Buy a Home with FHA Financing

At Smart Mortgage buying a home has never been easier.  Let us walk you through the  steps to living in the home of your dreams.   So many options are available we will find the right program to fit your needs.   A list of our current programs available to consumers with perfect and not so perfect credit.

  • FHA loans
  • Home Grants
  • VA loans (No Money Down)
  • Home Possible®
  • HomeReady®
  • USDA (No Money Down)
  • Home Renovation Purchase
  • Manufactured Home Loans

Questions Call (888)208-9797

Finding the Perfect Home mortgage

Most people dream about owning a home for years before it becomes a reality. It can be scary to take that leap into home ownership, but it is a wonderful feeling to not be throwing money away on rent month after month. You also have the pride in knowing you own your own home, and can truly make it yours. Get started with a fast pre-approval (within minutes), we will supply you with home loan options that make sense.  No application fees, free quotes, lower rates and of course more options. We are recognized for our awarding winning service since 1997 and 5.0 customer ratings with Google, Better Business Bureau, Zillow, Yelp and Facebook.

What To Expect

A great question to ask yourself is, am I confident in my FHA consultant?  You already picked out your home, or maybe you plan on buying in the future.  On your initial contact your FHA specialist will acknowledge your current situation, analyze and explain what options are best for you.  Credit scores, income, job history, loan programs, mortgage payment and rates are a few things that will be discussed.  Don’t worry our licensed FHA team will go at your pace and thoroughly explain everything.

When Can I Shop For A Home

Once your friendly FHA specialist gives you a pre-approval you will be able to shop for your dream home.  Our pre-approval process takes under 10 minutes.  Your pre-approval lets Real Estate agents and sellers know you are a serious and can afford to buy. Don’t have a Real Estate agent but would like one?  Just ask we can refer you one.  A Real Estate agent will be able to assist in finding the right home at the right price.

When Can I Close On My Home

FAST! that is the goal for all of our clients.  Every scenario is different, knowing this our FHA consultants and support staff are available for support 24 hours a day.  You will also have technology at your finger tips, including online applications, secure document uploads and electronic signatures.  Taking responsibility early, your FHA consultant will know what documents are needed – gathering what you need and having it ready to submit will move your mortgage along quickly.

Google 5.0 Rating

“Eileen Pruitt is a God send. She navigated us through a very rough offer, and ensured that we remained positive and motivated until the end. She was honest, and direct, and never provided us with a false sense of what was going on. Eileen went above and beyond what was required of her, and it was a pleasure to have her present until we received the key to our new home at closing. We will be forever grateful. I will use her services again in the future without question. Bravo to Smart Mortgages”!!! Marius B Sr. – Olympia Fields, IL

BBB A+ Accredited

“Jon was an outstanding person with whom my wife and I were able to get our refi done. Whether it’s to do another refi in the future, or should we find ourselves moving, Jon’s the person we’re going to call to help us out with our future financing needs”. Gerald B – Bolingbrook, IL

Yelp 5.0 Rating

“I had a difficult situation having to sell one property to re-use my VA benefit on my new construction home on a very short time line. Brian Noe and the Team at Smart Mortgage Centers made it happen without any issues. When I was told by other lenders that it wouldn’t happen they came through! I would recommend this team for any home buying situation”. Dennis W – Troy, IL