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 Call
APR Call
FHA Loan
Rate Call
APR Call
VA Loan
Rate Call
APR Call
Call for custom fixed rate terms from 8 – 30 years.
Questions (888)842-7272
Refinance Rates
30-Year Fixed*
Conventional
Rate Call
APR Call
FHA Loan
Rate Call
APR Call
VA Loan
Rate Call
APR Call
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 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.
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 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 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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According to the Housing Wire, The average U.S. mortgage rate for a 30-year fixed loan fell four basis point this week to 2.67%. What does this [...]
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.