Celebrating 21 years in Business!  We offer more programs, lower rates and forgivable homebuyer grants.

Call 888-416-0920

Smart Mortgage Centers offers Homebuyer Grants.  To qualify the mortgage will be completed by Smart Mortgage Centers.

  •  620 Credit Score Required
  •  Grant is completely forgiven - no repayment required!
  •  Grant can be used for down payment and/or closing costs
  •  Seller Credit of 6% is allowed
  •  Gift funds are allowed!
  •  Borrower(s) not required to be First Time Homebuyers.
  •  Income limit is based on qualifying income used for     transaction, not household income.


For 21 years we have been offering our clients home loan solutions.  Options your local bank, credit union or even retail lenders can't offer.  We take the time to explain our programs knowing each individuals needs are different.  Here are just a few of the programs we offer.


Better Business Bureau A+ Accredited

Complaint Free Awards 2011, 2012, 2014, 2015, 2016 & 2017.

Over 300 - 5 star reviews on Google, BBB & Yelp and more.

"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