Terms & Conditions
Published Last updated
These Terms govern your use of this Simply Approved Mortgages down payment assistance website and any finder, calculator, program listing or form provided on it. By using the site you agree to these Terms.
Published Last updated
- Reviewed September 2026
1. Acceptance of terms
By accessing or using this website you agree to be bound by these Terms and by our Privacy Notice. If you do not agree, do not use the site.
2. Educational information only
Content on this site is general education about down payment assistance (DPA) programs, first mortgages that pair with them, and the agencies that administer them. It is not legal, tax, financial or accounting advice. Consult a qualified professional before making a decision about a mortgage or an assistance program.
3. No offer of credit and no program guarantee
Nothing on this site is an offer to lend, an approval, a commitment to lend, a rate lock or a guarantee of loan or program terms. All loans are subject to lender underwriting and approval. Down payment assistance programs are administered by third parties — state housing finance agencies, cities, counties, Federal Home Loan Banks, employers and lenders. Listing a program is not an offer of that program, not a statement that funding is currently available and not a determination that you qualify.
4. Finder results and calculator estimates
Program matches, assistance amounts, payment figures and cash-to-close numbers shown by our finder or calculators are illustrative estimates based on the inputs you provide and on program information published by the administering agency at the time we last verified it. Program terms, income limits, purchase-price limits, funding availability and participating-lender requirements change frequently and must be confirmed with the administering agency.
5. Your submissions and consent to be contacted
You represent that information you submit is true, accurate and your own, and that you are at least 18 years old. By submitting the assistance finder, a calculator, the lead form or any contact form on this site, you provide express written consent for Simply Approved Mortgages LLC and its agents, service providers and lending partners 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 or follow-up, for any purpose related to your inquiry, application and down payment assistance options, even if your number is on any federal, state, corporate or internal Do Not Call registry. Consent is not a condition of any purchase or service. Message and data rates may apply. 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. Submitting a form does not authorize a credit inquiry; any credit inquiry requires your separate authorization.
6. Third-party links and tools
This site links to and uses third-party resources — HUD, HUD USER, FHFA, the Federal Reserve (FRED), the CFPB, the Census Bureau, state housing finance agencies, NMLS Consumer Access, listing sites and RentCast, among others. We are not responsible for the content, accuracy, availability or privacy practices of any third-party site or tool.
7. Intellectual property
All content, design, code, images and trademarks on this site are owned by Simply Approved Mortgages LLC or its licensors and are protected by U.S. and international intellectual property laws. You may not copy, reproduce or redistribute site content without written permission.
8. Use at your own risk and disclaimers
YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TIMELINESS OR NON-INFRINGEMENT.
No professional relationship. Nothing on this site creates a client, advisory, fiduciary, attorney-client or lender-borrower relationship between you and Simply Approved Mortgages LLC. Educational content, program listings and estimates are general information, not individualized advice.
AI-assisted content. Portions of this site and our follow-up communications may be produced or assisted by artificial intelligence. AI output can contain errors, inaccuracies or omissions and is not a source of truth. Material AI-assisted content is held for human review before publication, but human review is a good-faith process and not a guarantee of accuracy. TO THE MAXIMUM EXTENT PERMITTED BY LAW WE DISCLAIM ALL LIABILITY FOR ERRORS, INACCURACIES OR OMISSIONS IN AI-ASSISTED CONTENT, WHETHER OR NOT REVIEWED.
9. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, SIMPLY APPROVED MORTGAGES LLC AND ITS AFFILIATES, OFFICERS, EMPLOYEES AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA OR EQUITY, ARISING FROM YOUR USE OF — OR INABILITY TO USE — THE SITE, OR RELIANCE ON ANY PROGRAM LISTING, TOOL OR ESTIMATE PROVIDED HERE. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE IS TO STOP USING IT.
10. Indemnification
You agree to indemnify and hold harmless Simply Approved Mortgages LLC, its officers, employees and agents from any claims arising out of your use of the site or violation of these Terms.
11. Arbitration and class-action waiver
To the maximum extent permitted by law, you and Simply Approved Mortgages LLC agree that any dispute, claim or controversy arising out of or relating to this site or these Terms shall be resolved by final and binding individual arbitration, and that each party waives any right to participate in a class, collective or representative action. Nothing here prevents either party from bringing an individual claim in small-claims court or from filing a complaint with a regulator.
12. Governing law and venue
These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Subject to Section 11, any dispute not subject to arbitration shall be resolved exclusively in the state or federal courts located in Los Angeles County, California, and you consent to personal jurisdiction there.
13. Severability, changes and entire agreement
If any provision of these Terms is held unenforceable, the remaining provisions remain in full force. These Terms, together with our Privacy Notice, Disclaimers and Disclosures & Licensing page, constitute the entire agreement between you and Simply Approved Mortgages LLC regarding this site. We may update these Terms at any time; continued use after changes constitutes acceptance.
14. 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
- Or use our contact form.
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.