Smart Mortgage is devoted to your home loan experience.

Today we celebrate 24 years of offering our clients lower rates and costs.  A better offer is waiting. Start an application to see why we are smarter.

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

2. Apply Online

Fast and easy online application takes 10 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 extremely low. Get smarter refinance options with our VA mortgage experts. Click learn more to see our VA mortgage rates.

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

FHA Specialists

The FHA home loan is a great choice for borrowers looking to buy a home with little money down.  When home buyers choose FHA it allows for easier credit score qualification.  In most cases you can qualify with 580 credit scores.  FHA is even offering options for credit scores under 580, larger down payments are required in most cases.  FHA does offer grants for down payments. Find out if you are FHA Grant  eligible by calling (888)208-9797. FHA home loan experts are standing by and ready to help.  Connect with a licensed FHA specialist, ask questions, check credit, and get free quotes.

Call Now (888)208-9797

Finding the Perfect Home Loan

Thousands of consumers across the United States are ready for home ownership.  Securing the right home loan doesn’t have to be hard, we have solutions for less than perfect credit and even those with little savings or down payment. To help home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates.  We simplify the home buying and refinancing challenges presented by 2021 mortgage guidelines. At Smart Mortgage, our mission is to get you approved for a FHA mortgage and into your home with payments you can afford. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:

  • Review your finances to find a payment you can afford.
  • Improve your credit score if needed to qualify.
  • Obtain pre-approval to shop for a FHA Eligible Home.
  • Secure a loan and purchase your new home!

Working around credit issues with Top Rated Specialists

The FHA Mortgage team is celebrating its 24th year in business.  Our experience allows for consumer mortgage confidence especially with first time home buyers.  We navigate consumers through the mortgage process,  explain options and find what choice works best for you. We specialize in every FHA mortgage program available.  Check out consumer refinance options, homebuyer grants and our FHA 203k Rehab options.

Buy a Home or Refinance – Face to Face or Apply Online

Walk ins Welcome

Our clients are talking about our exceptional service. Here’s what they’re saying.
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Meeting your financial goals has never been this easy.

So simple my pet monkey could do it. Find the mortgage rate and program that fits your needs. Social security number not required for rate quotes.