Twenty years of service,
now finding you home.
I'm Viola Simmons — a mortgage loan officer, Navy veteran, and mom who believes buying a home should feel like progress, not paperwork.
Service has been the foundation of my life.
As a Navy Chief with 20 years of military service, I've dedicated my career to leading people, solving problems, and helping others succeed.
From mentoring service members through major life milestones to spending several years as an instructor, I've learned that trust is earned through consistency, honesty, and follow-through.
Read my full story
Raised in a small town of only 500 people — yes, 500 — and now a mother of two, I understand the importance of community, family, and having a place to call home.
Those experiences have shaped my commitment to serving clients with the same care and dedication that guided my military career. I know the mortgage process can feel overwhelming, especially for first-time homebuyers. My goal is to provide clear guidance, answer questions, and help clients make informed decisions with confidence.
I bring a disciplined, solutions-focused approach while ensuring every step is handled with professionalism and compliance. When you work with me, you're working with someone dedicated to putting your needs first — helping you navigate one of life's biggest investments with confidence.
Loan programs built around your life, not the other way around.
Each program has its own dedicated page with calculators, plain-English explanations, and answers to the questions people actually ask.
Conventional
The most common path to homeownership, with flexible terms for a wide range of buyers.
FHA
Lower down payment options designed to open the door for first-time buyers.
USDA
Zero-down financing for eligible rural and suburban properties — not just farms.
HUD Section 184
Built for Native American and Alaska Native families — low down payment, flexible credit.
VA Loans
Built for those who served. As a veteran myself, this one's personal.
Renovation Loans
Buy the fixer-upper and finance the repairs in one loan — FHA 203(k) and VA Renovation.
Investment Properties
DSCR and fix-and-flip financing, built for investors, not owner-occupants.
Refinance
Lower your rate, tap your equity, or streamline an existing VA loan.
Buy Before You Sell
Make a confident offer on your next home without waiting on your current one to sell.
Down Payment Assistance
Explained honestly — how it works, the trade-offs, and what's available in your state.
Years of Service
Two decades leading, mentoring, and following through — now channeled into helping you understand your home loan options.
Small-Town Roots
Raised in a town of 500 people, I learned early that community looks different everywhere — and I meet people where they are.
Direct Access to Me
Have a question about how any of this actually works? You're talking directly with me — not a call center, not a chatbot, just someone who genuinely knows this industry and is glad to help you understand it.
Have questions? I'm happy to help.
No pressure, no jargon — just real answers to your questions. Reach out however's easiest.