(888) 416-0920

Top Rated Local Mortgage Company

Call Today: 888-416-0290

Lower Rates, No Application Fee and Local since 1997.

Mortgage programs starting at (500 FICO Scores). Don't settle for retail rates. Get a lower rate and no closing cost options with Smart Mortgage Centers.

We are currently the highest rated and reviewed mortgage company in Illinois. Learn more about the programs we offer.

For over 21 years we have been helping residents find the perfect home loan. When it comes to home financing we offer more programs and thoroughly explain your options. 

Don't get lost in the shuffle, work one on one with a licensed local professional now.

If you are ready to apply for a loan right now, please select apply now. This will take about 10-15 minutes to complete.

Si quieres ver las aplicaciones españolas por favor, haga clic en la Aplican Ahora enlazar a la derecha

One on one support from start to finish. Online applications, secure document uploads, electronic signatures and pre-approvals in minutes.

The Smart Team closes loans extremely fast!  Rates are low so get started now.

500 - 579

Alternative Lending

Programs for all types of Credit Scores

More Options

  • Low 8 - 30 Year Fixed Rates
  • Free Credit Scores
  • FHA & VA Options
  • No Application Fees
  • Fast Closings

Programs for all types of Credit Scores

580 - 619

When lenders and banks say no we analyze your situation and find a solution.

Excellent Credit 

Loan Purpose

Loan Options

  • Elite 8 - 30 Year Fixed Rates
  • Free Credit Scores
  • No Application Fees
  • Fast Closings
  • Get Pre-Approved Now

Elite borrowers deserve the best mortgage rates available.

Fair Credit 

Bad Credit 

700 - 850

Make the mortgage process simple with one on one service from start to finish.

Poor credit borrowers have more options. Even with past hiccups.

  • Low 8 - 30 Year Fixed Rates
  • Free Credit Scores
  • Wholesale Rates
  • No Application Fees
  • Fast Closings

More Options

620 - 699

Good Credit 

  • Low 8 - 30 Year Fixed Rates
  • Alternative Lending
  • FHA, VA, Non-Prime Options
  • No Application Fees
  • Prior Foreclosure, Bankruptcy, Short Sale, Modification Okay

Smart Mortgage Centers is rated 5.0/5.0 based on 330 reviews.


Real Customers Real Reviews


Smart Mortgage Centers

4003 Plainfield Naperville Rd. Ste 207 Naperville, IL 60564

Illinois Mortgage Hotline 

24 Hour 888-416-0920

Illinois Website Click Here

Smart Mortgage Centers

1942 Broadway Street, Suite 314C

Boulder, CO 80302

Colorado Mortgage Hotline  

24 Hour 888-416-4805

Colorado Website Click Here

Smart Mortgage Centers

38850 U.S Hwy. 19 North Tarpon Springs, FL 34689

Florida Mortgage Hotline 

24 Hour 888-951-2929

Florida Website Click Here

Walk ins welcome or we will come to you.


Communication Consent: 

By submitting your contact information you agree to our Terms of Use and our Security and Privacy Policy. You also expressly consent to having Smart Mortgage Centers and potentially our mortgage partners contact you about your inquiry by text message or phone (including automatic telephone dialing system or an artificial or prerecorded voice) to the residential or cellular telephone number you have provided, even if that telephone number is on a corporate, state, or national Do Not Call Registry. You do not have to agree to receive such calls or messages as a condition of getting any services from Smart Mortgage Centers or its affiliates. By communicating with us by phone, you consent to calls being recorded and monitored. NMLS 222269 | Illinois, Florida MBR2455 & Colorado Residential Mortgage Licensee 4870 | Equal Housing Lender | Smart Mortgage Centers is Regulated by the IDFPR 100 W Randolph St, Chicago, IL 60601 Ph: (888) 473-4858 Smart Mortgage Centers corporate headquarters is located at 4003 Plainfield Naperville Rd. Ste 207 Naperville, IL 60564 Ph 630-904-1800 1997-2016 SMART MORTGAGE CENTERS INC., All rights reserved © 1997 - 2017

Privacy Policy


This is not a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over life of loan. Reduction in payments may reflect longer loan term. Terms of the loan may be subject to payment of points and fees by the applicant. SMART Mortgage Centers is an Equal Opportunity Lender and an Equal Housing Lender. NMLS 222269