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  • Proudly Serving the State of Illinois since 1997 with a Better Business Bureau A+ Rating. We Will Help You With ...

  • Purchasing A New Home.  No Application fees and No Obligation.

  • Refinance to a New Low Rate...  No Closing Cost Options Available. 

  • An FHA or VA Loan...

  • Whatever your funding needs. We can help. Get Started. Apply Online Today...

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Welcome to Smart Mortgage Centers, Inc.

At Smart Mortgage Centers, Inc., we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible.  Offering you the best customer service and finding you the lowest wholesale rate.  

Walk Ins welcome at 1355 South RT 59 Suite 202, Naperville, IL 60564.  Monday - Thursday 9am -7pm, Friday 9am - 5pm, Saturday 10am - 3pm, Sunday by appointment.

Calculate Monthly Payment*

Term Rate APR Payment
30 Yr Fxd 3.375% 3.415%
15 Yr Fxd 2.875% 2.946%

Loan amount:
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.

Today's Rates*

TermRateAPR
30 Yr Fxd3.375%3.415%
15 Yr Fxd2.875%2.946%

*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote.

Deciding which loan is right, can be a difficult decision. We're here to help.

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Purchase

Purchasing a home is probably one of the biggest investments you'll ever make in your lifetime we are here to help.
To get started click here

HARP

HARP or the Home Affordable Refinance Program is designed to help homeowners who are “underwater” in their mortgages refinance.

Click here for more and to see if you qualify

FHA loans

There are lots of good reasons to choose an FHA loan.
To get started click here