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Reach a licensed Simply Approved Mortgages loan officer by phone, email or the contact form.

Loan officer taking a home buyer's call about Florida and Colorado assistance programs
Illustrative photo. Down payment assistance terms are set by each administering agency, not by Simply Approved Mortgages.

Send us a message

Fill out the form below and a licensed loan officer will get back to you within one business day.

By checking this box and submitting this form, I provide my express written consent to receive calls and messages from or on behalf of Simply Approved Mortgages LLC (NMLS #2620881) at the telephone number(s) and email address(es) I provide, including for marketing and telemarketing purposes. Communications may be made using live agents, an automatic telephone dialing system or other automated technology, prerecorded or artificial voice messages, AI-generated or AI-assisted voice technology, SMS/MMS text messages, and email, even if my telephone number is listed on a state or federal Do Not Call registry.

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My consent to receive automated, prerecorded, artificial-voice, AI-generated, or marketing communications is not a condition of purchasing any property, good, or service, applying for a mortgage, or receiving mortgage services or information from Simply Approved Mortgages LLC. I may revoke my consent at any time.

All loans are subject to applicable lender underwriting, eligibility requirements, and approval.

Equal Housing Opportunity. See our Privacy Notice.

Our offices

Visit us by appointment, or reach us any time through the contact form. Simply Approved Mortgages LLC arranges residential mortgage loans in Florida and Colorado only — an office location is not a representation of licensing in any other state.

Head Office

Simply Approved Mortgages LLC

633 W 5th St Ste 2600Los Angeles, CA 90071

NMLS #2620881

Florida Branch Office

Simply Approved Mortgages

1221 Brickell Ave, Suite 954Miami, FL 33131

Branch NMLS #2688012 · Company NMLS #2620881

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.

Verify our license on NMLS Consumer Access

DPA amount calculator and eligibility checker

Estimate your assistance amount, the second-lien payment and where you stand against the program rules. Illustrative only — not a quote, offer or commitment to lend.

Simply Approved Mortgages DPA

DPA amount calculator & eligibility checker

Estimate 3.5% assistance on the lesser of price or appraisal, layered over a 30-year fixed FHA first mortgage.

Estimated DPA
$14,000
3.5% of $400,000
2nd-lien P&I
$174
10-yr · 8.500%

Amount calculator

Assistance tier
Lesser of price or appraisal
$400,000
DPA at 3.5%
$14,000
2nd-lien term
10-year fixed, repayable
2nd-lien rate
8.500%
Monthly P&I
$174/mo

Illustrative only — not a quote, lock, offer, or commitment to lend. Binding figures appear only on your Loan Estimate and Closing Disclosure.

Eligibility checker

Documentable qualifying income?

Willing to complete homebuyer education before closing?

Property in NY, WA, USVI, Guam, MP, or AS?

Answer each question above to see your preliminary result.

Talk to a Loan Officer →

Preliminary self-check only. Not a quote, lock, offer, or commitment to lend. Simply Approved Mortgages is not affiliated with HUD, FHA, VA, USDA, FHFA, or any government agency. Equal Housing Opportunity. NMLS# 2620881.

Keep reading

Related pages on down payment assistance, local markets and the numbers behind each program.

Simply Approved Mortgages In-House DPA

Our own down payment assistance program — up to 5% toward your primary home

Simply Approved Mortgages LLC · NMLS# 2620881

In addition to matching you with agency programs, we offer our own assistance program, provided through our wholesale lender partner and arranged by Simply Approved Mortgages: up to 5% of the lesser of the purchase price or appraised value, structured as a repayable 10-year fixed second mortgage on a qualifying primary residence. It layers with FHA 203(b) or FHA 203(k) purchase first mortgages only, and the second lien is priced at the first-mortgage rate plus 2.00%. It is fully amortizing — not a grant and not forgivable — so your Loan Officer will show a side-by-side comparison before you commit.

Offered through our wholesale lender partner
Up to 5% of the lesser of purchase price or appraised value
Repayable 10-year fixed second mortgage
Layers with FHA 203(b) or FHA 203(k) purchase first mortgages
Second-lien rate = first-mortgage rate + 2.00%
Fully amortizing — not a grant and not forgivable
Qualifying primary residence only
See if you qualifyTalk to a Loan Officer

Program at a glance

Assistance
Up to 5%
Where
FL & CO*
Min credit
580
First-time buyer
Not required

*Our wholesale lender partner offers this product nationwide, but Simply Approved Mortgages LLC is licensed to arrange residential mortgage loans in Florida and Colorado only, so we can originate it in those two states only. Outside Florida and Colorado this is educational information and you should work with a lender licensed in your state.

How it works

1. Find the assistance you qualify for

Answer ten short questions and our DPA matching tool screens your location, income, price range, credit band and first-time buyer status against every state, county and city program we track.

2. A licensed loan officer reviews it with you

A Simply Approved loan officer confirms which programs your file can actually use, how each one is structured, and what it means for your monthly payment and closing costs.

3. Pair assistance with your first mortgage

Assistance is delivered through an approved first mortgage. We arrange the FHA, conventional, VA or USDA loan underneath it and reserve the assistance funds once you are under contract.

4. Funds arrive at closing

The assistance is wired to the closing agent and applied to your down payment and, where the program permits, closing costs — so your own savings stay where they belong.

Repayment: The second lien is a recorded lien with a monthly payment that is underwritten into your debt-to-income ratio. Layered DPA affects your final rate and mortgage insurance; your Simply Approved Mortgages Loan Officer will disclose the side-by-side comparison before you commit. Program terms, income limits, funding availability and eligibility requirements are subject to change without notice and must be confirmed in writing. Nothing here is an offer of credit, an approval, or a guarantee of eligibility, funding or any particular term. All loans are subject to lender underwriting and approval. Equal Housing Opportunity.

Free monthly briefing

Down payment assistance changes fast. Stay ahead of it.

New funding rounds, closed programs, and updated income and price limits for Florida and Colorado buyers — in one short email each month.

Licensing notice: Simply Approved Mortgages LLC arranges residential mortgage loans in Florida and Colorado only. The briefing and this website are educational content — not an offer, solicitation, advertisement of credit terms or commitment to lend, and no mortgage services are offered in states where we are not licensed.

Expert Insight

A licensed loan officer reviews every scenario

Assistance eligibility depends on documented income, household size, credit and the property itself. We review those against the specific program before recommending it, because a reservation made on the wrong assumption has to be unwound.

Takeaway: Bring your income documents to the first conversation to get an accurate answer.

The only way to know which program, down-payment structure, and closing-cost strategy actually fits your file is to walk through it with a Simply Approved Mortgages Loan Officer who can compare the real numbers side-by-side on a Loan Estimate.

Commentary from the Simply Approved Mortgages Team at Simply Approved Mortgages LLC, NMLS #2620881. Verify on NMLS Consumer Access