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With a Spotsylvania Courthouse, VA FHA Loan Expert

Finding clients lower rates and closing costs

BBB A complaint free awards, 5 Star Rated Since 1997

Google 5 Star Company

“simplest refinance experience ever”

BBB A+ Rating

“I’m paying less now than I was to rent”

Yelp 5 Star Company

“made the process very straightforward and painless.”

Spotsylvania Courthouse, VA FHA Specialists

The Spotsylvania Courthouse 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 Spotsylvania Courthouse, VA  and ready to help.  Connect with a licensed Spotsylvania Courthouse FHA specialist, ask questions, check credit, and get free quotes.

Call Now (888)208-9797

Finding the Perfect Spotsylvania Courthouse Home Loan

Hundreds of consumers across Spotsylvania Courthouse, Virginia 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 Spotsylvania Courthouse 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 2022 mortgage guidelines. At Smart Mortgage, our mission is to get you approved for a Spotsylvania Courthouse 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 Spotsylvania Courthouse, VA FHA Eligible Home.
  • Secure a loan and purchase your new home!

Working around credit issues with Top Rated Specialists

The Spotsylvania Courthouse FHA Mortgage team is celebrating its 24th year in business.  Our experience allows for consumer mortgage confidence especially with first time home buyers in Spotsylvania Courthouse, VA.  We navigate consumers through the mortgage process,  explain options and find what choice works best for you. We specialize in every Spotsylvania Courthouse 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

Google 5.0 Rating

“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

BBB A+ Accredited

“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

Yelp 5.0 Rating

“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

Speak with a Spotsylvania Courthouse, VA FHA Home Loan Specialist Today

1-888-208-9797

To Better Serve You our Spotsylvania Courthouse, VA FHA Mortgage Team is Available 24/7

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

Spotsylvania Courthouse is a census-designated place (CDP) and the county seat of Spotsylvania County, Virginia, located 10 miles (16 km) southwest of Fredericksburg. Recognized by the U.S. Census Bureau as a census designated place (CDP), the population was 4,239 at the 2010 census.

During the American Civil War, the crossroads community became a Union objective during the Battle of Spotsylvania Courthouse, fought May 8–21, 1864. The battle, which ended in stalemate,[3] included a brutal 20-hour struggle over a section of the Confederate defenses that became known as the “Bloody Angle”. The site of the Bloody Angle and other portions of the battlefield are preserved as part of Fredericksburg and Spotsylvania County Battlefields Memorial National Military Park and administered by the National Park Service. The Fredericksburg and Spotsylvania National Military Park includes three cemeteries. Over 15,000 Union soldiers, many unidentified, are buried in the Fredericksburg National Cemetery. The other two cemeteries are dedicated to fallen Confederate soldiers.[4]