Smart Mortgage Centers

What types of home loans and refinancing options are available through Smart Mortgage Centers?

Smart Mortgage Centers offers a comprehensive range of options including FHA financing (with 3.5% down), Conventional financing (with 3% down), VA Home Purchase (no money down) and Refinance loans, and various refinance programs like Rate and Term, Cash Out, Debt Consolidation, ARM Refinance, HELOC Refinance, and Streamline Refinance. They also provide unique programs such as 2/1 Buydown and Barndominium Financing.

How does Smart Mortgage Centers help clients get competitive rates?

We work with over 50 lenders to shop for the best rates and terms for our clients, ensuring you save money and find lower rates tailored to your needs. We also offer wholesale rates and no closing cost options, and can beat existing quotes.

What is the typical process for applying for a home loan or refinance?

Our process is designed to be stress-free and fast. It involves four main steps: 1) Pre-Qualify with a Home Loan Expert in minutes, 2) Complete a fast and easy online application, 3) Simply upload your requested documents, and 4) Close Your Loan and enjoy your new home or refinance benefits.

Does Smart Mortgage Centers assist veterans with home financing?

Yes, we have been helping veterans since 1997 through our VA Mortgage Center. We offer VA Home Purchase loans with no money down and VA Home Refinance options, providing wholesale rates and no closing cost options for eligible veterans.

What is the primary contact number for Smart Mortgage Centers?

You can reach Smart Mortgage Centers by calling (888) 842-7272 for general inquiries and pre-approvals.

Where is Smart Mortgage Centers located and what states do they serve?

Our corporate address is 350 Houbolt Rd. Ste 205, Joliet, IL 60431. We also have an office at 38852 US-19, Tarpon Springs, FL 34689. Smart Mortgage Centers is licensed to operate in multiple states, including Colorado, Florida, Illinois, Indiana, Iowa, and Virginia, as indicated by our NMLS licenses.

How long has Smart Mortgage Centers been operating?

Smart Mortgage Centers has been providing home loans for 28 years, with a strong legacy of trust and innovation in the mortgage industry, and consistently earns high client ratings.