Michelle Gospodarek

Operations Manager

NMLS #1275028


16151 S. Lincoln Hwy,

Plainfield, IL 60586


Cell: (630)853-1289

Office: (630)904-1800 x 210

Fax: (630)904-1010

Email: Michelle@smartmtgs.net

Serving Arizona, Florida, Illinois, Indiana, Iowa, Virginia and Wisconsin

Platinum Client Perks

For our Previous Closed Clients

We will Beat all Competitors

$250 Dollar Gas Card at Closing

Our Closing Costs Won’t Be Beat

10 Minute Approvals

Designated Underwriters

Refer a Friend Gift Card Program

Call or TEXT for a quick analysis (630)853-1289

7 – 10 minutes could save you thousands in hidden costs!

“Michelle was able to refinance my home and helped me pay of thousands in debt.  I was skeptical at first until she showed me in writing the difference of paying 29 percent interest on my credit cards vs 4% on my mortgage.  She was patient with me and her assistants were awesome”.

Erin A, Illinois.

Today’s Popular Programs

Cash Out Refinance

Housing prices have skyrocketed! I’m seeing a major uptick in our clients taking cash out from their equity.  The cash out can be used for whatever your needs may be.  Some of my clients are fixing up the house for spring and others are paying off high interest debt.  Some even set a little aside for that much needed vacation.  Call or Text me to get started (630)853-1289.

Buying a Second Home

My clients are buying 2nd homes for vacations and investments.  Some of my clients are taking a cash-out refinance and using the money for a down payment on a second home or even paying for it with cash.  Some of the popular places include Arizona, Florida, Indiana and even Wisconsin.  Call or Text me to get started (630)853-1289.

Down Sizing and Up Sizing

Some of my clients are downsizing while others are going bigger.  I have so many programs for both including no money down options and even grants for down payments.  Call or Text me to get started (630)853-1289.

Refinancing to Remove Private Mortgage Insurance

Chances are your home has gained substantial value since you got your mortgage. It’s time to get an analysis to see if we can refinance to remove PMI (Private Mortgage Insurance).  Call or Text me to get started (630)853-1289.

Get Smart Mortgage Rates

Our rates and closing costs won’t be beat.  Getting a quote from us could save you thousands in closing costs. Show us your Loan Estimate and we will beat it.

Home Purchase Rates

30-YR. Conventional

Rate 6.375%  APR 6.410%

Get Quote

30-YR. FHA Loan

Rate 5.75% APR 6.510%

Get Quote

30-YR. VA Loan

Rate 5.75% APR 5.917%

Get Quote

Refinance Rates

30-YR. Conventional

Rate 6.375% APR 6.410%

Get Quote

30-YR. FHA Loan

Rate 5.75% APR 6.510%

Get Quote

30-YR. VA Loan

Rate 5.75% APR 6.00%

Get Quote

Our 15 Year Rates are even LOWER!

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

Call me direct at (630)853-1289

In order for Smart Mortgage Centers to beat a rate quote, the quote must be provided in writing by the competitor by way of Loan Estimate.  No verbal rate quotes will be considered and are not valid.  Loan Estimates that have been changed in anyway will also be disqualified. Rates presented on this website are based on a Loan Amount of $315,000, Loan to Value (LTV) 70%, Credit FICO Score 770 Rates, terms, and fees as 12/1/2022 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. As previous closed client of Smart Mortgage Centers you are automatically enrolled in our FREE platinum incentive program. The Refer a friend and receive a gift card program only applies to referrals who close their loan at Smart Mortgage Centers.  The referral gift card is the same value ($100.00) and will only can be distributed to the previous closed client who referred us the new client.

WE BEAT 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

    I will have you pre-qualified to buy a home or refinance within 7 – 10 minutes. Call now 630-853-1289 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 5.75% APR 6.00%. 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 12/1/2022 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.

    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


    years of mortgage experience

    Smart Mortgage Centers, Inc. BBB Business Review