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Celebrating 21 Years in Business! We offer more homebuyer programs and lower wholesale rates.

Elite Mortgage Rates

Call 888-416-0920

ELITE PRICING FOR ELITE BORROWERS

If you find a house that is less than perfect, don't worry we offer the FHA 203K home purchase program. Learn more about RENOVATION LOAN PROGRAMS click here. 

Key Features

  • Exclusive low rates and pricing
  • Conventional Elite fixed and ARM rates starting at 700 FICO/$200,000/80% loan to value
  • FHA Elite and VA Elite rates starting at 640 FICO, $125,000/no minimum loan to value
  • Appraisal waivers honored on Conventional Elite loans

CONVENTIONAL HIGH BALANCE

SMC EXCLUSIVE

An exclusive opportunity that allows us to offer conventional high-balance loans to all of our borrowers - even those outside of the counties eligible under Fannie Mae and Freddie Mac.  Don't get pushed into a jumbo loan.


  • Loan amounts from $453,101 - $679,650
  • Minimum FICO scores 680
  • Max 80% loan to value / 43% DTI
  • Primary and Second Homes
  • Lower Rates, easier guidelines, and fewer docs than Jumbo
  • Faster turn times, averaging 15 days or less

THE LEARNING CENTER

Smart Mortgage Centers

"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

THE SMART GUARANTEE:

Over 300 five star reviews on Google, BBB and Yelp.

First Time Homebuyers | Smart Mortgage Centers