• Welcome To Our Web Site...

  • 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

Asian stocks subdued in holiday thin trade, Ukraine tensions mount

Man looks at an electronic board displaying Japan's Nikkei average and various countries' stock indices outside a brokerage in TokyoBy Shinichi Saoshiro TOKYO (Reuters) - Asian stock markets started the week on a subdued note on Monday, as tensions in Ukraine kept investors cautious amid the absence of catalysts as several markets remained closed for Easter holiday. MSCI's broadest index of Asia-Pacific shares outside Japan inched down 0.1 percent. Japan's Nikkei stock average, one of the few major stock markets that traded on Friday, edged up 0.5 percent. Global markets have been buffeted in recent weeks by tensions in Ukraine, signs of slowing growth in China and uncertainty over when the U.S. Federal Reserve would start to tighten interest rates.


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