• Mortgage Rates are Low!

  • Qualify For Your First Home Loan...

  • Refinance Into a Low Fixed Rate...

  • Safely Draw Equity From Your Home With a Reverse Mortgage...

  • Whatever your funding needs. We can help. Get Started.

    Apply Online Today...

The Truth is we BEAT the BANKS!
Offering Low Rates and No Closing Cost Options

Smart Mortgage Centers is an Illinois home mortgage company with an outstanding reputation - a reputation built on honesty, trust, and a commitment to ethical lending practices while delivering low mortgage rates. We have been in business for over 18 years, helped thousands of borrowers, and have funded billions in home loans over the years. In fact, we are one of the preferred mortgage companies of the Better Business Bureau. We've assisted families across Illinois to find the perfect home loan for their needs. Even if your credit is less than perfect, we can most likely help you qualify for a new mortgage at low interest rates.

Why Choose Smart Mortgage Centers as Your Mortgage Company?

Because Smart Mortgage Centers is a direct mortgage broker you have the benefit of working one-on-one with the same caring and knowledgeable Mortgage Consultant throughout the entire transaction. Our goal is to always deliver a superior customer service experience from time of application to closing. We offer a wide variety of residential home financing solutions including conforming fixed rate loans, adjustable rate programs, no money down options (FHA, VA, & USDA), jumbo financing solutions, and even low credit score programs.

Great Pricing and Low or NO Closing Costs - Get Started

With interest rates near historic lows, now is a great time to consider buying a new home, refinancing an existing mortgage, or consolidating debts. Our consultants are mortgage experts who will guide you through the home loan process - every step of the way. Smart Mortgage Centers makes it easy for you to get the right mortgage at some of the lowest interest rates available. Call toll-free 1-888-416-0920 now, or get started online for a free, confidential, no-obligation mortgage consultation.

3 Ways to Contact Us for a Free Quote & Consultation

  • Call us Toll-Free at 888-416-0920
  • Use the Quote Form on the Right for Pricing Information
  • Get Started Online in Seconds
Need a Realtor? Check out a list of our preferred Real Estate Agents.

Latest News

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(Reuters) - Federal Reserve Vice Chairman Stanley Fischer said the European economic situation is improving, and that the U.S. central bank is expected to raise interest rates sometime this year.


I was worried that I wouldn't be able to qualify for a loan. I spoke with Smart Mortgage Centers and they told me to apply on their site. The next day they not only qualified me but had me locked into a great rate.

David N. Naperville, IL

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