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VA Loan

Key Benefits

Buying A Home With A VA Loan

  • Buy a Home with No Down Payment. 
  • Use your VA Benefits even if you used them in the past. 
  • No mortgage insurance premiums.

Refinancing With A VA Loan

  • Get lower interest rates than home equity loans and lines of credit.
  • Borrow up to 100% of your home’s value with a VA cash-out refinance.
  • Already have a VA loan? Ask us about refinancing up to 120% of your home’s value.

The Benefits Of Working With Smart Mortgage Centers

  • We’re a VA-approved Mortgage Company since 1997.
  • You get one on one personalized service 24 hours a day.
  • Better Business Bureau Complaint Free Awards 7 Consecutive Years.
  • We offer wholesale rates, ask our professionals why wholesale is better than retail.
  • We never charge application fees and quotes are always free.

We Served Thousands Of Service Members Since 1997

“I had a difficult situation having to sell one property to re-use my VA benefit on my new construction home on a very short time line. Brian and the Team at Smart Mortgage Centers made it happen without any issues. When I was told by other lenders that it wouldn’t happen they came through! I would recommend this team for any home buying situation.”

Dennis Warren, Highland, IL USA

How It Works

The Different Types Of VA Loans

  • Pick a VA mortgage term that works for you. popular terms include 15 & 30 year fixed terms.
  • Plan on moving within 5 years, get a super low adjustable rate mortgage.
  • VA loans up to $1,500,000 with Jumbo VA financing.

How VA Loans Work

  • Our licensed Mortgage Brokers will find out if you qualify within minutes.
  • Used your VA loan benefits in the past, don’t worry we will find out if you can use them again.
  • No PMI or private mortgage insurance is necessary.
  • VA funding fees are rolled into your loan amount.
  • We will get you to the closing with little to no money, the VA limits fees for service members.
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