More Homebuyer Options
Get Smart Mortgage Rates
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.
Our 15 Year Rates are even LOWER!
Call for custom fixed rate terms from 8 – 30 years.
Rates based on a Loan Amount of $315,000, Loan to Value (LTV) 70%, Credit FICO Score 770 Rates, terms, and fees as 2/14/2023 11:00 AM 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 BEAT Today’s National Mortgage Rates
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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.
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.
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 APR CALL. 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 2/14/2023 11:00 AM 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.
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
We create a personal mortgage experience with technology. Our reviews speak for themselves.
5.0 / 5
star rating by our clients on Google, Yelp, BBB, Facebook
years of mortgage experience
Our clients are talking about our exceptional service. Here’s what they’re saying.
“I highly recommend Patty from Smart Mortgage Center. She was extremely helpful, thorough and knowledgeable. The entire process was exceptional and cant thank Patty enough for her effort.” Thomas Miller
“Michelle is a pleasure to work with. She is professional, thorough and was able to help me find the right mortgage that met my needs and budget. I highly recommend Smart Mortgage.” Jennifer Battista
“Excellent service! Ryan is very knowledgeable and responsive. It has been such a pleasure working with him. Ours presented some challenges including time constraints but Ryan’s expertise allowed us to overcome all wonderfully. We are very pleased.” Vivian Santiago
“My experience with Smart Mortgage was phenomenal. The staff are excellent and very knowledgeable. I highly recommend.” David Hughes
“Working with Michelle G has been an ultimate pleasure. I got a great rate, and she made sure I understood the process and all of my options.” April Jones