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Buy Before You Sell · Cash Offer Program

Buy Before You Sell 2026: Make a Non-Contingent, Cash-Backed Offer

Turn the equity in your current home into a non-contingent, cash-backed offer on your next home — so you can compete like a cash buyer without selling first. Originated by Simply Approved Mortgages (Company NMLS# 2620881).

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Quick answerSummary

A Buy Before You Sell (cash offer) program advances equity from your current home so you can make a non-contingent, cash-backed offer on your next home. Aggregate underwriting data shows typical qualifying credit in the 640–680 range, maximum LTV around 90%, and maximum combined LTV around 75%. Individual results vary — figures are illustrative only.

  • ✓Typical qualifying credit score: 640–680
  • ✓Maximum LTV: 90%
  • ✓Maximum CLTV (combined, incl. departing residence): 75%
  • ✓Removes the financing and home-sale contingencies from your purchase offer
  • ✓You are expected to list/sell your departing residence within a documented timeline
  • ✓Available only where we are licensed: Florida and Colorado

What this means for you: If you need to win a competitive bid before your current home sells, this structure is worth comparing against a HELOC or bridge loan with a Simply Approved Mortgages Loan Officer.

SA

Written by

Simply Approved Mortgages Team

Licensed Loan Officers · NMLS# 2620881

12 min read·Independently researched · No paid product placement
Free with your request

Get your Buy Before You Sell 2026 scenario summary

Complete the short request and a Simply Approved Mortgages Loan Officer sends back a written summary built from your own numbers: an estimated payment breakdown, estimated cash to close, the loan structures that may fit your file, and the documentation underwriting will ask for.

  • Estimated monthly payment with taxes and insurance
  • Estimated cash to close for your scenario
  • Loan structures your profile may fit
  • Document checklist for your file
Get my summary

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.

What is a Buy Before You Sell / cash offer program?

A Buy Before You Sell (cash offer) program uses the equity in your current home to back a non-contingent, cash-backed offer on your next home. Instead of asking a seller to accept a contract contingent on your current home selling, you can offer like a cash buyer — often the difference between winning and losing a competitive bid.

Anonymized underwriting ranges

Based on anonymized aggregate ranges across our internal lender-guideline knowledge base, files in this category typically show a qualifying credit score around 640–680, a maximum loan-to-value around 90%, and a maximum combined loan-to-value (including the departing residence) around 75%. These are illustrative ranges, not a quote, lock, offer, or commitment to lend — individual results vary by file.

How it fits into your purchase timeline

The structure is designed to bridge the gap between winning a purchase contract and closing the sale of your current home. It is not a permanent financing product — you're expected to list and sell your departing residence within a documented timeline confirmed by your Simply Approved Mortgages Loan Officer.

How the Buy Before You Sell process works

  1. 1

    Confirm equity and eligibility

    Your Simply Approved Mortgages Loan Officer reviews your current home's equity, credit, and income to confirm a rough qualifying range.
  2. 2

    Get your non-contingent offer power

    Receive documentation showing your purchase offer no longer needs a home-sale contingency.
  3. 3

    Make your offer and go under contract

    Submit a stronger, cleaner offer on your next home.
  4. 4

    List and sell your departing residence

    List your current home on the documented timeline while your new purchase moves through underwriting.
  5. 5

    Close on your new home

    Close your purchase, then reconcile the bridge structure once your departing residence sells.

Who typically uses a Buy Before You Sell program

✓

Move-up buyers in competitive markets

Compete against cash investors without waiting on your current sale.

✓

Relocation on a tight timeline

Job relocations or family moves with a hard closing date.

✓

Sellers in slower-moving property types

Condos or homes with longer typical days-on-market.

Expert Insight
A cash offer program is not the only way to remove a home-sale contingency — a HELOC or traditional bridge loan can accomplish something similar. Ask your Simply Approved Mortgages Loan Officer to run all three side by side against your specific equity, credit, and timeline before you commit.
Simply Approved Mortgages Team
Licensed Loan Officers • NMLS# 2620881

Want this applied to your own file?

A Simply Approved Mortgages Loan Officer reviews your credit, income, and property against current FHA guidelines and follows up with estimated figures. Educational only — not a quote, lock, offer, or commitment to lend.

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The honest trade-off

FHA loan pros and cons

FHA is powerful but not perfect. Here is the straight read on both sides.

Pros

  • +

    580 FICO at 3.5% down.

    More flexible than nearly every conventional program.

  • +

    Standard 43% back-end DTI; can stretch to approximately 56.99%.

    Higher debt loads can still qualify with compensating factors.

  • +

    100% gift funds allowed.

    Full down payment can come from family, employer, or DPA.

  • +

    Assumable loan.

    A qualified future buyer can take over your FHA at your rate.

  • +

    6% seller concessions.

    Sellers can fund a meaningful portion of closing costs.

  • +

    Short post-event waiting periods.

    2 yrs post Ch.7, 3 yrs post foreclosure (HUD).

Cons

  • !

    Annual MIP for life when LTV > 90%.

    Refinancing into conventional is the standard exit.

  • !

    County loan limits cap the amount.

    High-cost homes may need conventional or jumbo.

  • !

    HUD property standards required.

    Safety, soundness, security issues must be cured pre-close.

  • !

    Primary residence only.

    No second homes or pure investment properties.

  • !

    Upfront MIP increases loan size.

    1.75% of the base loan amount, typically financed.

  • !

    Lender overlays may apply.

    Some lenders require a higher score than HUD’s 580 floor.

See where you stand on these requirements

A Simply Approved Mortgages Loan Officer will review your credit, income, and reserves against real program guidelines — no obligation.

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Live market pricing

FHA loan mortgage rates today

FHA mortgage rates change every business day with the MBS market, Treasury yields, and lender pricing. Because FHA loans are federally insured, lenders can price them competitively for borrowers with credit scores and debt-to-income ratios that might not qualify for the best conventional terms.

Your exact rate depends on your middle FICO score, loan-to-value ratio, loan amount, occupancy, property type, and whether you pay discount points. Borrowers with higher credit scores and larger down payments typically receive more favorable pricing and Annual MIP factors.

We update our rate board daily through our Simply Approved Mortgages rate engine so you can review current FHA rate and APR examples for the scenario you select.

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What affects your FHA rate

  • ✓

    Credit score

    Higher middle FICO scores get lower base rates and better MIP tiers.

  • ✓

    Down payment / LTV

    A 10% down payment unlocks the 11-year MIP removal rule and lower pricing.

  • ✓

    Loan amount

    Rates and MIP factors differ between standard and high-balance FHA loans.

  • ✓

    Discount points

    Paying points upfront can lower your rate — or keep costs lower with a slightly higher rate.

  • ✓

    Market timing

    Rates move with MBS and Treasury markets; locking protects you from increases.

Rates and APRs shown on our rate board are illustrative and change daily. Not a quote, lock, offer, or commitment to lend. Your actual rate, APR, and payment depend on credit, income, assets, occupancy, property type, and automated underwriting findings. Binding figures appear on your official Loan Estimate after a complete application. Simply Approved Mortgages LLC, NMLS# 2620881. Equal Housing Opportunity.

Interactive tools

FHA loan calculators

Estimate your FHA payment, see how much home you can afford, and compare FHA vs Conventional side-by-side. All figures are illustrative — not a quote, lock, offer, or commitment to lend.

Loan term
Estimated monthly payment (PITI + MIP)
$2,755/mo
Principal & interest$2,172
Property taxes$300
Homeowner's insurance$125
Annual MIP (0.55%)$158
Down payment$12,250
Base loan$337,750
UFMIP (1.75%, financed)$5,911
Total loan amount$343,661
LTV96.5%
See Today's Rates

Illustrative scenarios for educational purposes only. Not a quote, lock, offer, or commitment to lend. FHA Annual MIP rates; UFMIP is 1.75% of the base loan amount and is typically financed. Conventional PMI rates vary by mortgage insurer, credit score, and LTV. Property taxes and homeowner's insurance vary by location and carrier. Binding figures appear on your Loan Estimate after a complete application. Simply Approved Mortgages LLC, NMLS# 2620881. Equal Housing Opportunity.

Next steps

See Today's Rates

Emailing your FHA payment and limit calculators scenario opens our secure request form so a Simply Approved Mortgages Loan Officer can review those numbers. Estimates are illustrative and are not a quote, lock, offer, or commitment to lend.

Wholesale advantage

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.

Simply Approved Mortgages compensation (1.5%)$4,500
Quote you entered (2.75%)$8,250

Compensation difference on this illustration: $3,750.

How lower compensation can help you

Room for a lower rate

When less compensation is built into pricing, there can be room for a lower interest rate, which may lower your monthly payment.

Possible credits toward closing

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.

More purchasing power

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.

Wholesale, not retail

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.

Get a second opinion on your Loan Estimate

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.

Get Ready

Document Checklist for Your Loan Application

Gathering these documents up front helps your Simply Approved Mortgages Loan Officer issue a stronger pre-approval and move your loan to Clear-to-Close faster. Actual items required vary by scenario — your loan officer will confirm the final list.

Choose your income type

Only the income documents that apply to you are shown. Switch tabs if you have multiple income sources — your loan officer will confirm which apply.

W-2 / Employed Income

  • ✓Most recent 30 days of paystubs (all borrowers, all jobs)
  • ✓W-2s for the last 2 years (all employers)
  • ✓Two-year employment history with employer names, addresses, and dates
  • ✓Verification of Employment — written (WVOE) or electronic (EVOE through a third-party payroll service); your loan officer orders it with your signed authorization
  • ✓Employment reverification within 10 days before closing — verbal or electronic, required on every file
  • ✓Bonus / commission / overtime: 2-year history if used to qualify
  • ✓Recent job change: offer letter and first paystub after start date
  • ✓Retirees / fixed income: Social Security award letter, pension statements, 1099-R

Assets & Reserves

  • ✓Most recent 2 months of bank statements (all pages)
  • ✓Most recent quarterly statement for retirement / brokerage / 401(k)
  • ✓Gift funds: signed gift letter + donor bank statement + transfer proof
  • ✓Large deposit letters of explanation with source documentation

Identity & Residency

  • ✓Government-issued photo ID (driver's license or passport)
  • ✓Social Security card or ITIN letter
  • ✓Two years of residency history with addresses

Credit & Liabilities

  • ✓Written credit report authorization
  • ✓Letter of explanation for any late payments, collections, or inquiries
  • ✓Bankruptcy discharge papers or foreclosure documentation (if applicable)
  • ✓Child support / alimony order (if paying or receiving)
  • ✓Divorce decree / separation agreement (only if applicable)

Property & Purchase

  • ✓Fully executed purchase contract with all addenda
  • ✓Earnest money deposit receipt + source of funds
  • ✓Homeowners insurance quote (binder before closing)
  • ✓HOA / condo questionnaire and dues statement (if applicable)

FHA-Specific Documentation

  • ✓FHA case number assignment (ordered by your loan officer)
  • ✓CAIVRS clearance authorization
  • ✓For DPA: down payment assistance program application + subordination docs
  • ✓For non-occupying co-borrower: proof of relationship
  • ✓For manufactured home: HUD tags, foundation certification, land title

Educational checklist only. Not a commitment to lend and not a complete list of conditions. Documentation requirements are governed by agency guidelines (Fannie Mae Selling Guide, FHA Handbook 4000.1 incl. Update 18 (August 12, 2026), VA Lender's Handbook, USDA HB-1-3555) and individual investor overlays. Your Simply Approved Mortgages Loan Officer will provide your specific document list based on your scenario.

Credit Documentation & Monitoring

Credit Reports and Credit Monitoring for your loan

Credit is one of the four underwriting buckets every lender reviews — and one of the few you can actively improve before you apply. Monitoring your credit throughout the process helps you catch errors, fraud, and score changes early, which protects your approval timeline and your rate.

Step 1 · Lender Pull

Ordering Credit for Your Pre-Approval File

Once you sign your loan application (Form 1003) and disclosures, your Simply Approved Mortgages Loan Officer orders a tri-merge residential mortgage credit report (RMCR) from Equifax, Experian, and TransUnion. This is a hard inquiry, but FICO's model treats mortgage inquiries within a 45-day window as a single event, so shopping lenders during that window will not stack on your score.

  • What we need from you: signed borrower authorization, government-issued photo ID, Social Security number (or ITIN), and current address.
  • What the report shows underwriters: middle FICO score, open tradelines, minimum payments, late history, collections, public records, and recent inquiries.
  • How long it's valid: 120 days for conventional loans and for FHA/VA/USDA (HUD guidelines, VA Lender's Handbook Ch. 4). Older reports must be re-pulled before closing.
  • Rapid rescore: if a legitimate error is on your report, we can request a rapid rescore in 3–7 business days after you supply documentation from the creditor.
Pay for Your Credit Report →

This link redirects to our third-party credit vendor's payment portal. You pay the report fee directly so we can pull your tri-merge credit report for your pre-approval file. A credit pull is required for underwriting; this is not a commitment to lend.

Step 2 · Self-Check

Review and Monitor Your Credit at MyITINCredit.com

Before we pull your file, review and monitor your credit at MyITINCredit.com. Their $1 promotional trial gives you tri-bureau visibility plus ongoing credit monitoring so you can catch changes, disputes, or new accounts as they appear — not after they've already delayed your loan.

  • Verify accuracy: confirm names, addresses, SSN/ITIN, and every open account belong to you.
  • Dispute errors: the Fair Credit Reporting Act gives you the right to dispute inaccurate items directly with the bureau — no charge.
  • Address collections and charge-offs: a settled or paid collection can be documented in advance so it does not stall underwriting.
  • Pay down utilization: credit-card balances reported below 30% of the limit typically produce the strongest scores.
  • Avoid new credit: do not open new cards, finance a car, or co-sign for anyone from now through closing.
  • Monitor continuously: credit monitoring alerts you to new inquiries, balance changes, and potential identity theft while your loan is in process.
Check & Monitor Your Credit at MyITINCredit.com →

MyITINCredit.com is a service operated by Simply Approved Corporation (a DBA of that entity), which is the parent company of Simply Approved Mortgages LLC. Simply Approved Mortgages may receive subscription revenue if you choose to enroll. Credit monitoring through MyITINCredit.com is optional and is not required to apply for or obtain a mortgage with us. Promotional pricing, trial terms, and monitoring features are set by MyITINCredit.com and subject to change.

Why credit monitoring matters during a mortgage — A single new collection, missed payment, or unauthorized inquiry can change your qualifying score or trigger additional underwriting conditions. Typical minimum scores* — Conventional 620, FHA 580 (3.5% down) or 500 (10% down), VA no HUD minimum (most lenders 580–620), USDA typically 640, Jumbo 680–740, Doctor Mortgage 680–700+, Non-QM/DSCR varies by program, ITIN 620–680 alternative credit. Investor and lender overlays apply; individual results vary. Not a commitment to lend.

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.

FAQs reviewed by Simply Approved Mortgages · November 2026

Still have questions? Get answers on your scenario

Start a short request and a Simply Approved Mortgages Loan Officer responds within one business day with next steps and a document checklist.

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Frequently Asked Questions About Buy Before You Sell / Cash Offer Programs 2026

Answers to the most common about buy before you sell / cash offer programs 2026 questions, written by licensed loan officers.

It's a bridge structure that advances equity from your current home so you can make a non-contingent, cash-backed offer on your next home — removing the financing and home-sale contingencies sellers often discount.
Ask Sam AI

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.

SAM is an AI assistant — not a licensed loan officer, attorney, CPA or financial adviser. Answers are educational only, are not a quote, lock, offer or commitment to lend, and material loan terms must be reviewed by a Simply Approved Mortgages Loan Officer. Never share SSN/ITIN, date of birth, account numbers or passwords in chat. Residential mortgage loans are arranged in Florida and Colorado. Start My Approval.

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.

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  1. 1Sign in to your Google account and search a mortgage topic such as "mortgage rates".
  2. 2Select the icon next to "Top stories" to open the preferred sources panel.
  3. 3Search for Simply Approved Mortgages, tick the box, and save.
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Local FHA hubs

FHA loans by state

FHA rules are federal, but limits, DPA programs, and property nuances are local. Jump to your state hub for county limits, local DPA layers, and a directory of every city and county.

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FHA loan limits, DPA programs, and local guidance for every Colorado county and metro.

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FHA Loans in Florida

FHA county limits, insurance considerations, and DPA options across Florida.

Open the Florida FHA hub →

FHA product library

Explore every FHA loan product and topic

Deep-dive references on each FHA program, insurance rule, waiting period, and qualifying calculator.

FHA Loans — Complete Guide

Every FHA program, requirement, and current rule in one place.

Read guide →

FHA 203(b) Purchase

The standard 3.5%-down FHA purchase loan.

Read guide →

FHA 203(k) Renovation

Buy + renovate in one FHA loan.

Read guide →

FHA Streamline Refinance

Faster refinance for existing FHA loans.

Read guide →

FHA Cash-Out Refinance

Tap equity up to 80% LTV.

Read guide →

FHA HECM Reverse Mortgage

HUD-insured reverse mortgage for age 62+.

Read guide →

FHA Loan Limits

County floor, ceiling, and how limits are set.

Read guide →

FHA Mortgage Insurance

UFMIP, Annual MIP, and payoff timing.

Read guide →

FHA Appraisal Requirements

HUD MPR standards and what appraisers check.

Read guide →

FHA Gift Funds

Who can gift, documentation, and the paper trail.

Read guide →

FHA DTI Calculator

Run your ratios against FHA benchmarks.

Read guide →

FHA vs Conventional

Compare total cost by credit tier.

Read guide →

FHA Waiting Periods

BK, foreclosure, and short-sale timelines.

Read guide →

How this page connects

Where this fits in the mortgage library library

This page sits inside our Mortgage library coverage.

What most readers open next

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

Bridge Loans

A different short-term structure to compare against a cash offer program.

Read the guide →

Guide

HELOC

Using a home equity line to fund your next down payment.

Read the guide →

Guide

Mortgage Pre-Approval

Get pre-approved on your next purchase.

Read the guide →

Guide

Purchase Mortgages — Complete Guide

Every purchase loan option in one reference.

Read the guide →

Guide

Buying a Second Home

If you plan to keep, not sell, your current home.

Read the guide →

Internal library

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Pre-Approval Request

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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.

What's your goal?
Purchase price$450,000
$
Down payment (10.0%)$45,000
$

A range is enough here — no credit report is pulled and your credit is not affected.

Estimated monthly payment at these numbers
$3,431

Illustrative estimate only — not a quote, rate lock, offer of credit, or commitment to lend.

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Licensing & Disclosures

Simply Approved Mortgages LLC | NMLS #2620881

Florida Branch Office (Miami, FL) | Branch NMLS #2688012

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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.

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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.

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