Editorial Standards
Published Last updated
Every program page, guide and calculator on this site follows the same sourcing, review and correction process. This page explains it so you can judge how much weight to give what you read here.
Published Last updated
- Reviewed September 2026
Who writes and reviews this content
Content is written and reviewed by the Simply Approved Mortgages Team at Simply Approved Mortgages LLC, NMLS #2620881, a licensed mortgage broker arranging residential loans in Florida and Colorado. We publish only credentials that can be verified on NMLS Consumer Access.
Source hierarchy
We use sources in this order and cite the highest one available:
- Tier 1 — the administering agency. The state housing finance agency, city, county, Federal Home Loan Bank or lender that actually runs the program: its program guide, term sheet, income and purchase-price limit tables, and lender bulletins.
- Tier 2 — federal primary data. HUD and HUD USER (FHA loan limits, income limits), FHFA, the Federal Reserve (FRED), the Census Bureau, CFPB and HMDA.
- Tier 3 — investor and insurer guidelines. FHA Handbook 4000.1, VA, USDA, Fannie Mae and Freddie Mac selling guides.
- Never a source of record: other blogs, aggregator sites, forums, social posts or AI output.
Program verification
Each assistance program in our directory carries a verification record: the source URL we checked, who checked it and when. Programs enter a review queue on a rolling schedule and when our source-watch job detects that an agency page changed. A program whose funding status we cannot confirm is labeled as unconfirmed rather than presented as available.
Dates you see on every page
We keep three separate signals and never blur them:
- Updated — the date the page's substantive content changed.
- Reviewed — the date a person re-read the page and confirmed it still holds, even if nothing changed.
- Data refreshed — the date the underlying figures (limits, rates, county data) were last pulled from their source.
A monthly review never backdates or fakes an "updated" date. If nothing changed, the page says so honestly instead of inventing news.
AI-assisted drafting policy
We may use AI tools to draft outlines, summarize public agency documents or improve readability. AI is never the source of a number, a program rule, a limit or a legal statement. Every figure is traced back to a primary source and every material page is reviewed by a person before publication. AI output can be wrong or outdated, so we treat it as a draft, never as evidence.
Compliance comes before SEO
Where a marketing, ranking or conversion goal conflicts with a licensing or advertising rule, the compliance rule wins. We do not publish rate or payment claims as offers, do not imply licensing in states where we are not licensed, and do not describe repayable assistance as free money. Uncertain legal questions are escalated for human review rather than guessed.
Independence and how we make money
Simply Approved Mortgages LLC earns broker compensation on loans that close, disclosed on your Loan Estimate. Program listings are not paid placements. No agency, lender or sponsor pays to appear in, or to be ranked higher in, our assistance directory, and no editorial decision is conditioned on a business relationship.
Corrections
If you spot something wrong — an outdated limit, a closed program, a broken agency link — tell us and we will verify it against the administering agency and correct it. Material corrections update the page's "Updated" date. Report an issue through our contact form, the flag link on any program page, or support@simplyapprovedmortgages.com.
What this content is not
Nothing here is legal, tax or investment advice, an offer of credit, an approval, or a determination that you qualify for any assistance program. Confirm program terms with the administering agency and speak with a licensed loan officer or a HUD-approved housing counselor before acting.
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.