What does our licensing & state disclosures cover?
Simply Approved Mortgages is licensed in Florida and Colorado. Business-purpose loans to LLCs and legal entities in additional states where permitted. Final eligibility, pricing, and terms are subject to a complete application, credit and property review, and full underwriting.
- Simply Approved Mortgages is licensed in Florida and Colorado.
- Business-purpose loans to LLCs and legal entities in additional states where permitted.
- Every figure shown is an estimate for business-purpose investment property financing only — not an offer or commitment to lend.
- Simply Approved Mortgages is a licensed mortgage broker (NMLS #2620881), licensed for residential lending in Florida and Colorado and arranging business-purpose investor loans across our approved 37-jurisdiction footprint.
Simply Approved Mortgages LLC | NMLS #2620881
Florida Branch Office (Miami, FL) | Branch NMLS #2688012
Florida Mortgage Broker License #MBR7685 | Colorado Mortgage Company Registration
Business Phone: (877) 813-7219
Broker identification. Simply Approved Mortgages LLC is a mortgage broker and is not a direct lender. We arrange loans with third-party wholesale lenders; we do not make the lender's final credit decision or fund the loan. We arrange residential mortgage loans in Florida and Colorado. Business-purpose loan products may be arranged in additional states only where permitted by applicable law and pursuant to applicable licensing requirements or exemptions.
Business-purpose use. DSCR and other investment-property loan products described on this site are intended for business-purpose, non-owner-occupied real estate transactions and are not intended for the purchase or refinance of a borrower's primary residence. Borrowers are responsible for accurately disclosing occupancy and intended use. Business-purpose loans may not receive all disclosures or protections that apply to consumer-purpose residential mortgage loans; documents and disclosures applicable to a particular transaction will be provided as required by law.
Credit and program terms. All loans are subject to lender credit approval, underwriting, acceptable appraisal or valuation, title review, insurance, and supporting documentation. Eligibility, programs, rates, points, fees, payments, terms, loan amounts, leverage, and availability may vary by borrower, guarantor, property, occupancy, credit profile, loan-to-value ratio, debt-service coverage ratio, lender, and state, and may change without notice. Not all applicants, properties, products, or programs will qualify or be available in every state. No information on this site constitutes a loan approval, rate lock, offer, commitment to lend, or guarantee of terms or closing.
Illustrations and calculators. Rates, payments, property values, rents, cash flow, loan amounts, closing costs, and other calculator or scenario results are estimates for educational and illustrative purposes only. Actual results may differ. Taxes, insurance, association dues, reserves, lender charges, broker compensation, third-party costs, prepayment provisions, and other transaction terms may apply. Complete terms and applicable compensation will be disclosed in the transaction documents required for the specific loan. Nothing on this site constitutes an appraisal or a guarantee of value, rent, occupancy, income, savings, investment performance, or future results.
No professional advice. Site content is general information and is not legal, tax, accounting, financial, or investment advice. Borrowers and investors should conduct their own due diligence and consult qualified professionals regarding their circumstances and the legal, tax, financial, and investment consequences of a transaction.
Fair lending. Equal Housing Opportunity. Simply Approved Mortgages LLC conducts business in accordance with applicable federal and state fair-housing and equal-credit-opportunity laws and does not discriminate on any prohibited basis.
Government and third-party content. Simply Approved Mortgages LLC is not affiliated with or endorsed by HUD, FHA, VA, USDA, or any other government agency. References and links to government data, agencies, third-party websites, lenders, products, or services are provided for information or convenience and do not imply approval, sponsorship, or endorsement. We do not control and are not responsible for third-party content, availability, accuracy, or privacy practices.
NMLS Consumer Access: Verify Simply Approved Mortgages LLC, NMLS #2620881.
Business-purpose loans on non-owner-occupied 1–4 unit residential investment property are generally arranged to an entity borrower (LLC, LP, corporation) where permitted by state law. State-specific notes:
- Alabama (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Alabama.
- Alaska (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Alaska.
- Arkansas (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Arkansas.
- Colorado (Licensed): Simply Approved Mortgages LLC (NMLS #2620881) is a mortgage broker, not a direct lender, and holds a Colorado Mortgage Company Registration. We arrange residential mortgage loans in Colorado, and business-purpose LLC loans where permitted by applicable law and program guidelines.
- Connecticut (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Connecticut.
- District of Columbia (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in the District of Columbia.
- Delaware (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Delaware.
- Florida (Licensed): Simply Approved Mortgages LLC (NMLS #2620881) is a mortgage broker, not a direct lender, and holds Florida Mortgage Broker License #MBR7685. We arrange residential mortgage loans in Florida, and business-purpose LLC loans where permitted by applicable law and program guidelines.
- Georgia (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Georgia.
- Hawaii (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Hawaii.
- Illinois (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Illinois.
- Indiana (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Indiana.
- Kansas (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Kansas.
- Kentucky (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Kentucky.
- Louisiana (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Louisiana.
- Maine (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Maine.
- Maryland (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Maryland.
- Massachusetts (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Massachusetts.
- Michigan (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Michigan.
- Mississippi (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Mississippi.
- Missouri (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Missouri.
- New Jersey (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in New Jersey.
- New Hampshire (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in New Hampshire.
- New Mexico (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in New Mexico.
- New York (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in New York.
- Ohio (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Ohio.
- Oklahoma (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Oklahoma.
- Pennsylvania (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Pennsylvania.
- Rhode Island (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Rhode Island.
- South Carolina (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in South Carolina.
- Tennessee (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Tennessee.
- Texas (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Texas.
- Virginia (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Virginia.
- Washington (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Washington.
- West Virginia (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in West Virginia.
- Wisconsin (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Wisconsin.
- Wyoming (LLC business-purpose only): Available only as a business-purpose loan to an LLC, LP, or other legal entity. We are not licensed for consumer mortgage lending in Wyoming.
Colorado disclosure
Regulated by the Colorado Division of Real Estate. Colorado consumers may check the license status of a mortgage company or mortgage loan originator, and file a written complaint, with the Colorado Division of Real Estate, 1560 Broadway, Suite 925, Denver, CO 80202.
Florida disclosure
Simply Approved Mortgages LLC is licensed as a mortgage broker by the Florida Office of Financial Regulation (License #MBR7685). Florida consumers may verify licensure or file a complaint with the Florida Office of Financial Regulation, 200 East Gaines Street, Tallahassee, FL 32399.
How to verify us or file a complaint
Our license record, including every state we are authorized in, is public. Verify it on Verify Simply Approved Mortgages LLC, NMLS #2620881. You may also contact us directly at (877) 813-7219 or through our contact form, or submit a complaint to the state regulator where the property or borrower is located.
Office locations are not a representation that we are licensed or authorized to arrange financing in every state. Product availability, eligibility, and terms vary by state, lender, borrower, and property. Equal Housing Opportunity.
Equal HousingOpportunity
How We Evaluate This Scenario
A DSCR file is judged on the property, not your tax returns: qualifying rent divided by PITIA — principal, interest, taxes, insurance, plus HOA and flood where they apply. Most programs use the lesser of the in-place lease rent and the appraiser's market rent, so a lease signed below market usually caps the ratio no matter how strong the comps look.
Three inputs move the outcome more than anything else: rent support on the appraiser's rent schedule (Form 1007 or 1025), the LTV tier, and the credit tier. Dropping leverage by five points or moving up a FICO band frequently changes pricing more than shopping a different lender does.
Before you write an offer, price taxes and insurance at post-sale levels rather than the seller's current bill. In reassess-on-transfer states and in coastal insurance markets, that single adjustment is the most common reason a deal that penciled at contract fails the ratio at underwriting.
Reviewed by Simply Approved Mortgages · NMLS #2620881. Business-purpose investor lending only.
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Pick the loan type that fits your deal and complete a short, tailored pre-qualification. A licensed loan officer follows up with an initial scenario review once we have your credit authorization and supporting documents — usually the same business day. Formal pricing and terms follow underwriting.
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