Buy a Home with a Smarter Mortgage.
Have Confidence in our Teams 27 Years of Experience.
SMART RATEBREAK! 2/1 Buydown Program
A 2/1 buydown program is a financing option that offers a lower interest rate for the first two years of your mortgage term. When you choose this program, your interest rate will be 2% lower in the first year of your mortgage and 1% lower in the second year. At NO cost to YOU!
SMART BARNDOMINIUM FINANCING!
Get into a barndominium with Smarts barndominium financing programs! Single Closing: With a One-Time Close Loan, you only have to close once. This covers both the construction and the mortgage for your barndominium, saving you the hassle and expense of multiple closings.
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.
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The Smart Mortgage Learning Center
Home Buying Guide
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