Mortgage broker · Florida & Colorado
Home Loans, Mortgage Rates & Refinancing Made Simple
Simply Approved Mortgages helps homebuyers, homeowners, and real estate investors explore home loans, compare mortgage rates, and find refinancing solutions. Discover FHA, VA, conventional, jumbo, DSCR, and other mortgage options based on your financing needs and eligibility.
Unlocking the American Dream, One Home at a Time.
Simply Approved Mortgages LLC · NMLS #2620881 · Equal Housing Opportunity
SAM is an AI assistant — educational only, not a quote, approval, or commitment to lend.
Simply Approved Mortgages is a mortgage broker (NMLS #2620881), not a direct lender. We arrange residential home loans — including FHA, VA, conventional, jumbo and home equity — for borrowers in Florida and Colorado through third-party lenders, and generally use 1.5% lender-paid compensation on eligible residential loans.
Start here
How can we help?
Investment property loans are business-purpose loans and may be available in additional states where permitted by law.
Rates
Today's mortgage rates
Rates depend on your credit, down payment, property and program. Check current pricing for your scenario.
Conventional
Loading market benchmark… Check current conventional pricing instead.
Check conventional rates →FHA
FHA pricing is scenario-based. We don't show a generic FHA rate here — see how pricing works and request figures for your situation.
Check FHA rates →VA
VA pricing is scenario-based. We don't show a generic VA rate here — see how pricing works and request figures for your situation.
Check VA rates →Figures are illustrative — not a quote, lock, offer, or commitment to lend. APR and terms vary; binding figures appear on your Loan Estimate.
Pricing snapshot
Live ratesLive pricing. Rates are retrieved from our pricing provider when you run a scenario.Today's Mortgage Rate Options at a Glance
Four real options from today's wholesale pricing for one documented sample scenario per program — no form needed. Updated twice each business day, about 10 AM and 2 PM Eastern. Your own rate depends on your credit, down payment, property, state and lock date.
Live pricing tool
Live ratesLive pricing. Rates are retrieved from our pricing provider when you run a scenario.Check Mortgage Rates for Your Scenario
Pick a loan program and enter your numbers to see live pricing for Florida and Colorado. Figures are illustrative and not a quote, lock, offer, or commitment to lend; binding figures appear on your Loan Estimate.
Government
Conventional & Jumbo
Home equity
Self-employed & investor
FHA mortgage pricing tool
Live ratesLive pricing. Rates are retrieved from our pricing provider when you run a scenario.Enter your scenario to see live wholesale FHA pricing available to Simply Approved Mortgages for Florida and Colorado primary residences. Every figure shown comes from our pricing provider for the scenario you enter — nothing is estimated.
Pricing shown is based on the scenario entered and wholesale pricing available at the time of the search. It is not a rate lock, loan approval, commitment to lend, or guarantee of terms. Rates and pricing change frequently and expire. Your actual rate, APR, payment, and costs depend on a complete application, verified credit and income, property and appraisal review, and lender underwriting approval. Binding figures appear on your Loan Estimate.
Simply Approved Mortgages LLC is not affiliated with, acting on behalf of, or endorsed by the U.S. Department of Housing and Urban Development (HUD), the Federal Housing Administration (FHA), the U.S. Department of Veterans Affairs (VA), or any other government agency.
Simply Approved Mortgages LLC | NMLS #2620881 is a mortgage broker and is not a direct lender. Equal Housing Opportunity.
Scenarios this tool does not price
- FHA 203(k) renovation and one-time-close construction pricing (submit these scenarios to a loan officer).
- Non-owner-occupied and HUD REO $100-down scenarios.
- Adjustable-rate FHA pricing (the tool prices fixed-rate terms only).
Compare
Compare, don’t guess.
See mortgage options side by side and understand the trade-offs between rate, APR, points, lender credits, fees, payment and terms. A Simply Approved Mortgages Loan Officer prepares the comparison from real lender scenarios for your situation.
- Interest rate
- APR
- Points
- Lender credits
- Estimated payment
- Cash to close & key fees
No option is ranked as “best” for everyone. Figures are illustrative until a lender issues your Loan Estimate; they are not a quote, lock, offer or commitment to lend.
How it works
Three simple steps
- 1Tell us your goalBuying, refinancing or tapping equity — pick where you are starting.Choose a goal →
- 2Compare your optionsReview rate, APR, costs and terms side by side before you decide.Compare My Options →
- 3Work with a Simply Approved Mortgages Loan OfficerGet guidance through documents, lender underwriting and closing.Start My Approval →
Loan programs
Find the right mortgage
The most common starting points. A Simply Approved Mortgages Loan Officer helps you compare.
FHA Loans
Government-insured option with a low minimum down payment and flexible credit guidelines.
Learn more →Conventional Loans
A common fit for buyers with steady credit, from low down payment to 20% or more.
Learn more →First-Time Buyer & Down Payment Help
State and local assistance programs that can help with down payment and closing costs.
Learn more →HELOC & Home Equity
Borrow against the equity you have built while keeping your current first mortgage.
Learn more →Free tools
Run the numbers
Calculator results are estimates for planning only, not a quote or commitment to lend. More calculators are in the Rates & Calculators menu.
Ask Sam AI
Not sure where to start? Ask Sam.
Get plain-English answers drawn from the reviewed guides on this site, with links to government sources. Educational only — it doesn't quote rates or approvals; a Simply Approved Mortgages Loan Officer reviews every scenario.
Hi, I'm SAM — an AI assistant for Simply Approved Mortgages. I can explain loan programs, closing costs, DTI, down payments and which calculator or guide to use. I'm not a licensed loan officer, and nothing here is a quote, approval or commitment to lend.
Why Simply Approved
A broker that works for your scenario
A mortgage broker
We arrange loans through third-party lenders rather than lending our own money.
Multiple lender options
We compare programs across lenders to look for a fit for your goals.
Clear compensation
We explain how we are paid before you choose a loan.
Technology + people
Online tools and Ask Sam AI, backed by a Simply Approved Mortgages Loan Officer.
How we get paid
A transparent approach to broker compensation
On eligible residential loans, Simply Approved Mortgages generally uses a 1.5% lender-paid compensation structure. The lender pays our broker compensation under its compensation agreement with us, rather than you paying broker compensation directly to us at closing.
A straightforward compensation approach is part of our goal of making mortgage pricing easier to understand and helping people navigate homeownership.
Compensation alone does not determine what a loan costs. Compare rate, APR, points, lender credits, fees, payment and terms together.
On an eligible residential loan, our compensation is generally 1.5% paid by the lender — about $6,000 on this amount.
Why it matters to you: this amount is set in advance and doesn't go up if you choose a higher rate, so our advice stays focused on the loan that fits your goals.
Illustrative only — not a quote, offer, or commitment to lend. Lender-paid does not mean free; compensation is part of the loan's pricing and rates, APR, and fees vary. How we get paid
Good to know
Lender-paid compensation is part of how the loan is priced. It does not mean the loan is free of costs.
Rate, APR, points, lender credits, fees and eligibility vary by lender, program and scenario. Your Loan Estimate and Closing Disclosure control.
Compare loan officer compensation on your mortgage quote
Loan officer compensation is part of the cost of a mortgage. On eligible residential loans, Simply Approved Mortgages generally uses 1.5% lender-paid compensation. Enter the compensation shown on another lender's Loan Estimate to see the difference in dollars.
Compensation difference on this illustration: $3,750.
How lower compensation can help you
When less compensation is built into pricing, there can be room for a lower interest rate, which may lower your monthly payment.
Depending on the rate you choose, pricing can sometimes include a lender credit toward third-party closing costs, so you may bring less cash to closing.
A lower rate means a lower monthly payment, which can lower your debt-to-income ratio and may help you qualify for more home on the same income.
As a mortgage broker we compare pricing from wholesale lenders instead of offering a single bank’s retail pricing.
Tip: On page 2 of your Loan Estimate, look at Section A, "Origination Charges." If the lender pays the loan officer, that compensation usually does not appear there as its own line; it is built into the interest rate. That is why comparing the rate and any lender credits side by side matters.
Already have a Loan Estimate from another bank or broker? Share it with a Simply Approved Mortgages Loan Officer, who will compare the rate, fees and credits side by side with options we can arrange. No cost to request a review.
Illustration only — not a quote, lock, offer, or commitment to lend; binding figures appear on your Loan Estimate. Lender-paid compensation is paid by the lender, not directly by you, and is part of the loan's pricing, so the loan is not free of costs. A lower compensation figure does not by itself guarantee a lower rate or lower closing costs; individual results vary by credit, loan type, property and market conditions. Residential lending in FL and CO only. Simply Approved Mortgages LLC · NMLS #2620881 · Equal Housing Opportunity.
Where we lend
Home loans in Florida and Colorado
We arrange residential mortgage loans in Florida and Colorado.
Florida
Buying, refinancing and first-time buyer programs across Florida.
Colorado
Buying, refinancing and first-time buyer programs across Colorado.
Business-purpose investment loans may be arranged in additional states only where permitted by applicable law and licensing requirements or exemptions. See business-purpose availability.
Explore the full guide
Helpful guides
A few good places to go next.
Guide
Mortgage Pre-Approval
What lenders review and the documents to gather.
Read the guide →Guide
FHA vs. Conventional Loans
How the two most common programs compare.
Read the guide →Guide
Cash-Out Refinance vs. HELOC
Two ways to use home equity, side by side.
Read the guide →Guide
Mortgage Blog
Recent articles on buying, refinancing and rates.
Read the guide →Mortgage broker questions, answered
What does a mortgage broker like Simply Approved Mortgages do?
A mortgage broker compares loan programs from multiple third-party lenders and arranges the loan for you. Simply Approved Mortgages LLC is a mortgage broker, not a direct lender; all loans are subject to lender underwriting and approval.
Where does Simply Approved Mortgages arrange home loans?
We arrange residential mortgage loans in Florida and Colorado. Business-purpose investment loan products may be arranged in additional states only where permitted by applicable law and licensing requirements or exemptions.
Which home loan programs can I explore?
Common options include FHA, VA, conventional, jumbo, down payment assistance and home equity (HELOC) loans. Eligibility, terms and availability vary by borrower, property, lender and program.
How do I start a mortgage pre-approval?
Use Start My Approval to share your goals and basic information. A Simply Approved Mortgages Loan Officer reviews your scenario and explains the documents a lender will need. A pre-approval is not a commitment to lend.
Are the rates on this page a quote?
No. Any rate figure shown here is a published market benchmark for context, not a quote, lock, offer or commitment to lend. Your actual terms appear on your Loan Estimate.
How is Simply Approved Mortgages paid?
On eligible residential loans we generally use 1.5% lender-paid compensation: the lender pays our broker compensation under its agreement with us. It is part of the loan’s pricing, so the loan is not free of costs; rates, APR, points, credits and fees vary.
Trusted government resources
These independent government resources can help you research mortgage programs, rates, and your rights before you apply.
HUD.gov
Buying a Home — official guide
FTC Consumer Advice
Shopping for a Mortgage — FAQs
CFPB
Explore Interest Rates tool
Simply Approved Mortgages is not affiliated with HUD, the CFPB, the FTC, the VA, or any other government agency. Links are provided for your independent verification.
