• 4003 Plainfield Naperville Rd, Naperville, IL 60564
  • (888)999-1350

Thank you for visiting us today.  Smart Mortgage Centers was founded in 1997 by Richard Birk.  Our mission is simple, find our clients the best possible mortgage options available on the market.  Our experienced team is trained to have you pre-approved quickly, meaning minutes not days.  Our goal is to evaluate your current situation while having you approved in 30 minutes or less.  This includes reviewing the following details for each individual:

  • Credit Review
  • Explanation of Mortgage Programs and Loan Types
  • Current Wholesale Rate Options, Mortgage Payment and Terms (8 – 30 Year Options)
  • Easy Online Applications, E-signatures, Secure Document Uploads
  • Pre-Approved in 30 Minutes or Less
  • Average Closing 20 Days

The home buying or refinancing experience should be simple but personal.  We promise not to pass you around, you will work one on one with the same licensed professional from start to finish.  They will even be by your side at the closing table.

Join the thousands we’ve supplied with mortgage success.  Read hundreds of reviews from local consumers like you.  We will exhaust all means to find you the best possible mortgage on the market.

Better Business Bureau A+ Rating

A+ Rating – 75 Reviews

Jose L.

“I had a great experience refinancing with Smart Mortgage. Jon was responsive and available for any questions I had. He provided a clear and concise list of what was needed and kept me informed along the way. I highly recommend Smart Mortgage and will use again in the future”.

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Illinois Google Ratings

5.0 Rating – 236 Reviews

Mason L.

“I am very satisfied with the service I received from Michelle Gospodarek at smart mortgage. They are second to none in mortgage business in the chicago area if you ask me! I have heard some horror stories about mortgage brokers not taking important calls, but Michelle made herself very available and there was NO delays on their end. She is also very knowledgeable and made it easier for me to understand the home buying process. Expect nothing but grade A1 service!”

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Florida Google Ratings

5.0 Rating – 17 Reviews

Anthony H.

“Tony McDougall far exceeded any, and all, of my expectations going into the home buying process. He was extremely thorough and answered all of my questions along the way. If I could give Tony more than 5 stars, I would. He has a great personality and does his job well. What more can you ask for?”

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Illinois Yelp Ratings

5.0 Rating – 9 Reviews

Amber N.

“Ryan from Smart Mortgage Centers went ABOVE and BEYOND for my husband and I!! It was our first time buying a home and with the support of someone as diligent as Ryan, it felt easy. He’s still friendly and nice. I knew nothing about this process and he never made me feel bad about it. Instead he taught me everything and gave me confidence. I was approved within 20 min and in a new home within 45 days!!! My husband and I are ecstatic. Ryan thank you for making this process so less stressful and being so patient with us. We absolutely love our new home.

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Florida Yelp Ratings

5.0 Rating – 1 Review

Maria R.

“Wow stress free I was treated like if I was they only costumer, my loan was closed within 30 days, at the interest rate promised, closing cost very well calculated, my loan officer walk with me to the end of my journey.

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