About Simply Approved Mortgages
Published Last updated
Simply Approved Mortgages LLC is a licensed mortgage brokerage, NMLS ID# 2620881, that originates residential mortgages in Florida and Colorado. This site is our down payment assistance research desk: we track assistance programs from state housing finance agencies, cities, counties, Federal Home Loan Banks and lenders, and we publish exactly how each one has to be paid back.
Published Last updated
- Reviewed September 2026
Our mission
Unlocking the American Dream, One Home at a Time
Why we built this
Down payment assistance is the most misunderstood part of buying a home. The money is real and it is substantial, but it is administered by hundreds of separate bodies, the terms change without notice, and most of what is written about it online is either an advertisement or a copy of an agency page from three years ago.
We work these files for a living in two states, so we know which details actually stop a closing: the income definition in the program guide, the purchase-price limit that sits below what the borrower's income supports, the education certificate nobody started, the reservation that expires before the appraisal comes back. This site publishes those details rather than a marketing summary.
How we work
Primary sources only
Every program record starts from the administering agency's own published guide, term sheet or income limit table. We link to that source on the program page so you can read it yourself, and we record the date we last checked it.
Compliance before marketing
Simply Approved Mortgages LLC originates residential mortgages only in Florida and Colorado. Pages about other states are research only: no application CTA, no availability claim, and a notice telling you to contact a lender licensed where the property is.
Plain language about repayment
The most damaging thing in this category is calling a lien 'free money'. We label every program as a grant, a forgivable second, a deferred second or a repayable second, because the label decides what it costs you at sale or refinance.
Dated, not evergreen-looking
We publish three separate signals on every page — when the content last changed substantively, when a human last reviewed it, and when the underlying data last refreshed. We never move a date just to look current.
Who writes and reviews the content
Content is written and reviewed by the Simply Approved Mortgages Team at Simply Approved Mortgages LLC. We attribute to the licensed entity and its NMLS record rather than to invented author personas, because the entity licence is the credential a reader can actually verify. Drafting tools may assist with structure, but every factual statement is checked against a primary source by a person before it is published — the process is written down in our editorial standards and our calculator methodology.
Licensing details, branch records and the states in which we may originate are listed on the disclosures and licensing page. If you want to talk to a person about a Florida or Colorado purchase, the contact page has both offices.
October 2026 Company And Editorial Practice Review
We reviewed company and branch licence records on NMLS Consumer Access, editorial and verification standards, state availability and disclosure requirements and program review and freshness cycle relevant to this page. No material changes requiring substantive revisions were identified this month. The information and sources shown here remain current as of our latest review.
- Checked: company and branch licence records on NMLS Consumer Access
- Checked: editorial and verification standards
- Checked: state availability and disclosure requirements
- Checked: program review and freshness cycle
This page's scheduled monthly review is overdue. The section above reflects our latest completed review, not a new one for the current month.
Current data & page updates
- Page last reviewed
- September 27, 2026
- Page last substantively updated
- September 27, 2026
- Next scheduled review
- October 27, 2026
- Current monthly review
- October 2026
- Live data feed
- No
This page is past its scheduled review date and is queued for the next review cycle.
Licensing & Disclosures
Simply Approved Mortgages LLC | NMLS #2620881
Florida Branch Office (Miami, FL) | Branch NMLS #2688012
Florida Mortgage Broker License #MBR7685 | Colorado Mortgage Company Registration
Business Phone: (877) 813-7219
Equal Housing Opportunity
Broker identification. Simply Approved Mortgages LLC is a mortgage broker and is not a direct lender. We arrange residential mortgage loans with third-party lenders and do not make the lender's final credit decision or fund the loan. We arrange residential mortgage loans in Florida and Colorado.
Down payment assistance programs. Down payment and closing-cost assistance programs listed or referenced on this site may be administered by third parties, including state housing finance agencies, cities, counties, Federal Home Loan Banks, nonprofit organizations, lenders, and other program sponsors. Simply Approved Mortgages LLC does not administer, control, fund, or guarantee third-party assistance unless expressly stated otherwise.
Listing or displaying a program does not constitute an offer of that program, a representation that funding is currently available, or a determination that a borrower or property qualifies. Program availability, funding, assistance amounts, income limits, purchase-price limits, credit requirements, occupancy requirements, geographic restrictions, homebuyer education requirements, participating-lender requirements, repayment terms, and other eligibility criteria vary by program and may change or become unavailable without notice. Eligibility and current program terms must be confirmed for the particular transaction.
Types of assistance. Down payment or closing-cost assistance may be structured as a grant, forgivable loan, deferred-payment loan, repayable second mortgage or other form of assistance. Assistance structured as a lien or secondary financing may be subject to repayment, forgiveness, occupancy, resale, refinance, or other conditions. Assistance should not be considered "free money" unless the applicable program documents expressly provide that the assistance is a grant with no repayment obligation.
Receiving or potentially qualifying for down payment assistance does not guarantee mortgage approval, guarantee receipt of assistance, or necessarily eliminate all funds that a borrower may be required to contribute to a transaction.
Credit and program terms. All loans are subject to lender credit approval, underwriting, acceptable appraisal, title review, insurance, and supporting documentation. Eligibility, programs, rates, APRs, points, fees, payments, terms, loan amounts, down-payment requirements, and availability may vary based on borrower, property, occupancy, credit profile, loan-to-value ratio, debt-to-income ratio, lender, assistance program, and location and may change without notice. Not all borrowers, properties, products, or programs will qualify or be available in every location. Nothing on this site constitutes a loan approval, rate lock, offer, commitment to lend, guarantee of assistance, or guarantee of closing.
Rates, payments and calculators. Rates, APRs, payments, down payments, estimated assistance amounts, affordability, home prices, closing costs, savings, and other calculator or scenario results displayed on this site are estimates or illustrations unless expressly stated otherwise. Actual eligibility, assistance, and loan terms may differ. Taxes, homeowners insurance, mortgage insurance, association dues, lender charges, broker compensation, discount points, third-party charges, and other costs may apply. Advertised rates, payments, APRs, down payments, and other credit terms are subject to the assumptions and disclosures presented with the applicable advertisement.
Government affiliation. Simply Approved Mortgages LLC is not a government agency and is not affiliated with, acting on behalf of, sponsored by, or endorsed by HUD, FHA, VA, USDA, any housing finance agency, or any other federal, state, or local government agency. References to government agencies, housing authorities, assistance programs, data, forms, or resources are provided for informational purposes and do not imply sponsorship or endorsement of Simply Approved Mortgages LLC.
Fair lending. Equal Housing Opportunity. Simply Approved Mortgages LLC conducts business in accordance with applicable federal and state fair-housing and equal-credit-opportunity laws and does not discriminate on any prohibited basis.
No professional advice. Content on this site is educational and general in nature and is not legal, tax, accounting, financial, or investment advice. Borrowers should review the applicable program documents and consult qualified professionals regarding their individual circumstances.