Business Details
29 Years
experience
Emergency
services
Your Trusted Mortgage Broker for Home Loans and Refinancing
Smart Mortgage Centers has built a reputation rooted in honesty, trust, and ethical lending practices over 25 years of service. As a direct mortgage company, we provide personalized guidance through one-on-one consultations with licensed mortgage consultants, ensuring a smooth and transparent process for home purchases or refinancing. Our proprietary pricing software enables us to compare lenders rapidly, securing competitive rates, faster turnaround times, and low or no closing cost options for clients.We prioritize convenience through flexible application methods, including phone, online platforms, or in-person meetings, while maintaining a commitment to exceptional customer service. With an A+ rating from the Better Business Bureau and hundreds of five-star reviews across platforms, we combine industry expertise with a client-centric approach to deliver tailored mortgage solutions.
Services
FHA Loans
VA Home Loans
USDA Home Loans
Home Renovation Loans
Jumbo Mortgages
Reverse Mortgages
Refinance Options
Bad Credit Mortgages
Manufactured Home Loans
Home Buyer Grants
Details
- Year established: 1997
Highlights and features
- We offer 25 years of experience in ethical mortgage lending.
- Our team provides access to wholesale rates beating retail options.
- We guarantee no application fees or hidden closing costs.
- Our 24/7 mortgage hotline ensures immediate client support.
- We maintain an A+ rating with the Better Business Bureau.
Associations and certifications
- Better Business Bureau
What people say
5-star reviews
A+ BBB rating
Lower rates
Excellent customer service
Fast closings
Services
FHA Loans
FHA loans provide accessible mortgage options for borrowers with lower credit scores or limited down payments. These government-insured loans require as little as 3.5% down for FICO scores of 580+ and offer flexible qualification criteria. Ideal for first-time homebuyers, FHA loans combine affordability with reduced risk for lenders.
VA Home Loans
VA loans offer 100% financing for eligible veterans and active-duty personnel with competitive rates and no mortgage insurance. Backed by the Department of Veterans Affairs, these loans provide benefits like no down payment requirements and streamlined refinancing options for qualified applicants.
Home Renovation Loans
Home renovation loans finance property upgrades through programs like FHA 203(k) and Fannie Mae HomeStyle. These options allow borrowers to include repair or improvement costs in their mortgage, enabling comprehensive home transformations without separate financing.
Bad Credit Mortgages
Non-prime mortgage programs cater to borrowers with credit challenges, including bankruptcies or foreclosures. These loans offer flexible documentation requirements and credit score thresholds as low as 500, providing pathways to homeownership for those rebuilding financial stability.
Reverse Mortgages
Reverse mortgages convert home equity into tax-free income for homeowners aged 62+. These loans eliminate monthly payments while allowing seniors to remain in their homes, with proceeds usable for debt consolidation, healthcare, or supplemental retirement income.
Questions
How do I get pre-approved for a mortgage?
Complete our 10-minute online application or contact our 24/7 hotline to receive a personalized pre-approval with no credit check required initially.
Can I qualify for a mortgage with bad credit?
Yes. Our non-prime programs accept credit scores as low as 500 and offer flexible documentation options for borrowers rebuilding financial histories.
What loan programs are available for first-time homebuyers?
We offer FHA loans with 3.5% down, USDA zero-down options, and HomeReady mortgages featuring cancellable insurance and gift fund allowances.
How quickly can I close on a home purchase?
Our average closing time is 21 days for purchases, supported by in-house processing and electronic document management systems.
Do you offer refinancing options for VA loan holders?
Yes. VA IRRRL and cash-out refinance programs are available with streamlined processes and no re-verification of income for qualified veterans.
