27 Years Of Excellent Service

We specialize in a wide variety of homebuyer programs. Our professional homebuying team is ready to assist you with your pre-approval questions.

About Us

Smart Mortgage has been a cornerstone of trust and expertise in the mortgage industry for 27 years, diligently serving local residents. Whether clients are stepping into their first home, upgrading to a second home, buying a vacation retreat, or securing investment properties, Smart Mortgage stands out as a reliable partner. They specialize in an array of refinancing options, including cash-out refinancing and debt consolidation, to meet diverse financial needs. Smart Mortgage offers every loan product available, each backed by stellar reviews and high ratings on Google, Yahoo, and Yelp, and an A+ rating from the Better Business Bureau. This exemplary record underscores their commitment to excellence and client satisfaction in every transaction.

Homebuyer Calculator

Amortization Calculator

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.

Find a Home and Fix it up.

Our FHA 203k program allows homebuyers to purchase a home plus receive extra funds for fixing it up.

No Money Down Home Buyer Options

No money down programs do exist, FHA grants, USDA Loans, and Veteran Home Loans are what we specialize in.

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 visit our VA home loan site.

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

Our clients are talking about our exceptional service. Here’s what they’re saying.
The Smart Mortgage Learning Center
  • Businessman holding a card with text Home refinance.

    Refinancing and its Impact

    According to the Housing Wire, The average U.S. mortgage rate for a 30-year fixed loan fell four basis point this week to 2.67%. What does this [...]
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.