Terms of Use

Acceptance of these terms

By accessing or using this website, you agree to these Terms of Use. If you do not agree, please do not use the site. We may update these terms as our services, programs, or regulatory obligations change; the version posted here is the current one, and continued use after an update means you accept the revised terms.

Who we are and what we do

We are a brokerage, not a lender: we place your file with wholesale investors rather than funding it ourselves. Residential lending is limited to Florida and Colorado, with business-purpose products available in additional states only where the law and our licensing permit. The complete licensing statement appears at the bottom of this page, and our company record is public through NMLS Consumer Access under NMLS# 2620881.

Educational content, not advice

Everything published here — guides, program explanations, comparisons, glossary entries, and market context — is general education. It does not account for your individual circumstances and is not financial, legal, tax, or investment advice. Program rules described on this site are our plain-language summaries of agency and lender requirements; the governing requirement is always the current rule published by the applicable agency or applied by the lender underwriting your file. For tax questions, consult a qualified tax professional; for legal questions, an attorney.

No offer, approval, or commitment to lend

Nothing on this site is an offer to lend, a rate lock, a pre-approval, an approval, or a commitment to lend. Any rate, payment, fee, or savings figure shown anywhere on the site is illustrative and is not a quote, lock, offer, or commitment to lend; binding figures appear on your Loan Estimate. Eligibility, terms, conditions, and availability vary by borrower, property, lender, loan program, and state, and all loans are subject to lender underwriting and approval.

Calculators, estimates, and data

Our calculators return estimates based on the inputs you provide and the assumptions disclosed on each tool. They may omit costs that apply to your transaction, such as association dues, flood insurance, specialty endorsements, or local transfer taxes. Data points sourced from government and industry publishers are shown with their source and, where relevant, an as-of date; those sources publish on their own schedules and may revise figures after we retrieve them. Our sourcing and review practices are described on our Data Sources and Methodology page.

Live pricing, Ask Sam AI, and interactive tools

Live rate cards and the pricing tool show example wholesale pricing for the scenario shown or entered, at the time displayed. Pricing changes throughout the day, is not locked, and is not an offer. Ask Sam AI is an automated assistant that gives general educational answers; it can make mistakes, is not a loan officer, cannot approve, lock, or quote a loan, and should not be given Social Security numbers, account numbers, or passwords. Confirm anything important with a Simply Approved Mortgages Loan Officer and your Loan Estimate.

Third-party links

We link to government agencies and other outside resources because verifiable sources matter. We do not control those sites, do not endorse their commercial content, and are not responsible for their accuracy, availability, or privacy practices. Simply Approved Mortgages LLC is not affiliated with, endorsed by, or acting on behalf of HUD, FHA, VA, USDA, FHFA, the CFPB, or any other government agency.

Acceptable use

You agree not to submit false or another person's information, attempt to access systems or accounts you are not authorized to use, introduce malicious code, interfere with site operation, or use any tool or form for anything other than a genuine inquiry. Automated scraping, bulk rate harvesting, framing, or automated form submission without our written permission is prohibited. We may block access or remove submissions that violate these terms.

Intellectual property

The text, graphics, tools, and design of this site belong to Simply Approved Mortgages LLC or its licensors and are protected by copyright and trademark law. You may view and share links to pages for personal, non-commercial use. Copying, republishing, or creating derivative works without written permission is not allowed.

Communications consent

If you agree on a form to be contacted, you may receive calls, texts, and emails as described in our Privacy Policy. Consent is not a condition of obtaining credit, and you can opt out at any time by replying STOP or using the unsubscribe link.

Your submissions

Information you submit through forms is used to respond to your inquiry and, where applicable, to evaluate and place a loan request. Our handling of personal information is described in our Privacy Policy. Do not submit sensitive personal information through general contact channels; use our secure application instead.

Limitation of liability

This site is provided on an as-is basis. To the fullest extent permitted by law, Simply Approved Mortgages LLC and its parent company, Simply Approved Corporation, are not liable for indirect, incidental, or consequential damages arising from your use of, or inability to use, this site or its tools, including decisions made in reliance on an estimate rather than on issued loan disclosures. Nothing in these terms limits any right you have under applicable consumer protection law.

Governing terms and contact

These terms are governed by the laws applicable to Simply Approved Mortgages LLC's principal place of business, without regard to conflict-of-law rules, and are subject to any consumer protections required by the state in which you reside. Questions about these terms can be directed to support@simplyapprovedmortgages.com or 877-813-7219.