Home buyer grant programs are a great choice for borrowers looking to buy but lack the down payment.  When home buyers need assistance we have options.  Conventional and FHA grant programs are available.  Grants are available for first time buyers and those who have bought in the past.

Find out if you are eligible for the grant program by calling (888)208-9797. Down payment assistance experts are standing by and ready to help.  Connect with a licensed Grant specialist, ask questions, see what cities qualify, and get free quotes.

• 620 Credit Score Required
•  Grant is completely forgiven – no repayment required!
•  Grant can be used for down payment
•  Seller Credit of 6% is allowed
•  Gift funds are allowed!
•  Borrower(s) not required to be First Time Homebuyers.
•  Income limit is based on qualifying income used for transaction, not household income.

Questions Call (888)208-9797

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 2024 mortgage guidelines. At Smart Mortgage, our mission is to get you approved for a grant program and into your home with payments you can afford.  In order to qualify for our grant program, 1st mortgage will be done by Smart Mortgage. 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!

The FHA Mortgage team is celebrating its 27th 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 a variety of grant programs.  Check out consumer FHA 203K options, 1st Time Home Buyer Options and our Refinance options.

“I am very satisfied with the service I recieved from Michelle Gospodarek at smart mortgage. They are second to none in mortgage business in the chicago area if you ask me! I have heard some horror stories about mortgage brokers not taking important calls, but Michelle made herself very available and there was NO delays on their end. She is also very knowledgable and made it easier for me to understand the home buying process. Expect nothing but grade A1 service”!

Mason Lundy – Prophetstown, IL

“I worked with Brian from the Naperville office and he was the best, From my first phone through the process, he was there to assist me and advise me all of the way. I appreciate his honest way and friendly attitude. Very professional and helpful. I would recommend Smart Mortgage to everyone. I am happy in my new home and grateful to Brian and his team to making this happen. Kathy”.

Katherine B – Beecher, IL

“Wow stress free I was treated like if I was they only costumer, my loan was closed within 30 days, at the interest rate promised, closing cost very well calculated, my loan officer walk with me to the end of my journey”.

Maria R – Ocala, FL