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Este resumen en español explica qué información recopilamos en este sitio, cómo la usamos y qué control tiene usted sobre ella.

Versión que rige legalmente

Esta traducción al español se ofrece únicamente por conveniencia. La versión en inglés de nuestras divulgaciones, licencias, términos y documentos del préstamo es la versión que rige legalmente. La solicitud hipotecaria, las divulgaciones federales requeridas y los documentos de cierre se proporcionan en inglés.

Privacy Policy (English — controlling version)

Qué recopilamos

Recopilamos la información que usted nos envía en nuestros formularios: nombre, correo electrónico, teléfono, estado y ciudad, y los datos que comparte sobre su situación de compra (precio estimado, ingresos del hogar, tamaño del hogar, ahorros disponibles y si es comprador por primera vez). También registramos la página desde la que envió el formulario, la fecha y la hora, y el texto del consentimiento que aceptó.

Registramos datos técnicos básicos de uso del sitio (páginas vistas y origen de la visita) para entender qué contenido resulta útil.

Cómo la usamos

Usamos su información para responder a su consulta, identificar programas de asistencia que podrían corresponderle y comunicarnos con usted sobre su solicitud, tal como lo autorizó al enviar el formulario.

No vendemos su información. La compartimos únicamente con los proveedores que necesitamos para operar (correo electrónico, nuestro sistema de gestión de clientes y, cuando usted avanza con una solicitud, el prestamista mayorista correspondiente), y cuando la ley lo exige.

Sus opciones

Puede cancelar las comunicaciones de marketing en cualquier momento con el enlace de cancelación de suscripción que aparece en cada correo, o respondiendo STOP a nuestros mensajes de texto. Cancelar el marketing no detiene las comunicaciones necesarias sobre una solicitud en curso.

Para solicitar una copia de su información o su eliminación, escríbanos a leads@simplyapprovedmortgages.com.

Estados donde no tenemos licencia

Si usted indica un estado donde no tenemos licencia, no le enviamos comunicaciones de marketing hipotecario. Su información se conserva únicamente como registro de su interés, por si en el futuro obtenemos licencia en su estado, y puede pedirnos que la eliminemos.

Licencias y divulgaciones

Simply Approved Mortgages LLC | NMLS #2620881

Florida Mortgage Broker License #MBR7685 | Colorado Mortgage Company Registration

Simply Approved Mortgages LLC es un corredor hipotecario (mortgage broker) y no es un prestamista directo. Gestionamos préstamos hipotecarios residenciales en Florida y Colorado.

La elegibilidad, los términos, las condiciones y la disponibilidad varían según el prestatario, la propiedad, el prestamista, el programa de préstamo y el estado. No todos los productos o programas están disponibles en todos los estados. Todos los préstamos están sujetos a la evaluación y aprobación del prestamista. Igualdad de Oportunidad en la Vivienda.

Esta traducción al español se ofrece únicamente por conveniencia. La versión en inglés de nuestras divulgaciones, licencias, términos y documentos del préstamo es la versión que rige legalmente. La solicitud hipotecaria, las divulgaciones federales requeridas y los documentos de cierre se proporcionan en inglés.

Verifique nuestra licencia en 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

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.

Comentario de nuestro equipo

Comentario del equipo de Simply Approved Mortgages, publicado en inglés.

We collect only what a mortgage file requires

Information submitted through our forms is used to evaluate a mortgage scenario and to contact the buyer about it. We do not sell contact details, and assistance eligibility questions are asked because the administering agencies require the answers.

Takeaway: Ask any lender exactly how your information will be used before submitting it.

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