Published Last updated
Alimony and Child Support Income for a Mortgage
Court-ordered support payments can count toward your mortgage qualifying income when they are properly documented and expected to continue.
Alimony, child support, and separate maintenance payments can generally count as qualifying income when you provide the divorce decree, separation agreement, or court order and show a consistent history of receiving the payments. Most loan programs also require the income to be expected to continue for a set period, often at least three years from application.
- ✓A divorce decree, separation agreement, or court order is generally required to document the payment amount.
- ✓Most programs want to see a consistent history of receiving the payments, often the most recent months.
- ✓The income typically needs to be expected to continue for at least three years to be counted.
- ✓You are never required to disclose alimony or child support income if you prefer not to use it.
- ✓Inconsistent or about-to-expire support payments are usually excluded from qualifying income.
What this means for you: documented, consistent, and continuing support payments can strengthen your application, but sporadic or ending payments generally cannot be used.
Written by
Simply Approved Mortgages Team
Licensed Loan Officers · NMLS# 2620881
Get your personalized scenario summary
Complete the short request and a Simply Approved Mortgages Loan Officer sends back a written summary built from your own numbers: estimated payment breakdown, estimated cash to close, the loan structures that fit your file, and what documentation the file will need.
- Estimated monthly payment with taxes and insurance
- Estimated cash to close for your scenario
- Loan options your profile may fit
- Document checklist for your file
Takes about 3 minutes · Summary shown on screen and emailed to you
Illustration only, generated from the information you enter. Not a rate quote, lock, loan estimate, pre-qualification, offer, approval, or commitment to lend. Figures are subject to credit, income, asset and property review and full lender underwriting; binding numbers appear on your Loan Estimate.
Scenario summary
- Purchase price entered
- $412,000
- Down payment entered
- $20,600
- Estimated loan amount
- $391,400
- Estimated cash to close
- $14,300
- Programs reviewed
- 4
Sample layout with example figures — your own numbers replace these. Simply Approved Mortgages LLC · NMLS #2620881 · Equal Housing Opportunity.
Can alimony or child support count toward your mortgage?
Yes — alimony, child support, and separate maintenance payments are recognized as legitimate income sources under most mortgage program guidelines, provided they are properly documented and likely to continue. For many borrowers going through or recently past a divorce or separation, this income can be an important part of qualifying for a home loan.
Documentation typically required
To use this income, borrowers generally need to provide a copy of the final divorce decree, legal separation agreement, or court order that specifies the payment amount and duration. Underwriters usually also want evidence that the payments have actually been received, such as bank statements or deposit records showing a consistent pattern over recent months.
The continuance requirement
Most loan programs require that alimony or child support income be expected to continue for a minimum period, commonly at least three years from the date of the mortgage application, in order to be counted. If a child support order is set to expire, for example when a child reaches a certain age, within that window, the income is typically reduced or excluded from qualifying calculations.
Consistency of payments matters
Beyond the legal documentation, underwriters look at whether payments have actually been received on a consistent basis. If payment history shows significant gaps or missed payments, this can affect whether or how much of the income is counted, since the goal is to reflect a reliable, ongoing income stream.
Voluntary disclosure — you are not required to use this income
Federal fair lending rules make clear that you are never required to disclose alimony, child support, or separate maintenance income if you do not wish to have it considered for qualifying purposes. Some borrowers choose not to disclose this income for personal reasons, and that choice cannot be used against them in the lending decision.
Want these numbers built around your file?
A short request is all it takes to get a written scenario summary back from a Simply Approved Mortgages Loan Officer. Binding figures appear on your Loan Estimate.
How paying alimony or child support affects your debt-to-income ratio
On the other side of the equation, if you are the one paying alimony or child support, those payments are generally counted as a monthly obligation and factored into your debt-to-income ratio, similar to a recurring debt payment, which can affect how much you qualify to borrow.
Self-employed or informal support arrangements
Support payments that are informal, undocumented, or paid outside of a court order can be harder to use for qualifying purposes, since underwriters generally need the paper trail of a legal agreement along with proof of consistent receipt. If your arrangement is informal, discussing options with your Simply Approved Mortgages Loan Officer early can help clarify what, if anything, can be counted.
How a Simply Approved Mortgages Loan Officer helps
A Simply Approved Mortgages Loan Officer can review your court order and payment history to determine whether your alimony or child support income meets continuance and documentation standards for your loan program before you apply.
Documentation requirements and figures described here are general and illustrative; not a quote, lock, offer, or commitment to lend. Actual treatment of support income depends on your specific loan program.
How support income is qualified, documented, and phased out
Alimony and child support are treated as qualifying income only when the paper trail proves they are reliable, documented, and likely to continue.
| What it is | How it actually works | Published by |
|---|---|---|
| Continuance requirement | The obligation generally must continue for a minimum period after closing (commonly at least three years) for the income to be used in qualifying, verified from the order’s expiration or child’s age. | Fannie Mae Selling Guide |
| Receipt history | Underwriting typically wants a documented history of actual receipt, not just the amount ordered, since an award and a payment are two different facts. | Fannie Mae Selling Guide |
| Acceptable documentation | A copy of the divorce decree, separation agreement, or court order, plus recent bank statements or a payment history from the court or a support-collection agency showing deposits matching the ordered amount. | Freddie Mac Single-Family Seller/Servicer Guide |
| Voluntary versus court-ordered | Voluntary payments with no order behind them are harder to count, since there is no enforceable obligation compelling continued payment. | Fannie Mae Selling Guide |
| Tax treatment does not decide qualifying | For agreements executed after 2018, alimony is not taxable to the recipient nor deductible by the payer under federal law; this changes gross-up treatment, not whether the income can be counted. | Internal Revenue Service |
| Child support and gross-up | Because child support is not taxed as income, some programs permit grossing up the documented amount for qualification purposes when a stable receipt history exists. | Freddie Mac Single-Family Seller/Servicer Guide |
| Choosing whether to disclose it at all | Federal fair lending rules make disclosure of alimony or child support income voluntary; a borrower who does not need it to qualify is not required to provide it. | Consumer Financial Protection Bureau, Regulation Z (12 CFR 1026) |
| Offsetting it as a debt for the payer | On the paying side, a court-ordered support obligation is counted as a monthly debt in the ratio regardless of whether the recipient’s income is being used elsewhere. | Fannie Mae Selling Guide |
| Arrears and enforcement history | A documented pattern of missed or inconsistent payments can disqualify the income from use even where an order exists. | Lender program guidelines (vary by investor) |
Program parameters above are published by the agencies and enterprises named in the right-hand column and can change. They describe program rules, not an offer; eligibility, terms, conditions, and availability vary by borrower, property, lender, loan program, and state, and all loans are subject to lender underwriting and approval.
Why a court order is not automatically qualifying income
An order tells an underwriter what a court expects to happen. It does not tell them what has actually happened, and mortgage underwriting is built around evidence of pattern, not entitlement. A borrower who has received alimony inconsistently for eighteen months, with gaps, is in a materially different position than one who has three years of on-time deposits matching the decree to the dollar. The file has to show both: the legal obligation and the lived receipt history that proves it functions in practice.
This is also why voluntary arrangements between former spouses, however reliable in reality, are treated more cautiously than court-ordered support. Underwriting is pricing the risk that the payment stops, and a court order backed by enforcement mechanisms is a different risk than a handshake.
Check where pricing sits before you decide
Review current rate context, then start a request so your own credit, income, and property details drive the numbers. Illustrative only — not a quote or commitment to lend.
What changed with the 2019 tax treatment shift
Agreements executed or modified after December 31, 2018 no longer allow the paying spouse to deduct alimony, and the recipient no longer reports it as taxable income at the federal level. That single change altered how lenders gross up the income: a post-2018 award is already a net number, while an older award may still carry a tax gross-up adjustment because it was taxable to the recipient when it was signed. Borrowers relying on an older decree should expect the underwriter to ask which tax regime applies, since it changes the qualifying calculation even though the dollar amount in the decree has not moved.
The three-year continuance test and why it trips people up
The most common surprise in this category is discovering that support ending inside the standard continuance window simply cannot be counted, no matter how reliable it has been. Child support tied to a child turning eighteen next year, or spousal support scheduled to terminate at a set date, gets excluded from qualifying income if that date falls inside the required continuance period — even if every payment to date has arrived on time. Borrowers in this position should qualify on other income and treat support as a bonus toward affordability rather than as a load-bearing part of the file.
Documentation checklist for support income
Each item below exists to prove the same two things: a legal right to the payment, and a real pattern of receiving it.
| Type of income or evidence | How it is documented | Why it works for this product |
|---|---|---|
| Court order or separation agreement | Full, signed copy showing amount, frequency, and end date or triggering event. | Establishes the legal obligation and the continuance window underwriting must test. |
| Receipt history | Bank statements or a state disbursement unit payment history covering a recent period, typically the most recent months on file. | Confirms the order is being honored in practice, not just on paper. |
| Modification documentation | Any amended order changing the amount or duration. | The most current enforceable terms govern, not the original decree. |
| Voluntary support letters | Written statement plus a receipt history, generally weighted less than a court order. | No enforcement mechanism exists, so the pattern of receipt has to do more of the work. |
Documentation requirements vary by lender, program, and file. The list above describes what underwriting commonly accepts, not a determination about your income or your approval.
Counting support income versus qualifying without it
Some borrowers can qualify with or without this income and should weigh both paths.
| Option | Usually the better choice when | What you give up |
|---|---|---|
| Document and count the support income | The order has years remaining and a clean receipt history exists. | Extra documentation and underwriter scrutiny of the paper trail. |
| Qualify on other income alone | The support ends soon or its receipt history is inconsistent. | A smaller qualifying income and potentially a smaller loan amount. |
A worked example: continuance and gross-up
Illustrative only. Not a quote, lock, offer, or commitment to lend; figures are round numbers chosen to show the method, and binding figures appear on your Loan Estimate.
A borrower receives child support with four years remaining under the order and twelve months of matching bank deposits. Because the remaining term clears the standard continuance threshold and the receipt history is clean, the amount is eligible to be counted, and because child support is not federally taxable, a documented gross-up may apply. A second borrower has a similar order with fourteen months left before the child turns eighteen; because that window falls inside the required continuance period, the income cannot be counted at all, regardless of how reliably it has arrived.
Illustrative only. Figures are examples used to show the arithmetic and are not a quote, lock, offer, or commitment to lend; binding figures appear on your Loan Estimate.
Get a written summary of your options
Tell us the scenario you are working on and a Simply Approved Mortgages Loan Officer reviews it against real program guidelines, with no obligation.
How this applies in Florida and Colorado
Florida. Florida child support orders are administered through the state disbursement unit, and a printout from that system is generally the cleanest receipt-history document a borrower can supply, since it shows exact dates and amounts without relying on personal bank statement interpretation.
Colorado. Colorado support orders are enforced through county-level child support services, and payment histories are available directly from the county or the state disbursement system; borrowers relocating to Colorado from another state should keep both the originating state’s order and any Colorado registration of that order together in the file.
Simply Approved Mortgages LLC arranges residential mortgage loans in Florida and Colorado, so the two applications above are the ones we can act on for a consumer file. Business-purpose loan products may be arranged in additional states only where permitted by applicable law and pursuant to applicable licensing requirements or exemptions.
How to document support income for a mortgage application
Assemble the legal and financial trail before the application, not after an underwriter asks for it.
- Pull the current order. Get the most recently modified decree or agreement, not an outdated version.
- Confirm the remaining term. Calculate the months remaining against the continuance requirement your loan program applies.
- Gather receipt evidence. Bank statements or a state disbursement unit ledger covering a recent, representative period.
- Decide whether to disclose it. If you do not need the income to qualify, you are not required to provide it.
- Clarify the tax year of the agreement. Confirm whether pre- or post-2018 tax treatment applies so gross-up is calculated correctly.
- Address any gaps in payment history. Be ready to explain and document any missed or late payments in writing.
- Have your Loan Officer run both scenarios. Qualify with and without the income so you understand the range of loan amounts available.
Mistakes that cost people money on this
- Assuming the ordered amount, rather than the amount actually received, is what qualifies.
- Overlooking that support ending inside the continuance window cannot be counted at all.
- Submitting an outdated decree instead of the most recent modification.
- Failing to disclose a gap in payments that later surfaces in bank statements.
- Not knowing whether pre- or post-2018 tax treatment applies to a modified agreement.
- Relying on voluntary support with no order and no consistent receipt pattern.
Is this the right move for your situation?
The honest answer depends on the file. These are the patterns we see on both sides.
Usually a good fit when
- You have a court order with years remaining and a clean deposit history.
- You want to maximize qualifying income and have the paperwork to support it.
Usually not the right move when
- The support ends soon relative to your loan program’s continuance requirement.
- You would rather not disclose the source and can qualify without it.
- Receipt has been inconsistent and you cannot document a stable pattern.
None of this is a determination about your file. A Simply Approved Mortgages Loan Officer can run your actual numbers and show you what your disclosures would say.
What you can do with this loan
Determine whether your support income can help you qualify for a mortgage.
Gather the legal documentation needed to verify the payment amount.
Understand the three-year continuance requirement.
Know your right to choose not to disclose this income.
Understand how paying support affects your debt-to-income ratio.
Pros & cons — honest tradeoffs
Pros — Pros & cons
- +Can meaningfully increase qualifying income for recipients.
- +Recognized under most conventional, FHA, VA, and USDA guidelines.
- +Documentation requirements are generally straightforward with a court order.
- +Borrowers retain full control over whether to disclose this income.
- +Consistent payment history strengthens the underwriting file.
Cons / watch-outs — Pros & cons
- −Income expiring within three years generally cannot be fully counted.
- −Inconsistent payment history can reduce or eliminate usable income.
- −Informal arrangements without a court order are difficult to document.
- −If you pay support, it counts against your debt-to-income ratio.
- −Underwriters may request additional bank statement evidence of receipt.
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.
Worked example
How this loan actually works — a full example
A borrower receives monthly child support under a court order that continues for another five years and wants to know if it can be used to qualify.
Inputs
- Illustrative monthly child support
- $900
- Remaining term of the order
- 5 years
- Continuance requirement
- 3 years minimum
Calculation
- 1Step 1The borrower provides the court order showing $900 monthly child support with five years remaining.
- 2Step 2The underwriter confirms bank statements show consistent receipt over recent months.
- 3Step 3Because five years exceeds the three-year continuance requirement, the income may be counted in full.
- 4Step 4The $900 is added to the borrower’s monthly qualifying income.
In this illustrative scenario, the full $900 monthly child support payment may be usable for qualifying, subject to underwriter review.
Illustrative only — not a quote, lock, offer, or commitment to lend. Binding figures appear on your Loan Estimate.
Purchase market update
What buyers should know this month
30-Yr Fixed · national avg
—
Loading PMMS…
15-Yr Fixed · national avg
—
Loading PMMS…
2026 buying power
Conforming baseline: $832,750
FHA floor / ceiling: $541,287 – $1,249,125
Documentation required
A divorce decree, separation agreement, or court order is generally needed to verify the amount.
Three-year continuance
Most programs require the income to reasonably continue for at least three years.
Optional disclosure
You are never required to disclose this income if you do not want it used to qualify.
Cost and payment tools
Run your payment, affordability, closing cost and refinance numbers
Monthly payment, affordability, closing costs, refinance break-even and early payoff, all on one screen. This page is not written for one state, so property tax, insurance and transfer or recording charges start at neutral placeholder assumptions rather than published averages — Transfer, documentary-stamp and recording charges are set by your state and county — enter your own figure, or open the state page for a sourced seed. Insurance and tax assumptions vary widely by state, county and property, so replace these starting values with quotes for your address. Every figure is an illustrative estimate, not a quote, lock, offer, approval, or commitment to lend.
Your inputs
Estimated result
- Down payment
- $20,000
- Loan amount
- $380,000
- Principal & interest
- $2,402
- Property tax
- $333/mo
- Homeowners insurance
- $167/mo
- Estimated total monthly
- $2,902/mo
Reference sources: Tax Foundation — property taxes paid as a percentage of owner-occupied housing value, NAIC — Homeowners Insurance Report, CFPB — Understanding your Loan Estimate.
Assumptions, methodology, and limitations
Principal and interest use the standard amortization formula on the loan amount you enter. This page does not target a single state, so the property tax and insurance fields start at neutral placeholder assumptions rather than published averages — replace them with figures for your own address, or open the matching state page for sourced seeds. Closing costs apply your state's transfer / documentary-stamp practice (0.00% of price used as the buyer-side seed) plus typical title, recording, appraisal, credit and prepaid escrow lines. Refinance break-even divides your entered costs by the monthly payment difference. Early payoff runs a month-by-month amortization with your extra principal.
These tools do not include mortgage insurance, funding or guarantee fees, HOA special assessments, flood or windstorm premiums, seller credits, lender credits, discount points, or county and municipal charges specific to your parcel. Statewide averages will not match any individual property. Figures are estimates only.
Illustrative only. Binding figures appear on your Loan Estimate, and terms vary by borrower, property, lender, program, and state.
Turn these estimates into real numbers
Send your scenario to a Simply Approved Mortgages Loan Officer and get a written summary back, or compare where rates sit today. Educational only — not a quote, lock, offer, approval, or commitment to lend.
Alimony and child support income for a mortgage FAQs
Answers to the most common alimony and child support income for a mortgage questions, written by licensed loan officers.
Ask SAM anything about mortgages
SAM is the Simply Approved Mortgages AI assistant. It answers general questions using the reviewed guides published on this site and links you to the primary government source. It is educational only — it does not quote a rate, payment, APR, approval or commitment to lend. A Simply Approved Mortgages Loan Officer reviews every scenario before any terms are confirmed.
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.
Ask Sam AI provides general educational information only. It is an automated assistant, may be incomplete or out of date, and does not provide legal, tax or financial advice. Nothing it produces is a rate quote, APR, pre-approval, offer or commitment to lend. Never share a Social Security number, ITIN, date of birth, account number or password in chat. Simply Approved Mortgages LLC (NMLS #2620881) arranges residential mortgage loans in Florida and Colorado. Eligibility, terms, conditions and availability vary by borrower, property, lender, loan program and state, and all loans are subject to lender underwriting and approval. Equal Housing Opportunity.
Sources & Citations
- Fannie Mae — Selling Guide: alimony, child support, and separate maintenance
- Freddie Mac — Single-Family Seller/Servicer Guide
- Internal Revenue Service — Alimony, child support, and separate maintenance income
- Consumer Financial Protection Bureau — Equal Credit Opportunity Act consumer resources
Sources: government and agency publications listed above. Simply Approved Mortgages LLC is not affiliated with, endorsed by, or sponsored by HUD, FHA, VA, USDA, or any government agency. Program rules change; the published source text governs.
Trusted government resources
These independent government resources can help you research mortgage programs, rates, and your rights before you apply.
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.
How this page connects
Where this fits in the credit, income and documentation library
This page sits inside our Credit, income and documentation coverage.
What most readers open next
- How underwriting reviews a fileBecause the standard every income and credit rule serves.
- Improving credit before applyingBecause small score moves change pricing tiers.
- Self-employed qualifyingBecause business income is calculated differently from wages.
Explore the full guide
Keep reading — the rest of the buying playbook
Each of these is a deep-dive on one piece of the purchase mortgage process. Bookmark whichever you need next.
Guide
Debt-to-Income Calculator
See how support income or payments affect your DTI.
Read the guide →Guide
Mortgage Document Checklist
Review the full list of documents typically requested.
Read the guide →Guide
Overtime and Bonus Income for a Mortgage
Compare another type of documented, variable qualifying income.
Read the guide →Guide
Rental Income for Mortgage Qualifying
See how another income source is documented and averaged.
Read the guide →Guide
Mortgage Pre-Approval
Start documenting your income for a pre-approval.
Read the guide →Guide
Down payment assistance for first responders
Layering assistance programs with documented household income.
Read the guide →Guide
DSCR loans
An income path that does not rely on personal income documentation at all.
Read the guide →Internal library
Related mortgage guides across our library
Follow the next relevant guide for your scenario.
Purchase mortgages
Buying a home
Start My Approval
Complete this short request and a Simply Approved Mortgages Loan Officer will personally review your scenario. The form only asks what your program actually needs. Submitting it is not an application for credit and is not a commitment to lend.
What are you looking to do?
Pick one — the form adapts.Pick a loan type
Programs for buying a home.Conventional loan — 3–20% down · 620+ FICO
Tell us about your scenario
The form below is tailored to Conventional loan — only the questions and documents your program needs.
Simply Approved Mortgages LLC is licensed to arrange 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.
Purchase price and down payment help us size the conforming loan.
A range is enough here — no credit report is pulled and your credit is not affected.
Illustrative estimate only — not a quote, rate lock, offer of credit, or commitment to lend.
Submitting this form is not an application for credit and is not a commitment to lend. No credit report is pulled at this step.
Follow our reporting
Add Simply Approved Mortgages as a preferred source on Google
We update these guides as HUD, FHFA, VA, USDA and CFPB publish new figures. If you want our updates to show up more often when you search Google, you can mark us as a preferred source from the Top Stories carousel:
- 1Sign in to your Google account and search a mortgage topic such as "mortgage rates".
- 2Select the icon next to "Top stories" to open the preferred sources panel.
- 3Search for Simply Approved Mortgages, tick the box, and save.
Preferred sources is a Google Search feature controlled entirely by you and by Google. Simply Approved Mortgages LLC (NMLS #2620881) does not control search results and makes no representation about how or whether our content will appear. Educational content only — not a quote, lock, offer, or commitment to lend.
Simplify Your Mortgage Journey with These Resources
Talk To A Loan Officer
A Simply Approved Mortgages Loan Officer will personally connect with you to walk through your options.
Mortgage insights & guides
Plain-language articles to help you understand the home loan process, save on closing costs, and make confident decisions.
7 things every first-time homebuyer should know before applying
From credit prep to down payment assistance, here’s how to walk into your first mortgage application with confidence.
Using your VA loan benefit: a step-by-step guide
Eligibility, the Certificate of Eligibility, funding fees, and how to maximize zero-down purchasing power.
Where your closing costs actually go (and where you can save)
A line-by-line breakdown of the Loan Estimate and the fees that are negotiable versus fixed.
Equal Housing OpportunityMortgage Broker — Not a LenderNMLS ID# 2620881NMLS Consumer AccessFlorida Mortgage Broker License #MBR7685Colorado Mortgage Company RegistrationLicensing & 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 wholesale lenders and do not make the lender's final credit decision or fund the loan. We arrange residential mortgage loans in Florida and Colorado. Business-purpose mortgage products may be arranged in additional states only where permitted by applicable law and pursuant to applicable licensing requirements or exemptions.
Credit and program terms. All loans are subject to lender credit approval, underwriting, acceptable appraisal or valuation when required, title review, insurance, and supporting documentation. Eligibility, programs, rates, APRs, points, lender credits, fees, payments, terms, loan amounts, down-payment requirements, mortgage insurance, and availability may vary based on borrower, property, occupancy, credit profile, loan-to-value ratio, debt-to-income ratio, lender, loan program, and state and may change without notice. Not all applicants, properties, products, or programs will qualify or be available in every state. Nothing on this site constitutes a loan approval, rate lock, offer, commitment to lend, guarantee of approval, or guarantee of terms or closing.
Rates, payments and calculators. Rates, APRs, payments, down payments, loan amounts, home values, estimated equity, savings, affordability estimates, closing costs, and other calculator or scenario results displayed on this site are estimates or illustrations unless expressly stated otherwise. Actual 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. Applicable loan terms and disclosures will be provided as required for the particular transaction.
Mortgage products. FHA, VA, USDA, conventional, jumbo, non-QM, HELOC, reverse mortgage, down-payment-assistance, investment-property, DSCR, and other mortgage products referenced on this site are subject to their individual eligibility, underwriting, property, occupancy, and program requirements. Product availability varies by lender and jurisdiction. References to a mortgage product or program do not constitute a determination that a borrower or property qualifies.
Government-backed programs. Government-backed or government-insured mortgage programs referenced on this site may be subject to requirements established by the applicable government agency in addition to lender requirements. Government insurance or guaranties generally protect participating lenders against certain losses and do not constitute a guarantee of borrower approval.
Business-purpose products. DSCR, investment-property, and other business-purpose mortgage products referenced on this site are intended for qualifying business-purpose transactions. Business-purpose loans may be subject to different requirements and protections than consumer-purpose residential mortgage loans. Borrowers are responsible for accurately disclosing property occupancy and intended use.
Down payment assistance. Down payment or closing-cost assistance programs referenced on this site may be administered by governmental entities, housing finance agencies, nonprofit organizations, lenders, or other third parties. Program availability, funding, assistance amounts, eligibility requirements, repayment or forgiveness provisions, and other terms vary and may change or become unavailable without notice. Listing or referencing a program does not guarantee funding, eligibility, or mortgage approval.
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, or any other federal, state, or local government agency. References to government agencies, programs, benefits, data, forms, or resources are provided for informational purposes and do not imply government 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, investment, estate-planning, or individualized government-benefits advice. Consumers should consult appropriate qualified professionals regarding their individual circumstances.
Third-party content. References or links to government agencies, lenders, assistance programs, products, services, or other third-party websites are provided for informational purposes or convenience. Simply Approved Mortgages LLC does not control and is not responsible for third-party content, availability, accuracy, or privacy practices.
NMLS Consumer Access: Verify Simply Approved Mortgages LLC, NMLS #2620881.
Simply Approved Mortgages LLC, 633 W 5th St, Ste 2600, Los Angeles, CA 90071 · 877-813-7219 · support@simplyapprovedmortgages.com. State licensing details available at the NMLS Consumer Access link above. © 2026 Simply Approved Mortgages LLC.