Celebrating 21 Years in Business!  We work hard to find you the perfect mortgage.

Refinance | Buy a Home | Call 888-416-0920


Smart Mortgage Centers, Inc. is an Illinois, Florida & Colorado residential mortgage company with an outstanding reputation - a reputation built on honesty, trust, and a commitment to ethical lending practices. We have been in business for 21 years and hold the highest A+ ratings with the Better Business Bureau, Google, Bing, Yelp and Yahoo. We've helped thousands of families find the perfect home loan for their needs. Because Smart Mortgage is a direct mortgage company - you work one-on-one with a caring, knowledgeable, and friendly licensed mortgage consultant.

When you buy a home or refinance, we make the mortgage process smooth and enjoyable. Our special mortgage pricing software allows us to shop a variety of lenders in minutes. This allows us to find you a lower rate, faster turn times and low or no closing cost options. In some cases clients who refinance can even skip two payments. More attractive benefits would include hundreds of loan programs, less time shopping and we only will pull your credit one time. Simply put the Banks don't have options like we do. Don't settle for a retail mortgage rate when we can offer you a wholesale rate

We will work hard to earn and keep your business, and promise you the following:

Convenience – Apply by telephone at 888-416-0920 or Get Started Online. Some of our clients choose to stop by our office. We will come to your home and walk you through the entire process.  Rather apply on your own time? You can complete your application online, sign your loan documents by electronic signature and even upload your documents to our secure portal.  Either way, you’ll have the confidence of knowing a knowledgeable licensed mortgage consultant is available to guide you through the loan process from start to finish.

Speed – Our own in-house processing helps us move loans quickly from application to close.

Simplicity – Since we are a Mortgage Broker we have access to hundreds of programs and rate options. That means lower mortgage rates and easier qualifying options for less than perfect credit.

Flexibility – Even if your credit is less than perfect, we may be able to get your application approved. Being a mortgage broker gives us many more options to help you qualify for a home purchase or refinance. We are able to supply our clients with wholesale rates that beat the banks.

Knowledge – Every one of our Mortgage Consultants has in-depth knowledge of mortgage financing and each has completed all of the necessary education and state licensing requirements.

Quality Customer Service – Your Smart Mortgage consultant will be with you every step of the way – from time of application to the funding of your loan. They will be available to you to answer your questions and give you peace of mind.

Languages Spoken - English, Spanish, Korean, Hindi, Urdu.

Call us now 888-416-0920 for a free, confidential, and no-obligation mortgage consultation.


Great Team! From start to end the entire team was great to work with. Tom kept me updated with every step of the process. Jon went above and beyond when the mortgage companies website was down and my certificate of disclosure was unreachable. And Kelly jumped in to make sure I was able to close on time.

Google 5 Star Rating

Brian Noe and his people were outstanding. My particular refinance was complicated and yet it didn't phase Brian at all. He and his team were extremely knowledgeable about everything. It was obvious that we were well served.

Better Business Bureau A+ Accredited

Yelp 5 Star Rating

We just closed on a VA streamline refinance and Anthony McDougall was our agent. The experience was great and we handled everything by email and a few phone calls. Anthony stayed on top of things and communicated with us all along the way. The ability to e-sign documents, fax and scan paperwork and work from the comfort of home is a plus. We highly recommend Smart Mortgage Center and Anthony and his team!

"Since 1997 we provide the highest 5 star customer service, lower rates and low to no closing cost options.  Your home loan is handled with care from start to finish, assuring a smooth and enjoyable experience".

Vice President, Brian Birk