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BBB A+ complaint free awards, 5 Star Rated Since 1997

Google 5 Star Company

“simplest refinance experience ever”

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

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“made the process very straightforward and painless.”

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Troy, IL FHA Specialists

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

Call Now (888)208-9797

Finding the Perfect Troy Home Loan

Hundreds of consumers across Troy, Illinois 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 Troy 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 Troy 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 Troy, IL FHA Eligible Home.
  • Secure a loan and purchase your new home!

Working around credit issues with Top Rated Specialists

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

1-888-208-9797

To Better Serve You our Troy, IL FHA Mortgage Team is Available 24/7

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

Troy (Ancient Greek: Τροία, Troía, Ἴλιον, Ī́lion or Ἴλιος, Ī́lios; Latin: Troia, also Īlium;[note 1] Hittite: 𒌷𒃾𒇻𒊭 Wilusa or 𒋫𒊒𒄿𒊭 Truwisa;[3][4] Turkish: Truva or Troya), also Ilium, was a city in the northwest of Asia Minor (modern Turkey), southwest of the Çanakkale Strait, south of the mouth of the Dardanelles and northwest of Mount Ida.[note 2] The location in the present day is the hill of Hisarlik and its immediate vicinity. In modern scholarly nomenclature, the Ridge of Troy (including Hisarlik) borders the Plain of Troy, flat agricultural land, which conducts the lower Scamander River to the strait. Troy was the setting of the Trojan War described in the Greek Epic Cycle, in particular in the Iliad, one of the two epic poems attributed to Homer. Metrical evidence from the Iliad and the Odyssey suggests that the name Ἴλιον (Ilion) formerly began with a digamma: Ϝίλιον (Wilion);[note 3] this is also supported by the Hittite name for what is thought to be the same city, Wilusa. According to archaeologist Manfred Korfmann, Troy’s location near the Aegean Sea, as well as the Sea of Marmara and the Black Sea, made it a hub for military activities and trade, and the chief site of a culture that Korfmann calls the “Maritime Troja Culture”, which extended over the region between these seas.[5]

The city was destroyed at the end of the Bronze Age – a phase that is generally believed to represent the end of the Trojan War – and was abandoned or near-abandoned during the subsequent Dark Age. After this, the site acquired a new, Greek-speaking population, and the city became, along with the rest of Anatolia, a part of the Persian Empire. The Troad, the region containing the former city, was then conquered by Alexander the Great, an admirer of Achilles, who he believed had the same type of glorious (but short-lived) destiny. After the Roman conquest of this now Hellenistic Greek-speaking world, a new capital called Ilium (from Greek: Ἴλιον, Ilion) was founded on the site in the reign of the Roman Emperor Augustus. It flourished until the establishment of Constantinople, became a bishopric, was abandoned, repopulated for a few centuries in the Byzantine era, before being abandoned again (although it has remained a titular see of the Catholic Church).