Simply Approved Mortgages
Español
Legal

Disclosures & Licensing

Last updated: · Reviewed by Simply Approved Mortgages (NMLS #2620881)

Simply Approved Mortgages is a licensed mortgage brokerage (NMLS #2620881) licensed in Florida (FL) and Colorado (CO). This page lists our licensing, broker disclosures, and how to verify our credentials. Last updated: January 2, 1970.

Simply Approved Mortgages licensing and NMLS disclosures

Company information

Verify our license

You can independently verify Simply Approved Mortgages's licensing on NMLS Consumer Access using NMLS ID #2620881. NMLS Consumer Access is the free public database maintained by the Nationwide Multistate Licensing System.

State licensing

Simply Approved Mortgages is currently licensed to originate mortgage loans in Florida (FL) and Colorado (CO). We only accept applications from residents of states in which we are properly licensed. A full, current list of our licenses and state authorizations is available on our NMLS Consumer Access profile using NMLS ID #2620881.

  • Florida (FL): Licensed mortgage brokerage. License details available on NMLS Consumer Access.
  • Colorado (CO): Licensed mortgage brokerage. License details available on NMLS Consumer Access.

Broker disclosure

Simply Approved Mortgages is a licensed mortgage brokerage. Reverse mortgage loans are funded by third-party HUD-approved HECM lenders. As a broker, Simply Approved Mortgages does not make credit decisions or fund loans directly. We help you compare and submit your reverse mortgage application to a HUD-approved HECM wholesale lender for underwriting and closing. Compensation to the broker is disclosed on your Loan Estimate as required by RESPA and TRID.

HUD counseling requirement

Every HECM applicant is required by HUD to complete independent counseling with a HUD-approved counseling agency before an application can be processed. Counseling helps you understand the loan, your obligations, and alternatives. Find a counselor at HUD's counseling agency locator.

Equal Housing Opportunity

Simply Approved Mortgages is an Equal Housing Opportunity brokerage. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, age, marital status, or receipt of public assistance.

Filing a complaint

If you have a complaint about our services, please contact us first at leads@simplyapprovedmortgages.com. You may also file a complaint with your state mortgage regulator or with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.

Government affiliation

Simply Approved Mortgages and Simply Approved Mortgages are not acting on behalf of, or at the direction of, HUD, FHA, or any other government agency.

Consent to be contacted (TCPA)

By submitting the lead form, calculator, or any contact form, you provide express written consent for Simply Approved Mortgages and its agents to contact you at the phone number(s) and email address(es) you provide — including your wireless number — by live call, prerecorded or artificial voice, SMS/MMS text, email, and AI-assisted voice, chat, or follow-up, even if your number is on any Do Not Call registry. Consent is not a condition of any purchase. You may unsubscribe any time by replying STOP to SMS, clicking the unsubscribe link in any email, emailing support@simplyapprovedmortgages.com, or calling 877-813-7219.

Contact Us

If you have questions about our licensing or disclosures, please contact us:

Credit & pre-approval

Why we pull credit for your reverse mortgage pre-approval

HUD requires a Financial Assessment for every HECM reverse mortgage. That includes a tri-merge credit report so we can verify your identity, review your obligations, and confirm you can continue paying property taxes, homeowners insurance, and maintenance after closing.

Pay for your credit report — SmartPay

Simply Approved Mortgages uses MeridianLink 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 your tri-merge report (Equifax, Experian, TransUnion) so your specialist can complete your HUD Financial Assessment.

  • Secure, PCI-compliant checkout hosted by MeridianLink
  • Required for a formal HECM pre-approval decision
  • Soft-touch process — your loan officer will guide you through it
Pay for credit report securely

You'll be redirected to cic.meridianlink.com (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
Start $1 / 15-day trial

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 profit from the credit pull. MyITINCredit is an independent third-party service; pricing, terms, and features are set by that provider.