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Serving Home Owners Since 1997

Mortgage Brokers offer more Options

Finding a reputable local Mortgage Broker doesn’t have to be hard.  For over two decades Smart Mortgage Centers has helped clients with all of their home purchase and refinancing needs.  Every client we service is assigned to a licensed Mortgage Broker who will begin the pre-qualification stage.  From pre-qualification to closing our clients work one on one direct with the same Mortgage Broker.  To simplify things, our Mortgage Brokers will meet you in our office, or a location of your choice.  Too Busy? Don’t worry we have online mortgage technology in place to get home loans completed quickly.  Online applications, secure document uploads and electronic signatures will get you to the closing table in no time.  We know our clients want to close fast, so be sure to check out our estimated closing times for home buyers and refinancing.  The biggest benefit of using a Mortgage Broker would include, shopping multiple lenders to find the lowest rates with one phone call.  Since each borrower is different, creditworthiness will determine what program option is the best. By offering every loan option available, Smart Mortgage Centers is able to service excellent to poor credit score ratings.

Popular Loan Options

Our Mortgage Brokers have a vast amount of training in each loan program we offer.  Some popular loan programs in your area.

First time homebuyers have so many options, before shopping for your new home we will explain the entire process.  We encourage our clients to do comparisons, we will find you better rates and lower costs.

Whether you have had credit issues in the past or are simply looking to limit your down payment to 3.5%, an FHA loan might be an ideal home financing solution.

In addition to the excellent VA mortgage rates, and no money down option there are a number of advantages to obtaining a VA home loan, such as:

  • Buy a Home with No Down Payment
  • Refinance up to 120% of your Home’s Value
  • Use your VA Benefits even if you used them in the past
  • Ask us how we can pay for your pest inspection
  • No mortgage insurance premiums

Mortgage Brokers are standing by and ready to get you pre-qualified for our forgivable grant program.  The best part about this grant is buyers are not required to be first time homebuyers.

We Put low to moderate income borrowers with good credit in homes for as little as 3% down.  Call today to find out more about the HomeReady loan program.

Manufactured home owners are commonly denied the ability to finance their homes due to mortgage loan restrictions on manufactured housing units. At Smart Mortgage Centers, we offer a variety of manufactured mortgage loan options whether you are buying or refinancing a manufactured house. We offer attractive terms and competitive rates.

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Current Estimated Closing Times at Smart Mortgage Centers are as follows:


    Estimated Clear to Close



    Estimated Clear to Close


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If you have questions for our local mortgage brokers, simply call our 24 hour mortgage hotline.