Partner with us on down payment assistance files
Published Last updated
We work with agents, builders and housing counselors on down payment assistance purchases in Florida and Colorado, the only states where Simply Approved Mortgages LLC is licensed to arrange residential mortgage loans. The value we add is certainty: your buyer is screened against real program rules before an offer is written, and the timeline you are quoted is the timeline the program actually needs.
Quick answer: How can agents and partners use this?
Real estate agents, nonprofits and CRM users can use the assistance finder as an embedded tool, so a buyer can see which programs match before an offer is written. Partners in Florida and Colorado can also refer the first mortgage; elsewhere the tool is available as an educational resource.
TL;DR
- The finder embeds in partner sites and CRMs.
- Program data is the same data our loan officers use.
Quick questions
- Is the embed free?
- Yes, for partners we work with. Contact us for the embed code.
Published Last updated
- Reviewed September 2026
For real estate agents
The reason assisted offers get rejected is uncertainty, not the assistance itself. Everything below exists to remove that uncertainty before your buyer writes.
- Pre-offer program screening: whether the buyer qualifies, which program, and what the award actually is.
- Purchase-price and property-type screening on a specific listing before an offer goes in.
- A pre-approval letter that names the program and the reserved allocation, so listing agents can see it is real.
- Honest timeline expectations up front — usually 45 days rather than 30.
- Buyer education on repayment structure, so nobody is surprised by a silent second at closing.
For builders and new construction
New construction and assistance can work together, but the constraints are specific and worth knowing before a contract is signed.
- Purchase-price caps are the usual blocker; we screen a price list against the current caps.
- Long build timelines conflict with reservation windows on many programs — the sequencing matters.
- Some programs restrict or exclude certain property types; we confirm before the buyer commits.
- Assistance can be layered with builder incentives, but the combined seller contribution has limits.
For housing counselors and nonprofits
HUD-approved counseling agencies and community organisations refer buyers who have completed education and need a lender who will actually run the program.
- We accept the standard education certificates that programs require.
- Buyers who are not ready get a written reason and a plan, not a silent decline.
- Our program directory and change log are public, so counselors can verify what we tell a buyer.
- We flag program changes we discover so the public change log stays useful to everyone.
How a referral works
No portal, no contract, no fee. Referral arrangements comply with RESPA: nothing of value changes hands for referrals.
- 1
Send the buyer's basics
Name, target county, rough price and income range are enough to screen.
- 2
We screen against live programs
You get a written answer on which programs are realistic and what the award looks like.
- 3
Pre-approval with the program named
So the listing agent can see the file is documented, not hopeful.
- 4
You get status updates at each milestone
Reservation, compliance review, education certificate, clear to close.
Partner questions
Do assistance files take longer to close?
They take longer to set up and about the same time to close. The reservation, the agency compliance review and the education certificate all sit at the front of the file, so a 45-day contract is normal rather than 30.
Which states can you take referrals in?
Simply Approved Mortgages LLC is licensed to arrange residential mortgage loans in Florida and Colorado only. We cannot accept applications or loan inquiries for properties in any other state.
Can you tell an agent whether a listing works for a program?
Yes. Purchase-price caps, property type and occupancy rules are published for every program, so a listing can be screened against them before an offer is written.
Start a referral
Send the buyer's basics and we will come back with which programs are realistic.
Which state are you buying in?
Assistance is awarded by state, county and city — location is the single biggest filter.
Simply Approved Mortgages LLC arranges residential mortgage loans in Florida and Colorado only. We ask first so we never collect a mortgage inquiry we are not licensed to act on.
This tool is an educational research aid. It does not determine eligibility, and does not confirm that any program currently has funds. Program rules are set and changed by the administering agencies.
See your own numbers
Free tools using current stored limits and your inputs. Estimates are educational, not loan offers.
- DPA calculatorEstimate how assistance could change your cash to close.Open tool
- Eligibility checkAnswer a few questions to see which program types may fit.Open tool
- County loan limit finderLook up the current FHA and conforming limit for your county.Open tool
Want a personalized quote?
Buying in Florida or Colorado? Request a scenario review from a licensed mortgage broker.
October 2026 DPA Partner Program Review
We reviewed Florida Housing and CHFA lender bulletins, program reservation and compliance timelines and published purchase-price and income limits 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: Florida Housing and CHFA lender bulletins
- Checked: program reservation and compliance timelines
- Checked: published purchase-price and income limits
This page's scheduled monthly review is overdue. The section above reflects our latest completed review, not a new one for the current month.
Current data & page updates
- Page last reviewed
- September 27, 2026
- Page last substantively updated
- September 27, 2026
- Next scheduled review
- October 27, 2026
- Current monthly review
- October 2026
- Live data feed
- No
This page is past its scheduled review date and is queued for the next review cycle.
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.