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First-Time Home Buyer Loans in Florida
Hometown Heroes up to $35k DPA, Florida First/Florida Assist deferred second, county SHIP, plus FHA/VA/USDA/Conventional 3% down — every Florida first-time buyer program layered against your file.
- ✓Florida Housing Hometown Heroes provides up to $35,000 of DPA (subject to allocation) for qualifying occupations statewide.
- ✓Florida First / Florida Assist stacks a 3%-5% deferred second mortgage on FHA/VA/USDA/Conventional first mortgages.
- ✓Every Florida county administers SHIP (State Housing Initiatives Partnership) DPA for buyers under 120% AMI.
- ✓Florida Statute 718 structural-integrity reserve compliance affects most high-rise condo purchases (post-Surfside).
- ✓FEMA flood-zone determination, wind-mitigation reports, and 4-point inspections on homes 30+ years old drive Florida-specific timelines.
Written by
Simply Approved Mortgages Team
Licensed Loan Officers · NMLS# 2620881
Local market data
Florida first-time buyer market at a glance
Directional Florida statewide market estimates. Coastal metros (Miami-Dade, Broward, Palm Beach) run materially higher than the Panhandle and interior counties.
Source: U.S. Census QuickFacts — Florida
Source: U.S. Census QuickFacts — Florida
Source: U.S. Census QuickFacts — Florida
- U.S. Census QuickFacts — Florida
- Florida Housing — Homebuyer Programs
- FEMA Flood Map Service Center
- HUD Fair Market Rents & Small Area FMR
All figures are directional estimates from public sources and drift with the market. Not a quote, lock, offer, or commitment to lend. Individual results vary. Simply Approved Mortgages LLC (NMLS# 2620881) is not affiliated with any government agency, state housing finance agency, or data provider referenced above.
Buying your first home in Florida
Florida has one of the deepest first-time home buyer support stacks in the country. The Florida Housing Finance Corporation (FHFC) administers Hometown Heroes, Florida First, and Florida Assist statewide. Every one of Florida's 67 counties administers a State Housing Initiatives Partnership (SHIP) DPA program funded by state documentary stamp tax revenue. Federal HOME Investment Partnerships Program consortia add another DPA layer in the largest metros. Layered against an FHA, VA, USDA, or conventional first mortgage, most Florida first-time buyers can close for a small fraction of the "20% down" number.
What makes Florida different is the underwriting surface: Florida Statute 718 (structural-integrity reserve compliance post-Surfside) on high-rise condos, FEMA flood-zone determination on coastal and Intracoastal ZIPs, wind-mitigation reports and 4-point inspections on homes 30+ years old, and Community Development District (CDD) fees on newer master-planned subdivisions. Each of these can materially change cash-to-close or monthly PITI, and none of them go away by ignoring them.
Florida statewide first-time buyer programs
- Hometown Heroes — Up to $35,000 of DPA (subject to allocation) for qualifying occupations. Statewide.
- Florida First + Florida Assist — First mortgage (FHA/VA/USDA/Conventional) + 3%, 4%, or 5% deferred second mortgage at 0% interest. Statewide.
- Florida HFA Preferred Conventional / Advantage — Conventional HomeReady or Home Possible with reduced PMI factors under Florida Housing overlay.
- Salute Our Soldiers — Military-specific Florida Housing overlay.
- Simply Approved Mortgages DPA — Our proprietary FHA-only 10-year second lien covering 3.5% or 5%. No income cap. No first-time-buyer requirement.
Florida county-level DPA (SHIP and HOME)
Every Florida county participates in SHIP. The largest metros also participate in federally-funded HOME Consortia. Terms and allocations cycle annually.
- Miami-Dade — Infill Housing Initiative, PHCD, City of Miami First-Time Homebuyer.
- Broward — Broward County HOME Consortium, City of Fort Lauderdale Homebuyer Purchase Assistance.
- Palm Beach — Palm Beach County SHIP.
- Orange — Orange County SHIP, City of Orlando Down Payment Assistance.
- Hillsborough — Hillsborough County SHIP, City of Tampa "Dare to Own the Dream".
- Duval — City of Jacksonville "Head Start to Homeownership".
- Pinellas, Lee, Collier, Sarasota, and other counties — each administers its own SHIP program.
Florida first-time buyer market realities
The three items that surprise most Florida first-time buyers:
- Statute 718 structural-integrity reserves. Post-Surfside, Florida requires 10-year structural-integrity reserve studies on condo buildings 3+ stories and prohibits waiving structural reserves. Non-compliant buildings can lose Fannie Mae warrantability and FHA project approval — which affects whether a first-time buyer can get a mortgage on that unit at all.
- Homeowners insurance market. The Florida homeowners insurance market has repriced materially since 2022. Wind-mitigation credits, roof age, 4-point inspection results, and proximity to the coast all drive premium. Get an insurance quote in your inspection window — a carrier decline is one of the most common reasons a Florida purchase renegotiates or falls out.
- CDD fees. Community Development District fees are line-item assessments used to finance infrastructure in newer master-planned subdivisions (Lake Nona, Nocatee, Wesley Chapel, Fishhawk Ranch, Champions Gate). They inflate escrow at closing and monthly PITI.
Top Florida cities for first-time buyers
These are the top five Florida first-time buyer markets by Google search volume and origination activity. Each has its own dedicated deep-dive page.
- First-time home buyer loans in Miami, Florida →
- First-time home buyer loans in Orlando, Florida →
- First-time home buyer loans in Tampa, Florida →
- First-time home buyer loans in Jacksonville, Florida →
- First-time home buyer loans in Fort Lauderdale, Florida →
- First-time home buyer loans in St. Petersburg, Florida →
All figures on this page are illustrative and not a quote, lock, offer, or commitment to lend. Binding numbers appear on your Loan Estimate. Individual results vary. Simply Approved Mortgages LLC (NMLS# 2620881) is not affiliated with HUD, FHA, VA, USDA, Fannie Mae, Freddie Mac, Florida Housing Finance Corporation, or any county or municipal housing agency.
Ready to buy your first home in Florida?
A Simply Approved Mortgages Loan Officer will match you to the right program — FHA, VA, Conventional, Jumbo, or Florida Hometown Heroes — and walk through your real Florida numbers.
DPA Program Finder
Florida down payment assistance programs
Pre-filtered to Florida — Florida Housing (Homebuyer Loan Program, Florida Assist, HFA Preferred / Advantage, Hometown Heroes), county and city programs, plus our Simply Approved Mortgages in-house DPA where available. Educational only; every card links to the administering agency. Not an offer of credit.
9 programs found
Simply Approved Mortgages In-House DPA
Up to 5% of the lesser of purchase price or appraised value, structured as a repayable 10-year fixed second mortgage on a qualifying primary residence. Layers with FHA 203(b) or FHA 203(k) purchase first mortgages only. The second lien is priced at the first-mortgage rate + 2.00% and is fully amortizing — not a grant and not forgivable. Layered DPA affects final rate and MI; your Simply Approved Mortgages Loan Officer will show a side-by-side comparison before you commit.
Program terms subject to lender overlays, investor guidelines, and property eligibility. Not available in NY, WA, the U.S. Virgin Islands, Guam, the Northern Mariana Islands, or American Samoa. Not a commitment to lend.
Florida Hometown Heroes
Florida Housing program for eligible frontline workers (educators, first responders, healthcare, active military, and other qualifying professions) offering up to 5% of the first-mortgage amount, capped at $35,000, as a 0%, non-amortizing second mortgage. First-time buyer required and buyer must be employed full-time by a Florida-based employer.
Florida Assist Second Mortgage (FL Assist)
Florida Housing FL Assist offers up to $10,000 as a 0%, non-amortizing, deferred second mortgage that becomes due upon sale, refinance, transfer, or when the first mortgage is satisfied. Pairs with FL Housing first-mortgage programs (FHA, VA, USDA, Conventional).
Homebuyer Loan Program (HLP) — Florida
Florida Housing HLP provides up to $10,000 at 3% interest as a fully amortizing 15-year second mortgage layered with a Florida Housing first mortgage. First-time buyer requirement and monthly payment underwritten in DTI.
Miami-Dade County Infill Housing / DPA
Miami-Dade County Public Housing and Community Development offers deferred second-mortgage DPA up to $28,500 for income-qualified first-time buyers purchasing inside county limits. Loan is forgiven proportionally over 30 years of continuous owner-occupancy.
Orange County (Orlando) Down Payment Assistance
Orange County Housing & Community Development offers up to $60,000 for income-qualified buyers of homes inside Orange County (excludes Orlando city limits which have their own program). Provided as a 0%, deferred, forgivable second mortgage.
City of Jacksonville Head Start to Homeownership (HAP)
The City of Jacksonville Head Start to Homeownership Program provides up to $10,000 as a 0% forgivable second mortgage over 10 years for first-time buyers purchasing inside Duval County limits.
FHLBank Atlanta Homeownership Set-Aside (AHP)
Affordable Housing Program set-aside funds for income-eligible Florida buyers, available only through lenders that are FHLBank Atlanta members. Funds may be structured as a grant or as secondary financing layered with an FHA first mortgage; household income generally must be at or below 80% of area median income, and each year’s funding allocation is limited. Grant structures use a recorded retention agreement (a deed restriction, not a lien); lien structures are underwritten as second mortgages.
Grant OR second lien — FHLBank Atlanta and the member lender that holds the allocation set the structure. Per HUD Handbook 4000.1 (Update 18), either structure is acceptable with FHA financing; if the funds create a lien they are treated as secondary financing, not a gift — even if no payments are required or the balance is forgiven over time.
Set-aside funds are available only through FHLBank Atlanta member institutions, and annual allocations are limited. Simply Approved Mortgages LLC is not an FHLBank member and does not administer these funds — this entry is educational so you can compare it against options we offer. Not affiliated with the FHLBank system, FHFA, or HUD.
Mortgage Credit Certificate (MCC)
IRS Mortgage Credit Certificate program administered by state and local HFAs. Converts up to 20–30% of your annual mortgage interest into a dollar-for-dollar federal income tax credit for the life of the loan. Not DPA cash — a lifetime tax benefit. Must be a first-time buyer (or in a targeted area) and stay in the home as your primary residence.
Educational tool only. Program terms, income caps, funding availability, and eligible property types change frequently and vary by county. This list is not exhaustive — many counties, cities, employers, and non-profits offer additional DPA. Simply Approved Mortgages LLC (NMLS# 2620881) is not affiliated with, endorsed by, or sponsored by HUD, FHA, VA, USDA, or any state Housing Finance Agency. Verify all program details directly with the administering agency before you apply. Not a quote, lock, offer, or commitment to lend.
Next steps
Emailing your Down payment assistance finder 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.
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.
Florida First-Time Buyer Payment Calculator
Estimate a full PITI payment on your Florida First-Time Buyer with a plain-English breakdown of principal & interest, property taxes, homeowner's insurance, and HOA — plus a loan amortization summary. Illustrative only; your Loan Estimate will show the binding figures.
Monthly payment breakdown
Loan amortization summary (30-year term)
Assumes a fixed-rate 30-year loan held to maturity with no prepayments. Actual amortization varies with extra principal payments, escrow adjustments, PMI/MIP, and any rate resets on an ARM.
Use my estimate — see today's rates
We'll pre-fill your calculator numbers into the quote form below. A Simply Approved Mortgages Loan Officer will personally connect with you to walk through your scenario.
Pre-approval is a soft check with no SSN and no hard credit pull. Not a loan approval or commitment to lend — binding figures appear on your federally required Loan Estimate.
Turn these numbers into a real pre-approval
Continue on our secure application page. Your Simply Approved Mortgages Loan Officer will review your numbers and follow up within one business day.
No obligation. Soft-pull options may be available.*
First-time buyer tool
PMI vs FHA MIP calculator
Put in a home price, down payment, and credit tier. See how conventional PMI and FHA mortgage insurance change your monthly payment — and how much extra cash you would need to put 20% down and skip insurance entirely.
Your scenario
20% down
No PMI / MIPNo mortgage insurance required. Lowest monthly payment, but highest cash at closing.
Conventional 10% down
PMIPMI auto-drops at 78% LTV per the Homeowners Protection Act. PMI rate estimate: 0.35% annually.
FHA 10% down
MIPIncludes 1.75% UFMIP financed. Annual MIP 0.50% — stays for life of loan when original LTV > 90%.
Figures are illustrative only — not a quote, lock, offer, or commitment to lend. Conventional PMI rates vary by mortgage insurer, credit score, and LTV. FHA Annual MIP rates; UFMIP is 1.75% of the base loan amount and is typically financed. Binding figures appear on your Loan Estimate after a complete application. Simply Approved Mortgages LLC, NMLS# 2620881. Equal Housing Opportunity.
Next steps
Emailing your PMI vs FHA MIP calculator 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.
Today's rates
Live ratesLive pricing. Rates are retrieved from our pricing provider when you run a scenario.Real rates — your scenario, not a guess
Today's rate options below refresh twice each business day from our wholesale pricing engine; run your own scenario in the pricing tool. National survey averages below give you market context — they're not Simply Approved's pricing.
Our live pricing engine
See your real rate — for your scenario, in our pricing tool
Pull live, scenario-specific pricing from our wholesale pricing engine. Your binding rate and APR are confirmed on your Loan Estimate after a quick file review.
See My Live Rate →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.
National market context
Freddie Mac PMMS — weekly U.S. averages
Loading latest PMMS averages…
PMMS figures shown above are Freddie Mac's national survey averages, published weekly by Freddie Mac (PMMS_history.csv) — they are not Simply Approved Mortgages' rates, not a quote, not a lock, and not an offer or commitment to lend. Your actual rate, APR, and payment depend on credit profile, loan program, occupancy, LTV, DTI, property type, lock period, and current market pricing at the time of lock. Your binding figures appear on your Loan Estimate. Simply Approved Mortgages LLC · NMLS# 2620881 · Equal Housing Opportunity.
Document Checklist for Florida First-Time Buyer
Gathering these documents up front helps your Simply Approved Mortgages Loan Officer issue a stronger pre-approval and move Florida First-Time Buyer to Clear-to-Close faster. Actual items required vary by scenario — your loan officer will confirm the final list.
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 Reports and Credit Monitoring for Florida First-Time Buyer
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.
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.
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.
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.
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.
Florida first-time home buyer FAQs
Answers to the most common Florida first-time home buyer questions, written by licensed loan officers.
Talk through your Florida first-time buyer numbers
Share your budget, credit profile, and target county and a Simply Approved Mortgages Loan Officer will walk through the programs and assistance you may qualify for. Educational review — not a quote, lock, offer, or commitment to lend.
Trusted government resources
These independent government resources can help you research mortgage programs, rates, and your rights before you apply.
Florida Housing
Florida Housing Finance Corporation — Homebuyer Programs
FEMA
FEMA — Flood Map Service Center
HUD
HUD — Florida Homeownership
CFPB
CFPB — Owning a Home
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.
Mortgage pre-approval in Florida metros
City-specific pre-approval guides with local median prices, DPA programs, closing costs, and taxes for Florida's top metros.
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
First-Time Home Buyer National Guide
The complete renter-to-keys playbook.
Read the guide →Guide
Florida Purchase Mortgages
Full statewide purchase-mortgage guide.
Read the guide →Guide
Florida FHA Loans
FHA layered with Florida Housing overlays.
Read the guide →Guide
Down Payment Assistance
National DPA screener.
Read the guide →Guide
Get Pre-Approved
Underwriter-reviewed letter.
Read the guide →Guide
Affordability Calculator
See what payment fits your income.
Read the guide →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.
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.
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.
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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.