Thinking about buying or refinancing? Let’s chat! Call me on 540-222-7432

“Hi Simi, I found my dream home… what would my payment be?”

Let’s break it down 👇
💰 Purchase price: $750,000
💵 5% down
🏦 Loan amount: $712,500
📉 5.99% interest rate
🗓 30-year fixed conventional
➡️ Principal & Interest: $4,270/month
That’s the power of knowing your numbers.

Before you fall in love with the house, fall in love with the payment. The right strategy can make a huge difference in how comfortable you feel every single month.

Every scenario is different — credit score, taxes, insurance, HOA, and loan structure all matter. If you want to know what your payment would look like, let’s run the numbers together.

📲Call me today 540-222-7432
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Disclaimer:
This is a fictitious example for illustrative purposes only. Payment shown reflects principal and interest only and does not include taxes, insurance, mortgage insurance, or HOA (if applicable). Rate, payment, and terms are not guaranteed and are subject to change. This is not a commitment to lend. All loans are subject to credit approval and program guidelines.
Simi VanScoy | Loan Officer | NMLS #2452341
RATE | NMLS #2611 | 🏠 Equal Housing Lender