Buy a Home with a Smarter Mortgage.

Have Confidence in our Teams 26 Years of Experience.

Calculate My Payment

Find out how much you can afford with our easy to use home purchase calculator.

2024 Home Buyer Programs

See our 2024 home buyer Programs. We offer every program available.

See Our Low Mortgage Rates

Low rates with no closing cost options.  Skip the hidden junk fees with a smarter home loan.

We make buying stress free and smooth.

Home buying made easy with our online mortgage and a designated professional.

1. Pre-Qualify

A Home Loan Expert will have you pre-qualified within 10 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 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.

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 Call APR Call. 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 2/24/2023 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 have Amazing Reviews.

30 Thousand

loans closed

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years of mortgage experience

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