FHA Home Loan Refinance

Refinancing with Smart Mortgage has never been easier.  Within minutes we will shop for the lowest rate available, this includes finding low or NO closing cost options.  From start to finish you will work one on one with the same FHA loan specialist.  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.  Most of the consumers who refinance with us will close in less than 20 days.  We are recognized for its awarding winning service since 1997 and 5.0 customer ratings with Google, Better Business Bureau, Zillow, Yelp and Facebook.

Questions Call (888)208-9797

Finding the Perfect Home Refinance

Thousands of consumers across the United States are refinancing while you read this.  Securing the right home loan doesn’t have to be hard, we have solutions for lower rates, shortening terms (30 year to 10,15,20 years), debt consolidation, cash out refinance.  We encourage consumers to compare our rates and no closing cost options with banks, lenders and credit unions.  We simplify the refinancing challenges presented by 2024 mortgage guidelines. At Smart Mortgage, our mission is to get you approved for a new mortgage with a low rate and even lower payment.  When it’s time to qualify, our highly trained specialists will work with you closely on an individual basis to:

  • Find you the lowest rate.
  • Find low or NO closing costs.
  • Close in 11 – 20 days.
  • Secure a payment that makes sense.

Get Started Today

    Working around credit issues with Top Rated Specialists

    The FHA Mortgage team is celebrating its 27th year in business.  Our experience allows for consumer mortgage confidence especially with low rate refinancing options.  We navigate consumers through the mortgage process,  explain options and find what choice works best for you. We specialize in a variety of refinance programs.  Including streamline refinancing, rate and term, debt consolidation, and cash out options.

    Google 5.0 Rating

    “We worked with Michelle for getting a mortgage. She goes above and beyond for her clients. You can reach her day or night with any questions or concerns. Michelle is very easy to speak to and knows what she is doing, if she doesn’t have an answer she would find it out for you. I recommend her to everyone, if I had to rate her 1-10 there wouldn’t be enough stars to rate her. Thank you so much Michelle for all of your help”.

    BBB A+ Accredited

    “Jon at Smart Mortgage is the best. My wife and I wanted to own our first home and did not think it was even possible. We contacted Jon on a referral from my sister. He worked with us to get the right loan to suit our needs and him and his team walked us through the entire process. Being new to home buying we had a lot of questions and Jon answered every one of them. He was always prompt with information and stayed on top of the entire process all the way through to closing. We love our new home and highly recommend Smart Mortgage Centers to any one looking to purchase a home. Thanks again Jon!”

    Yelp 5.0 Rating

    “Tony is one of the most kind-hearted, charming, selfless individuals. Very professional and down to earth easy to work with. He strives in making others’ lives easier.A family man always puts others before himself. Tony was absolutely incredible. He was patient with all my questions. He was able to give me the information I needed. He always answered my phone calls or text. Tony broke every stereotype times a million. He actually lived up to everything he told us. I highly recommend him if you’re looking for the best possible experience.I trusted him 110%. I’m very glad to have had the pleasure of working with Tony and I hope my post shows that he’s nothing short of excellence. Thank you again Tony for everything! I referred him to many others as well. Tony is true professional, There’s no reason to look elsewhere”.