Lower Your Payment
Lower Your Rate
Get Your First Home
Get Your Dream Home
Get Cash Out
Whatever your goals are we are here to help! Click our prequalifier to get started!
Questions Call (888)416-0920
We can get you prequalified online so you can make an offer with confidence that it will get accepted.
We will use our network of lenders to shop for the best rates and loan program to fit your needs.
So many loans offered including Low and No money down options. Let us find the perfect loan for you.
Fund Your Dream House
Take advantage of today's historically low rates, a lower payment can provide security in uncertain times. Total finance charges may be higher over the life of the loan.
Reduce My Payment
If your house has increased in value, you can use that equity to get cash-out, for whatever you need! Pay off debt, home improvements, or take a vacation.
Use My Equity
Rates on 15 year mortgages can make the payment similar but the pay-off years sooner! We have custom fixed terms from 8 - 30 years.
Shorten My Term
At Smart Mortgage Centers, Inc., we have the ability to have you pre-approved in minutes. Face to face, online or by phone. Our #1 priority is to quote the lowest mortgage rate with low or NO closing cost options. If you aren't working with Smart Mortgage Centers chances are you're paying to much for your mortgage.
Take the time to browse our loan programs, use our calculators and apply online. This is our 25th year in business. As a complaint free company we hold the highest ratings including A+ accreditation with the Better Business Bureau and hundreds of 5 star ratings with Google, Yelp, Facebook and BirdEye.
Use this calculator to see monthly payments for different loan amounts.
* Please note: this calculator is for illustration payments and actual payments may vary.
We work conforming and non-conforming real estate loans.
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Our team at Smart Mortgage Centers, Inc. is fast, friendly, experienced and here to help you every step of the process!
We know the area and the market and we're part of your community, not a bot on the net :)
We work to close your loan as quickly as possible. We can even hit curveballs!
We have the latest online tech like secure mobile uploading and we're available to use the device the old-fashioned way too!
Phone: (888) 416-0920
Address: Illinois Office: 350 Houbolt Rd Suite 205 Joliet ,IL 60431
Address: Florida Office: 38852 US-19, Tarpon Springs, FL 34689
Open 7 days a week. Call (888)416-0920
Serving Colorado, Florida, Illinois, Indiana, Iowa, Virginia and Wisconsin.
We can help you lock in a long term fixed rate and get out of your ARM.
Get started with our easy online application.
Click here to get started
There are lots of good reasons to choose an FHA loan.
*=This is only an estimate, provided for illustrative purposes only. Actual rates and payments may vary. It does not constitute a quote. Rates based on a Loan Amount of $315,000, Loan to Value (LTV) 70%, Credit FICO Score 770. Rates, terms, and fees are subject to change without notice. Rates are posted daily at 11am Monday – Friday. Rates are not posted on the weekend. Call the Smart Mortgage rate lock line now (888)416-0920.