Finding clients lower rates and closing costs

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The Bay Harbor Islands 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 near Bay Harbor Islands, FL  and ready to help.  Connect with a licensed Bay Harbor Islands FHA specialist, ask questions, check credit, and get free quotes.

Call Now (888)208-9797

Hundreds of consumers across Bay Harbor Islands, Florida 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 Bay Harbor Islands 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 2024 mortgage guidelines. At Smart Mortgage, our mission is to get you approved for a Bay Harbor Islands 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 Bay Harbor Islands, FL FHA Eligible Home.
• Secure a loan and purchase your new home!

The Bay Harbor Islands FHA Mortgage team is celebrating its 27th year in business.  Our experience allows for consumer mortgage confidence especially with first time home buyers in Bay Harbor Islands, FL.  We navigate consumers through the mortgage process,  explain options and find what choice works best for you. We specialize in every Bay Harbor Islands 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

“Ryan and his crew are awesome! We contacted Smart Mortgage just to see if we would qualify in the near future to purchase our first home. We ended up qualifying immediately. We were definitely a handful, but Ryan got us through the process and into our home. We are forever grateful. No more moving our kiddos around. They love their new home just as much as we do. Thank you again Ryan”! Samantha Godwin – Pace, FL

“As first time home buyers, we needed someone who could break down the mortgage vocabulary into everyday language for us to understand and make the right choices. Brian was definitely the perfect loan officer. He is very knowledgeable, explained in detail every step and answered all our questions promptly. We are more than satisfied with our mortgage, Brian’s customer service and Smart Mortgage Centers. We recommend Brian to everyone especially first time home buyers”! Michael O – Romeoville, IL

“Tony McDougall worked his tail end off with all the hiccups that we had he was very cool and collective and made sure he got the job done as fast as he could! Tony gave superior work during the process of buying our home. He also made sure he answered his phone every time we called. We really enjoyed working with him and he will be highly recommended in my eyes for anyone”!! Sabrina England – Seminole, FL

1-888-208-9797

To Better Serve You our Bay Harbor Islands, FL FHA Mortgage Team is Available 24/7

A FHA approved lender; Not endorsed or sponsored by the Federal Housing Authority or any government agency.