• 10 year, 15 year, 30 year low fixed rates...

  • 3, 5, 7 year adjustable low rates...

  • Refinance Into a Low Fixed Rate and Cash Out...

  • FHA Loans, Veteran Loans, 203K Renovation, Reverse Mortgage...

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

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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 hold the highest ratings with google and 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.

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

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We never ask for application fees or upfront fees
Incorporated in Illinois since 1997
A+ Accredited with the Better Business Bureau
Complaint FREE Mortgage Company
We have wholesale rates and no closing cost options

CALL Today to get started (888) 416-0920

Need a Realtor? Check out a list of our preferred Real Estate Agents.


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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see what our clients are saying.

I used Smart Mortgage for a refinance and everything went great. Service was prompt, accessible, friendly, and I was treated like family.

Jason, Oswego, IL

Latest News

Germany needs to limit refugee influx, close borders: Merkel allies

Migrants rest at an temporary shelter in a sports hall in HanauBy Michelle Martin BERLIN (Reuters) - Germany needs to limit the number of refugees it takes in or even close its borders, conservative allies of German Chancellor Angela Merkel said at the weekend, as the country deals with record inflows of people fleeing from war and poverty. Around 800,000 migrants are expected to arrive in Germany, Europe's largest and richest economy, this year and complaints from politicians, the federal states and the municipalities that they cannot cope are growing. German Finance Minister Wolfgang Schaeuble said Europe needed to restrict the refugee intake, and members of the Christian Social Union (CSU), the sister party to Merkel's conservatives in Bavaria, said Germany should shut its borders.