TEXAS MORTGAGE LENDING

You're not buying a rate.
You're buying the place life happens.

Rajesh Sikdar helps homebuyers and real estate investors across Texas get clear, honest financing — without the runaround. Tell us which path is yours and get a personalized plan in minutes.

1States Licensed 13Company States Licensed 2613215NMLS # <24hAvg. Response Time
Path 01

Home Buyer

First home, next home, or the one you've been waiting for. Let's find the loan that fits your life.

Path 02

Investor

Building a portfolio or closing on your next deal. Get financing built for investment math, not just income.

Licensed in Texas
NMLS #2613215 · Company NMLS #2092138 · Equal Housing Lender
Direct line (682) 712-8070
rajesh@simplexlending.com
WHY SIMPLEX

Mortgage advice that's actually built around you.

Most loan officers sell a generic rate quote. Rajesh starts with your situation — buyer or investor — and works backward to the right structure, the right timeline, and a plan you actually understand.

01

Two distinct playbooks

A first-time buyer and a 5-property investor need completely different strategy. You get the one built for your goal, not a one-size-fits-all script.

02

Straight answers, fast

You'll know your real numbers — payment, cash to close, and what you qualify for — within one business day, not one week of back-and-forth.

03

One point of contact

You work directly with Rajesh from pre-qualification to closing day — no call center, no hand-offs, no getting lost in a queue.

60-SECOND QUALIFIER

Get your personalized lending plan.

Answer a few quick questions — no SSN, no credit pull, no commitment. Rajesh reviews every submission personally.

Step 1 of 4

What are you working on?

Step 2 of 4

Where are you in the process?

Step 3 of 4

What's your timeline?

Step 4 of 4

Where should Rajesh send your plan?

No credit pull. No spam. Rajesh personally reviews every submission within one business day.

You're in, friend.

Rajesh has your details and will reach out within one business day with your personalized plan. Want to talk sooner?

HOW IT WORKS

From first conversation to closing day.

01

Tell us your goal

Buyer or investor, you share your numbers and your timeline — through the quick qualifier above or a direct call.

02

Get your real numbers

Rajesh reviews your situation personally and sends a clear breakdown: what you qualify for, estimated payment, and cash needed to close.

03

Lock your strategy

Choose the loan structure that fits — whether that's a conventional purchase, FHA, or investment-property financing — and get pre-approved.

04

Close with confidence

Rajesh stays your single point of contact through underwriting, appraisal, and closing — so nothing falls through the cracks.

QUICK CALCULATOR

See an estimated payment in seconds.

Adjust the sliders for a rough idea — your qualifier submission above gets you the real, underwritten numbers.

Estimated monthly payment
$1,816
Principal & interest only — taxes and insurance vary by county.
Loan amount$315,000
Down payment$35,000
Total interest paid$338,760
Get My Exact Numbers →
FROM CLIENTS

Buyers and investors, both covered.

"I'd been pre-approved by two other lenders and still felt confused. Rajesh actually explained the numbers instead of just sending a form letter."

Priya M.
First-time buyer · Plano, TX

"He understood DSCR financing better than lenders I'd worked with for years. Closed my fourth rental in three weeks."

Marcus T.
Investor · Detroit, MI

"One person handled everything from pre-approval to closing. No surprises, no chasing people down for answers."

Angela R.
Move-up buyer · Frisco, TX
COMMON QUESTIONS

Before you reach out.

No. The questions above are informational only — there's no credit pull until you choose to move forward with a formal pre-approval.

Yes — including DSCR loans that qualify off the property's cash flow rather than your personal income, alongside conventional investment financing.

Rajesh is licensed in Texas (NMLS #2613215). If your property is outside those states, he can point you toward someone who can help.

Most clients have a clear answer and pre-approval letter within 24–48 hours of submitting their qualifier and documents.

READY WHEN YOU ARE

Your next home — or your next deal — starts with one honest conversation.

No pressure, no scripts. Just a clear plan built around what you're actually trying to do.

Start My 60-Second Plan