Disclaimers
Published Last updated
Important disclosures about down payment assistance programs, the estimates shown on this site and the limits of the information we publish.
Published Last updated
- Reviewed September 2026
Government affiliation
Simply Approved Mortgages LLC is not affiliated with, endorsed by, or acting on behalf of the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), the Consumer Financial Protection Bureau (CFPB), any state housing finance agency, or any other government agency. This website is not approved or endorsed by any government agency.
Not an offer of credit
This is not a commitment to lend. All loans are subject to credit, income, property, title and appraisal review and to program guidelines set by the investor, the insurer and the funding lender. Rates, fees, program terms and product availability change without notice and vary by borrower, property, occupancy, credit profile and state.
Third-party assistance programs
Down payment assistance programs described on this site are administered by third parties — state housing finance agencies, cities, counties, Federal Home Loan Banks, employers and lenders. We do not administer, control, fund or guarantee any third-party program. Publishing a program is not an offer of that program, not a statement that funding is currently available and not a determination that you qualify. Eligibility, income limits, purchase-price limits, education requirements, funding availability and participating-lender requirements change frequently and must be confirmed with the administering agency before you rely on them.
Assistance structured as a lien is secondary financing that must be repaid or forgiven under the terms of that lien. Repayment, forgiveness schedules, recapture on sale or refinance, and subordination rules are set by the administering agency, not by us.
Finder results, calculators and property data
Assistance amounts, payments, cash-to-close figures and program matches shown on this site are illustrative estimates based on the inputs you provide and on published program information. They are not quotes, rate locks, approvals or commitments. Where you provide a listing link, property details and any value or rent figure may come from the listing page or from a third-party automated valuation model such as RentCast; those figures are estimates, not appraisals, and are not an offer on any property.
Data sources and refresh timing
Loan limits, income limits, market rates and county data on this site are refreshed from primary sources such as HUD, HUD USER, FHFA, the Federal Reserve (FRED) and the Census Bureau on a published schedule. Between refreshes an agency may change a figure before it appears here. Each page shows when it was updated, when it was reviewed and when its data was last refreshed. See our data and verification page.
Examples and scenarios
Any scenario, example or sample buyer on this site is illustrative. Your result depends on your income, credit, county, loan program, property and the assistance program you use.
Equal Housing Opportunity
Simply Approved Mortgages LLC is an Equal Housing Opportunity brokerage. We do business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, familial status, disability, age, or because income comes from a public assistance program.
Consent to be contacted (TCPA)
When you submit our assistance finder, a calculator, the lead form or any contact form, you provide express written consent for Simply Approved Mortgages LLC and its agents to contact you at the phone number(s) and email address(es) you provide — including a wireless number — by live call, prerecorded or artificial voice, SMS/MMS text, email and AI-assisted voice, chat and follow-up, even if your number is on a Do Not Call registry. Consent is not a condition of any purchase. You may opt out at any time by replying STOP to any text, clicking unsubscribe in any email, using our contact form or calling 877-813-7219. See our Privacy Notice for full details.
AI-assisted content and human review
Portions of this site may be produced or assisted by artificial intelligence. AI tools can make mistakes, produce outdated figures or misunderstand your situation. AI output is not a source of truth and is never a substitute for a licensed loan officer, a HUD-approved housing counselor or the administering agency. Material AI-assisted content is held for human review before publication, but review is a good-faith process, not a guarantee.
Use at your own risk and limitation of liability
Your use of this site and its tools is at your sole risk and all content is provided "as is" without warranties of any kind. To the maximum extent permitted by law, Simply Approved Mortgages LLC and its officers, employees, agents and affiliates are not liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or any loss of profits, revenue, data or use, arising out of or relating to your use of this site, our tools or any information provided — including errors, inaccuracies or omissions in any program listing, estimate or AI-assisted material, whether or not reviewed.
Contact us
- Email: support@simplyapprovedmortgages.com
- Phone: 877-813-7219
- Head office: 633 W 5th St Ste 2600, Los Angeles, CA 90071
- Florida branch office: 1221 Brickell Ave, Suite 954, Miami, FL 33131 — Branch NMLS #2688012
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.
Florida advertising disclosure (Chapter 494, Florida Statutes): Simply Approved Mortgages LLC, Florida Mortgage Broker License #MBR7685, NMLS #2620881, is a licensed Florida mortgage broker regulated by the Florida Office of Financial Regulation and is not a lender. Any rate, payment, down payment or down payment assistance figure shown on this page is an illustrative estimate for educational purposes only — it is not a quote, rate lock, offer or commitment to lend, and it is not an advertisement of specific credit terms available to any particular borrower. Down payment assistance is a third-party program subject to its own eligibility, income, property and availability requirements. All loans are subject to lender underwriting and approval. Simply Approved Mortgages LLC is not affiliated with, approved by or endorsed by HUD, FHA or any government agency. Equal Housing Opportunity.