Let's Help You...

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

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
  • icon Get Your Offer Accepted
  • icon 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
  • icon Shop Multiple Lenders
  • icon 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
  • icon So Many Programs 
  • icon 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
  • icon Extra Monthly Money
  • icon 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
  • icon Home Improvement
  • icon 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
  • icon Lower money towards interest
  • icon Paying off the home sooner!

Welcome To Smart Mortgage Centers, Inc.

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.

Monthly Payment Mortgage Calculator*

Use this calculator to see monthly payments for different loan amounts.

* Please note: this calculator is for illustration payments and actual payments may vary.

Our Satisfied Clients


We work conforming and non-conforming real estate loans.

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Latest Blog Posts

Our team at Smart Mortgage Centers, Inc. is fast, friendly, experienced and here to help you every step of the process!

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!

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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!

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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!

The Smart Mortgage Centers, Inc. Address

Contact Us:

Phone: (888) 416-0920

Address: Illinois Office: 350 Houbolt Rd Suite 205
Joliet ,IL

Address: Florida Office: 38852 US-19, Tarpon Springs, FL 34689

Office Hours:

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.

Click here for more

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Apply Now

Get started with our easy online application.

Click here to get started

latest news

Latest News


There are lots of good reasons to choose an FHA loan.

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Calculate Monthly Payment*

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.