Get Smart Mortgage Rates

We Shop 55 Lenders for You!

We shop to find you the best interest rate and lowest closing costs.  Our rates and closing costs won’t be beat.  Getting a quote from us could save you thousands in closing costs.

Home Purchase Rates

30-YR. Conventional

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30-YR. FHA Loan

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30-YR. VA Loan

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Refinance Rates

30-YR. Conventional

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30-YR. FHA Loan

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30-YR. VA Loan

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Our 15 Year Rates are even LOWER!

Call for custom fixed rate terms from 8 – 30 years.

Questions (888)999-1350

Rates based on a Loan Amount of $315,000, Loan to Value (LTV) 70%, Credit FICO Score 770 Rates, terms, and fees as Central Standard Time and subject to change without notice. Rates are posted daily at 11am Monday – Friday.  Rates are not posted on the weekend. Call the Smart Mortgage rate lock line now (888) 999-1350.

WE will CRUSH Today’s National Mortgage Rates

Quick Rate Quote

    Once you click the submit button you will be assigned to a licensed Loan Consultant. You will receive an email with Loan Officers credentials. At this time you are opting into phone calls, text messages and emails. We look forward to finding you the perfect mortgage quote.

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    Facts About Us
    1. We shop 40 lenders in order to save you money and find you lower rates.
    2. We have been in business for 25 years.
    3. We have hundreds of 5 star reviews and A+ rated with the Better Business Bureau.
    4. We have the latest technology to get you to the closing table fast.
    5. Do you have a quote you want us to beat? just ask.
    Our process is stress free and smooth.

    Complete your home purchase or refinancing goals with easy online access and a designated professional.

    1. Pre-Qualify

    A Home Loan Expert will have you pre-qualified to buy a home or refinance within 5 minutes. Call now (888)842-7272 or Apply Online

    2. Apply Online

    Fast and easy online application takes 7 minutes.

    3. Upload Documents

    Simply upload your requested documents to get to the closing table fast.

    4. Close Your Loan

    Sit back and enjoy your new home purchase or refinance loan from the Smart Mortgage team.

    Home Buyers get more Options

    Government Financing with 3.5% Down

    Our FHA financing program offers easier credit qualifications with lower rates.

    Conventional Financing with 3% Down

    Our Conventional financing program offers you lower rates with flexible fixed terms.

    Grant Programs to assist with Down Payments

    Looking for a little help with your down payment?  Forgivable grants are available with mortgage financing through Smart Mortgage Centers.

    Now is the time to Refinance

    Looking for a lower rate, or maybe it’s time for home improvements or cash out.  Get a customized refinance quote from 8 year to 30 year terms.

    “This team is exceptional. Refinanced my home in 11 days! Got the rate I wanted and Michelle was very helpful from start to finish. Happy I could work with a local company with a successful outcome.” Mel Cameron – Country Club Hills, IL

    Helping Veterans since 1997

    The VA Mortgage Center helps veterans find smarter home loans.  We answer your VA mortgage questions, offer wholesale rates with no closing cost options.  Take a look at our VA mortgage rates and get quotes today.

    VA Home Purchase

    Buy a home with NO money down! By using your VA benefits we can help you accomplish your goals of home ownership.

    VA Home Refinance

    Today’s 30-year fixed VA mortgage rate is Call for Rates APR . Get smarter refinance options with our VA mortgage experts.

    Rates based on a Loan Amount of $315,000, Loan to Value (LTV) 70%, Credit FICO Score 770 Rates, terms, and fees as Central Standard Time and subject to change without notice. Rates are posted daily at 11am Monday – Friday.  Rates are not posted on the weekend. Call the Smart Mortgage rate lock line now (888)842-7272.

    We create a personal mortgage experience with technology. Our reviews speak for themselves.

    30 Thousand

    loans closed

    5.0 / 5

    star rating by our clients on Google, Yelp, BBB, Facebook

    24

    years of mortgage experience

    Smart Mortgage Centers, Inc. BBB Business Review
    Our clients are talking about our exceptional service. Here’s what they’re saying.