How We Can Help Buy Your Dream House
Get Pre-Qualified
We can get you prequalified online so you can make an offer with confidence that it will get accepted.
- Benefits
Get Your Offer Accepted
Know Your Buying Range
Shop For Best Rate
We will use our network of lenders to shop for the best rates and loan program to fit your needs.
- Benefits
Shop Multiple Lenders
Lower rates, Lower Payments
Amazing Programs
So many loans offered including Low and No money down options. Let us find the perfect loan for you.
- Benefits
So Many Programs 
Get Your Dream House
Refinance with Historically Low Rates!
Lower Monthly Payment
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.
- Good For
Extra Monthly Money - Retirement Savings!
Get Cash Out
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.
- Good For
Home Improvement
Paying high-interest debt
Shorten Your Loan Term
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.
- Good For
Lower money towards interest
Paying off the home sooner!
The Smart Mortgage Centers, Inc. Advantage
Local Knowledge
We know the area and the market and we're part of your community, not a bot on the net :)
Fast Processing
We work to close your loan as quickly as possible. We can even hit curveballs!
Best Service
We have the latest online tech like secure mobile uploading and we're available to use the device the old-fashioned way too!
Utilizing Technology
We have the latest online tech like secure mobile uploading and we're available to use the device the old-fashioned way too!
Refinance
We can help you lock in a long term fixed rate and get out of your ARM.
Latest News
Calculate Monthly Payment*
*=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.