About Us

Thank you for visiting us today.  Smart Mortgage Centers was founded in 1997 by Richard Birk.  Our mission is simple, find our clients the best possible mortgage options available on the market.  Our experienced team is trained to have you pre-approved quickly, meaning minutes not days.  our goal is to evaluate your current situation while having you approved in 20 minutes or less.  This includes reviewing the following details for each individual: 

  • Explanation of Mortgage Programs and Loan Types
  • Current Rate Options, Mortgage Payment and Terms (8 - 30 year options)
  • Easy Online Application, Electronic Signatures, Secure Document Upload System
  • Pre-Approvals in 20 minutes - Shop for a Home or Refinance Quickly 
  • Average Closings (11 - 30 days)
  • Free Credit Review

The home buying or refinancing experience should be simple but personal.  We promise not to pass you around, you will work one on one with the same licensed professional from start to finish.  They will even be by your side at the closing table.  join the thousands we've supplied with exceptional mortgage service. We will exhaust all means to find you the best possible mortgage on the market. Read hundreds of reviews about Smart Mortgage Centers from local consumers across Arizona, Colorado, Florida, Illinois, Indiana, Iowa, Virginia and Wisconsin.  We will be servicing more states soon.

We look forward to working with you. 

President - Richard Birk