Simply Approved Mortgages
Proceso

Cómo se obtiene un préstamo DSCR o para inversionistas.

Un proceso de 5 pasos diseñado para inversionistas que necesitan claridad y velocidad.
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Del escenario al cierre

1. Envíe su escenario

Complete el formulario corto de pre-calificación o programe una llamada. Comparta los datos básicos de la propiedad, su entidad y la estructura deseada.

2. Revisión inicial

Un oficial de préstamos revisa su escenario y le indica qué programas y prestamistas mayoristas encajan, generalmente el mismo día hábil.

3. Autorización de crédito y documentos

Autorice el crédito y cargue documentos de entidad, propiedad, reservas y contrato/arrendamientos de forma segura.

4. Cotización y aprobación

Reciba una cotización formal con tasa, puntos, plazo, reservas y condiciones. El prestamista mayorista emite la aprobación condicional tras la suscripción.

5. Cierre

Ordenamos título, avalúo y seguro. Usted cierra en la mesa designada y el préstamo se financia.

¿Listo para comenzar?

Envíenos su escenario y le indicamos el camino más rápido.

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Credit & pre-approval

Why we pull credit for your investor loan pre-approval

Every DSCR / business-purpose loan file needs a tri-merge credit report so we can verify identity, price your rate tier accurately, and confirm reserves and payment history for the underwriter. Cleaner credit typically unlocks a better rate and higher leverage.

Pay for your credit report — SmartPay

Simply Approved Mortgages uses MeridianLink SmartPay to securely collect the credit report fee for your investor pre-approval. Payment goes directly to the credit vendor — not to us — and unlocks your tri-merge report (Equifax, Experian, TransUnion) so your loan officer can price your file.

  • Secure, PCI-compliant checkout hosted by MeridianLink
  • Required for a formal investor 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.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 investor loan 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 does not profit from the credit pull. MyITINCredit is an independent third-party service; pricing, terms, and features are set by that provider.

Investor newsletter

Rates, market shifts, and program changes — in your inbox.

Periodic investor updates: rate movement, guideline and program changes, and market data refreshes. No spam, unsubscribe anytime.

  • DSCR rate snapshots
  • Program & guideline updates
  • Illustrative investor scenarios
  • Market data notes
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Investor newsletter

Periodic DSCR rate updates, market data refreshes, and program changes. No spam, and we never sell your address.

I agree to receive periodic investor market and program update emails from Simply Approved Mortgages LLC. I can unsubscribe at any time. Submitting this form records your consent and the page you signed up from. It is not a loan inquiry and does not start an application.

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