About Simply Approved Mortgages
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
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.
September 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
Current data & page updates
- Page last reviewed
- September 4, 2026
- Page last substantively updated
- September 4, 2026
- Next scheduled review
- October 4, 2026
- Current monthly review
- September 2026
- Live data feed
- No
Licensing & Disclosures
Simply Approved Mortgages LLC | NMLS #2620881
Florida Mortgage Broker License #MBR7685 | Colorado Mortgage Company Registration
Simply Approved Mortgages LLC is a mortgage broker and is not a direct lender. We arrange residential mortgage loans in Florida and Colorado.
Eligibility, terms, conditions, and availability vary by borrower, property, lender, loan program, and state. Not all products or programs are available in all states. All loans are subject to lender underwriting and approval. Equal Housing Opportunity.