When it comes to home loans, we combine 24 years of experience with the latest technology. A proven combination which allows us to find our clients a better mortgage. Every transaction is treated as if we were buying or refinancing our own home. Nothing but 5's, hundreds of 5 star reviews on every search engine.
The Better Business Bureau gives us an A+ rating and complaint free awards for 6 consecutive years. A place where clients take the time to write about their experiences. Each client tells a unique story, but all have similar things in common, smooth transactions, wholesale rates and attention to detail.
The Better Business Bureau gives us an A+ rating and complaint free awards for 6 consecutive years. A place where clients take the time to write about their experiences. Each client tells a unique story, but all have similar things in common, smooth transactions, wholesale rates and attention to detail.
Services
About Us
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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 30 minutes or less.
Buy a Home
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Grants for Homebuyers are available to assist with down payments and or closing costs. Grants at Smart Mortgage Centers are completely forgivable and you are not required to be a first time homebuyer. The grant program is only available to borrower's applying for mortgage financing with Smart Mortgage Centers.
No Money Down Mortgage
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2021 homebuyer guidelines are giving new homebuyers more options. Programs being offered allow for homebuyers to buy with no money down across the USA. Browse the no money down programs that are available in your city, we specialize in grant programs, USDA home loans, VA home loans and more. Celebrating our 24th year in business we ready to help you with your NO MONEY DOWN home loan.
Refinance
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Rate and term refinancing is driven primarily by a drop in interest rates. When rates drop, take advantage of free quotes to see how much you can save. Thinking about changing your term, we offer fixed and adjustable terms from 3 years to 30 years. Common fixed rate terms would include our 10, 15, 20 and 30 year mortgage.
Cash Out Refinance
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A cash-out refinance is a refinancing of an existing mortgage loan, where the new mortgage loan is for a larger amount than the existing mortgage loan, and you (the borrower) get the difference between the two loans in cash. Basically, homeowners do cash-out refinances so they can turn some of the equity they've built up in their home into cash.
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