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Privacy Policy

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

This Privacy Policy explains what personal information Simply Approved Mortgages collects, why we collect it, how we use and share it, and the choices you have. Last updated: January 2, 1970.

Privacy policy for Simply Approved Mortgages reverse mortgage website

1. Who we are

This website is operated by Simply Approved Mortgages (Simply Approved Mortgages NMLS #2620881), a licensed mortgage brokerage. References to "we," "us," and "our" mean Simply Approved Mortgages. If you have privacy questions, contact us at leads@simplyapprovedmortgages.com.

2. Information we collect

  • Information you provide: name, email, phone, age, co-borrower age, property address, estimated home value, mortgage balance, loan purpose, and credit self-assessment submitted through our calculator or contact forms.
  • Automatically collected: IP address, browser, device type, pages visited, referring URL, and timestamps via cookies, pixels, and server logs.
  • Third-party data: automated home value estimates (AVM) from RentCast and address suggestions from Google Places when you enter an address.

3. How we use your information

  • Generate a reverse mortgage estimate and home value estimate for you.
  • Contact you by phone, email, or SMS about your inquiry and reverse mortgage options.
  • Send confirmation and follow-up emails from our team.
  • Improve site performance, security, and content.
  • Comply with legal, regulatory, and licensing obligations.

4. How we share your information

We share the information you submit through the lead form with our licensed loan originators at Simply Approved Mortgages and, when appropriate, with HUD-approved HECM wholesale lenders who may fund your loan. We also share limited data with service providers who help us operate the site (hosting, email delivery, analytics, AVM). We do not sell your personal information.

5. Cookies & analytics

We use cookies and analytics tools (such as Google Analytics, Meta Pixel, or similar) to measure traffic and improve the site. You can disable cookies in your browser settings; some features may not work properly if you do.

6. Communications, TCPA & E-SIGN consent

Express written consent. By submitting the lead form, calculator, contact form, or otherwise providing your telephone number or email to Simply Approved Mortgages, you expressly consent and agree that Simply Approved Mortgages, its affiliates, service providers, lending partners, and their agents may contact you at the phone number(s) and email address(es) you provide — including your wireless/cellular number — for any purpose related to your inquiry, application, and reverse mortgage options, using any of the following methods:

  • Live telephone calls
  • Artificial or prerecorded voice messages
  • SMS and MMS text messages
  • Email, including transactional and marketing email
  • Artificial intelligence (AI) voice, AI chat, and AI-assisted follow-up communications

This consent applies even if your telephone number is listed on any federal, state, corporate, or internal Do Not Call (DNC) registry. You acknowledge that consent is not a condition of purchasing any product or service and that you can still request information without providing this consent by calling us directly at 877-813-7219. Message and data rates may apply. Message frequency varies. Text HELP for help.

How to opt out. You may withdraw this consent and stop receiving communications at any time by:

  • Replying STOP, END, QUIT, CANCEL, or UNSUBSCRIBE to any SMS message from us
  • Clicking the unsubscribe link at the bottom of any marketing email
  • Emailing us at support@simplyapprovedmortgages.com with the subject line "UNSUBSCRIBE"
  • Calling us at 877-813-7219 and asking to be removed
  • Sending written notice to the address in Section 10 below

Opt-out requests are processed within 10 business days for SMS and email marketing and within 30 days for internal DNC. You may continue to receive transactional messages (e.g., loan status, disclosures required by law) after opting out of marketing.

E-SIGN Act consent. By submitting a form on this site, you consent to receive disclosures, notices, and records electronically. You may request paper copies by contacting us. You confirm your device can access PDF and HTML documents.

7. Data retention

We retain lead and application information for as long as needed to service your inquiry, comply with federal and state record-retention laws (typically 25+ months for mortgage records under Regulation B), and defend legal claims.

8. Your privacy rights

Depending on your state (including California, Colorado, Connecticut, Virginia, Utah, Texas, Oregon, Montana, and others), you may have the right to access, correct, delete, or receive a copy of your personal information, to opt out of targeted advertising or "sale/sharing" of personal information, and to appeal a denial. California residents have additional rights under the CCPA/CPRA. To exercise these rights, email support@simplyapprovedmortgages.com. We do not sell personal information for money and do not knowingly process the personal information of minors for sale or targeted advertising.

9. Security, children & changes

We use industry-standard administrative, technical, and physical safeguards to protect your information. No method of transmission over the internet is 100% secure, so we cannot guarantee absolute security. Our services are directed to adults age 62 and older; we do not knowingly collect information from anyone under 18. We may update this Privacy Policy from time to time — the "Last updated" date at the top reflects the most recent changes and continued use of the site constitutes acceptance.

10. Contact Us

If you have questions about this Privacy Policy or how your information is handled, 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.