DMCA Copyright Policy
Published:
Simply Approved Mortgages respects the intellectual property rights of others. This page explains how copyright holders can report infringing content and how affected users can respond. Last updated: January 2, 2026.
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
Notice of infringement
If you believe that content on Simply Approved Mortgages infringes your copyright, please send a written notice to our designated DMCA agent that includes all of the following information required by 17 U.S.C. § 512(c)(3):
- A physical or electronic signature of the copyright owner or a person authorized to act on their behalf.
- Identification of the copyrighted work claimed to have been infringed.
- Identification of the material claimed to be infringing, and information reasonably sufficient to allow us to locate it (for example, the URL).
- Your contact information, including your address, telephone number, and email address.
- A statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law.
- A statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf.
Designated DMCA agent
Please send notices to our designated agent:
- Simply Approved Mortgages LLC — Attn: DMCA Agent
- 633 W 5th ST STE 2600, Los Angeles, CA 90071
- Contact form: simplyapprovedreversemortgages.com/contact (subject line "DMCA Notice")
- Phone: 877-813-7219
Counter-notice
If you believe content of yours was removed in error, you may send our DMCA agent a counter-notice containing the information required by 17 U.S.C. § 512(g)(3), including your signature, identification of the removed content, a statement under penalty of perjury that you have a good-faith belief the content was removed by mistake, and your contact information plus consent to jurisdiction of the federal court in the district where you reside (or, if outside the U.S., in Los Angeles County, California).
Repeat infringers
In appropriate circumstances we will terminate the accounts of users determined to be repeat infringers, in accordance with the DMCA.
False claims
Under 17 U.S.C. § 512(f), any person who knowingly materially misrepresents that content is infringing (or that content was removed by mistake) may be liable for damages. Please do not make false claims.
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.