Smart Mortgage is devoted to your home loan experience.

Today we celebrate 24 years of offering our clients lower rates and costs.  A better offer is waiting. Start an application to see why we are smarter.

Today’s Smart Mortgage Rates
Home Purchase Rates

30-Year Fixed*

Conventional

Rate 2.75%

APR 2.777%

FHA Loan

Rate 2.25%

APR 2.918%

VA Loan

Rate 2.25%

APR 2.372%

Call for custom fixed rate terms from 8 – 30 years.

Questions (888)842-7272

Refinance Rates

30-Year Fixed*

Conventional

Rate 2.875%

APR 2.902%

FHA Loan

Rate 2.25%

APR 2.918%

VA Loan

Rate 2.25%

APR 2.439%

Call for custom fixed rate terms from 8 – 30 years.

Questions (888)842-7272

Rates based on a Loan Amount of $315,000, Loan to Value (LTV) 70%, Credit FICO Score 770 Rates, terms, and fees as 5/11/2021 11:00 AM Central Standard Time and subject to change without notice. Rates are posted daily at 11am Monday – Friday.  Rates are not posted on the weekend. Call the Smart Mortgage rate lock line now (888)842-7272.

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.

Conventional Financing with 3% Down

Our Conventional financing program offers you lower rates with flexible fixed terms.

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 2.25% APR 2.439%. Get smarter refinance options with our VA mortgage experts.

Rates based on a Loan Amount of $315,000, Loan to Value (LTV) 70%, Credit FICO Score 770 Rates, terms, and fees as 5/11/2021 11:00 AM Central Standard Time and subject to change without notice. Rates are posted daily at 11am Monday – Friday.  Rates are not posted on the weekend. Call the Smart Mortgage rate lock line now (888)842-7272.

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

24

years of mortgage experience

Our clients are talking about our exceptional service. Here’s what they’re saying.
The Smart Mortgage Learning Center
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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.