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  • We Will Help You 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...

Offering Wholesale Rates and No Closing Cost Options!

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. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

Purchasing a home is probably one of the biggest investments you'll ever make in your lifetime. We are with you every step of the way. You will save a lot of time if you determine what mortgage amount you can qualify for before you start looking at homes. As a rule, you don't want to spend more then 29 percent of your gross monthly income (that's before taxes are taken out of your paycheck). You'll need to consider current interest rates. The lower the rate, the higher the home price you'll be able to qualify for. Use our calculator to give you an idea of how much you can afford.

Purchase your new home.

Be a Smart Buyer and get Pre Approved before you Shop.

Take the first steps to puchasing your new home and hit apply now.
New Home purchase apply now 

 

  • Rated top local lender in 2013
  • Member of the Illinois Assocation of Mortgage Professionals
  • Complaint free award presented by the Better Business Bureau.
  • Better Business Bureau A+ Accedited and Preferred Mortgage Lender. 
 

Today's Rates*

TermRateAPR
30 Yr Fxd4.375%4.61%
15 Yr Fxd3.375%3.796%
5 Yr ARM2.875%3.038%
*=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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Latest News

VW to keep adding Chinese capacity amid double-digit growth

People pass row of Volkswagen e-Golf cars during company's annual news conference in BerlinVolkswagen will keep adding capacity in China as the German group is counting on double-digit growth in the biggest auto market, helped by strong economic growth in interior regions. Europe's largest carmaker said in March 2013 it was planning to almost double production capacity in China to be able to make more than 4 million vehicles in its largest market by 2018. "We will further expand our capacities to be able to respond to the high market growth," Jochem Heizmann, head of VW's China operations told reporters on Saturday ahead of the Beijing auto show. VW increased its own deliveries in the country 16 percent in 2013 to 3.27 million autos.


Testimonials

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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Better Business Bureau A+ Accredited Mortgage Company