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, 2026.
Company information
- Legal name: Simply Approved Mortgages
- Business type: Mortgage brokerage
- NMLS Unique Identifier: 2620881
- Website: https://simplyapprovedmortgages.com
- Contact: our contact form
- Hours: Mon – Fri, 8 AM – 7 PM ET · Sat, 9 AM – 2 PM ET
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 our contact form. 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 our contact form, or calling 877-813-7219.
Contact Us
If you have questions about our licensing or disclosures, please contact us:
- 📧 Email: our contact form
- 📞 Phone: 877-813-7219
- 📍 Address: 633 W 5th ST STE 2600, Los Angeles, CA 90071
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
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
See your reverse mortgage numbers on paper.
A licensed Simply Approved Mortgages loan officer reviews your estimate with you — line by line — so you can compare a HECM against a HELOC, a refinance, or staying put.
- Side-by-side payout comparison
- Upfront and ongoing cost estimate
- HUD counseling walked through
- Answers to your heirs questions
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 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 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 MeridianLink
- 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.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
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.