Simple Docs Refinance™
Available to Public Service Employees


All public service employees are eligible to apply for Next Door Programs Simple Docs Refinance.™  With Simple Docs, many times we can access all or most of your documentation online (with your permission), thereby eliminating the need for you to collect many of the loan documents typically required, including pay stubs, W-2’s, tax returns and bank statements. Simple Docs™ is not available in all areas.*

Benefits of Simple Docs Refinance:*

  • Simple Docs Program™
  • NO application fees
  • FREE credit repair consultation (if needed)
  • 24-Hour Pre-Qualification
  • Ultra-Fast Closings
  • Preferred Interest rates
  • NO Closing Cost options available
  • FREE appraisal (up to $545.00 credit at closing)
  • Discount title fees
Reasons to Refinance:

  • Cash-Out Home Improvement
  • Cash-Out Debt Consolidation
  • Cash-Out Other
  • Lower Payment
  • Shorten Loan Term
  • Remove PMI
  • Change ARM to Fixed Rate
  • Pay for College
  • Improve Financial Stability
  • Change Title

Who is Eligible: 

  • All Teachers and School Employees
  • All Nurses and Healthcare Employees
  • All Law Enforcement and Support Staff
  • All Firefighters, EMT's and Support Staff
  • All Government Employees
  • All Active and Former Military Personnel

Amazing to Work With!
"Words cannot do James and the Teacher Next Door Program justice!  James was the most accommodating, helpful person I've ever had the pleasure of working with.  He was professional, knowledgeable and overall amazing to work with.  He was there whenever we needed a question answered or something explained.
Samantha Lloyd
Boston, MA

Information updated May 15, 2024