Contact Us
Published:
Have a question about reverse mortgages, our estimate tool, or something else? Send us a message and a real person from our team will get back to you — typically within one business day.
Get your Reverse Mortgage Estimate Summary.
Complete the short estimate form and we send back a full HECM summary: your estimated principal limit, complimentary home value estimate, payoff of any existing mortgage, and estimated proceeds available to you.
- Complimentary home value estimate
- Estimated principal limit for your age
- Existing mortgage payoff included
- Lump sum, line of credit, or monthly options
Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Subject to HUD counseling, appraisal, credit and income review, and final lender approval. You remain responsible for property taxes, insurance, and home maintenance.
Estimate summary
- Home value estimate
- $412,000
- Youngest borrower age
- 72
- Estimated principal limit
- $219,400
- Existing mortgage payoff
- $68,000
- Estimated proceeds available
- $151,400
Simply Approved Mortgages • NMLS #2620881 • Equal Housing Opportunity
Our Offices
Visit us by appointment, or reach us any time through the contact form. Simply Approved Mortgages arranges residential mortgage loans in Florida and Colorado only — office locations are not a representation of licensing in other states.
(877) 813-7219 · support@simplyapprovedmortgages.com
Head Office
Simply Approved Mortgages LLC
633 W 5th St, Suite 2600Los Angeles, CA 90071Simply Approved Mortgages LLC | NMLS #2620881
Head-office and contact location only. This address does not represent authority to arrange consumer residential mortgage loans in California.
Florida Branch Office
Simply Approved Mortgages LLC
1221 Brickell Ave, Suite 954Miami, FL 33131Florida Branch Office (Miami, FL) | Branch NMLS #2688012
Florida Mortgage Broker License #MBR7685
Simply Approved Mortgages LLC | NMLS #2620881
Licensing & 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 lenders and do not make the lender's final credit decision or fund the loan. We arrange residential mortgage loans in Florida and Colorado.
Reverse mortgages are loans. A reverse mortgage is a loan secured by your home and is not free money or a government benefit. Interest and applicable fees are added to the loan balance, which generally increases over time. The loan must eventually be repaid. You retain title to your home, subject to the mortgage or lien securing the reverse mortgage.
HECM loans. A Home Equity Conversion Mortgage (HECM) is a reverse mortgage insured by the Federal Housing Administration (FHA), part of the U.S. Department of Housing and Urban Development (HUD). HECMs are generally available to homeowners age 62 or older who meet applicable program, property, occupancy, financial assessment, counseling, and other eligibility requirements. FHA insurance protects the HECM program and provides certain protections; it does not constitute government approval of the borrower or endorsement of Simply Approved Mortgages LLC.
Borrower obligations. HECM borrowers must continue to satisfy applicable loan obligations, including occupying the property as their principal residence, paying property charges such as property taxes and homeowners insurance when due, and maintaining the home in accordance with applicable requirements. Other property charges may also apply, including flood insurance, condominium or homeowners association charges, ground rents, or assessments where applicable. Failure to satisfy applicable loan obligations may cause the loan to become due and payable and could result in foreclosure.
Repayment. A HECM generally becomes due and payable when the last applicable borrower dies, sells the home, or no longer occupies the property as a principal residence, subject to applicable HUD requirements and protections, including certain protections that may apply to an eligible non-borrowing spouse. A HECM may also become due and payable earlier if applicable borrower obligations are not satisfied.
Independent counseling. HECM borrowers are required to complete counseling with a HUD-approved housing counseling agency as part of the HECM process. The counseling agency is independent of Simply Approved Mortgages LLC and the lender. Consumers may select an eligible HUD-approved counselor.
Credit and program terms. All reverse mortgage loans are subject to applicable program requirements, lender approval, financial assessment, acceptable appraisal, title review, property eligibility, insurance, counseling requirements where applicable, and supporting documentation. Available proceeds, rates, fees, mortgage insurance premiums, closing costs, payment options, and terms vary based on borrower age, property value, existing liens, interest rates, program requirements, lender, and other applicable factors and may change without notice. Nothing on this site constitutes loan approval, a rate lock, an offer, a commitment to lend, or a guarantee of proceeds, terms, or closing.
Rates, proceeds and calculators. Reverse mortgage proceeds, principal-limit estimates, home values, available equity, rates, loan balances, costs, and other calculator or scenario results displayed on this site are estimates or illustrations unless expressly stated otherwise. Actual proceeds and terms may differ. Calculator results do not constitute an appraisal, loan approval, rate lock, commitment to lend, or guarantee. Advertised rates, proceeds, payments, costs, and other credit terms are subject to the assumptions and disclosures presented with the applicable advertisement.
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, or any other federal, state, or local government agency. References to HUD, FHA, HECM, government programs, data, forms, or resources are provided for informational purposes and do not imply government sponsorship or endorsement of Simply Approved Mortgages LLC.
No professional advice. Site content is educational and general in nature and is not legal, tax, accounting, estate-planning, financial, investment, or government-benefits advice. Reverse mortgages may have financial, tax, estate, inheritance, and public-benefit considerations. Consumers should consult appropriate qualified professionals regarding their individual circumstances.
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.
Third-party content. References or links to HUD, FHA, government agencies, lenders, counseling agencies, 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.
Your numbers plus the 2026 Reverse Mortgage Guide.
Request your estimate and we include the 21-page plain-English guide: who qualifies at 62+, what a HECM costs, payout options, ongoing obligations, and the questions to ask before you sign.
- 21-page guide, no jargon
- HUD/FHA program rules explained
- Costs and fees broken down
- Questions to ask any loan officer
Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Subject to HUD counseling, appraisal, credit and income review, and final lender approval. You remain responsible for property taxes, insurance, and home maintenance.
Estimate summary
- Home value estimate
- $412,000
- Youngest borrower age
- 72
- Estimated principal limit
- $219,400
- Existing mortgage payoff
- $68,000
- Estimated proceeds available
- $151,400
Simply Approved Mortgages • NMLS #2620881 • Equal Housing Opportunity
Why we pull credit for your reverse mortgage pre-approval
HUD requires a Financial Assessment for every HECM reverse mortgage, including a review of your credit history and record of paying property taxes and homeowners insurance. As part of our standard broker/lender pre-approval process, we typically order a tri-merge credit report through a HUD-approved credit vendor to verify identity, review obligations, and confirm that you can continue paying property taxes, homeowners insurance, and maintenance after closing. Whether a tri-merge is required, and any fees, are set by the wholesale lender and credit vendor — not by HUD as a stand-alone rule.
Pay for your credit report — SmartPay
Simply Approved Mortgages uses SmartPay to securely collect the credit report fee for your reverse mortgage pre-approval. Payment goes directly to the credit vendor — not to us — and unlocks a tri-merge credit report (Equifax, Experian, TransUnion) that your loan officer uses to complete the broker/lender pre-approval file for HUD's Financial Assessment.
- Secure, PCI-compliant checkout hosted by SmartPay
- Standard step in our broker/lender pre-approval process (not a HUD stand-alone requirement)
- Optional — you can decline; your loan officer will explain any impact on your options
You'll be redirected to cic.cra.xedalink.net (SmartPay).
Check your credit first — $1 trial at MyITINCredit
Before you apply, it's smart to know exactly where your credit stands. MyITINCredit offers a $1 trial for 15 days that includes all three credit reports and scores (Equifax, Experian, TransUnion), plus ongoing credit monitoring so you can catch errors, dispute inaccuracies, and watch for identity theft.
- See all 3 bureau reports & scores before your lender does
- Ongoing monitoring alerts you to new accounts or score changes
- Fix errors early — cleaner credit can widen your reverse mortgage options
You'll be redirected to myitincredit.com. Third-party service — terms apply.
Credit report fees are paid directly to the credit vendor. Simply Approved Mortgages (NMLS #2620881) does not receive compensation from these credit services. MyITINCredit is an independent third-party service; pricing, terms, and features are set by that provider.
Add Simply Approved Mortgages as a preferred source on Google
If our reverse mortgage explainers are useful to you, Google lets you choose which publishers you see more of. In Google Search, run a search on a topic you follow, open Preferred sources from the Top stories panel, search for Simply Approved Mortgages, and select it. The setting lives in your own Google account, applies only to what you see, and can be changed or removed at any time.
How preferred sources work in Google Search →Simply Approved Mortgages is not affiliated with, endorsed by or approved by Google, and selecting a preferred source does not change search rankings for anyone else.
Ready to See Your Reverse Mortgage Numbers?
Get your personalized HECM estimate from a Simply Approved Mortgages licensed loan officer, or run the numbers yourself with our calculator — free and with no obligation.