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

Smart Mortgage Centers offers a wide variety of home financing solutions to meet the needs of our clients throughout Illinois and Colorado. We are a residential mortgage broker offering financing programs for almost any type of 1-4 unit property including single and multi-family homes, condominiums, townhouses, and modular homes.

Properties typically can be financed as one's primary residence, second home, or investment property. Please take a moment to review the various types of home loan solutions we offer and give us a call to discuss any products of interest - If you do not see a product your looking for chances are we have what your looking for.

Call us today at 888-416-0920 for a free consultation or use the Quote Form on the right and a loan consultant will follow-up with you. You can also start your application online in just a few short steps.


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Must be 62 or older. Stay in your home with no monthly payments. You will receive payments on flexible terms.

Safe, Secure, No Obligation

Fixed Rate Mortgage - Fixed terms 30, 25, 20, 15 or 10 years at historically LOW rates.

Adjustable Rate Mortgage - ARM terms 3, 5 or 7 years at ultra LOW rates.

Pick your own term from 8 - 30 years.


"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".

Homeowners who have little or no equity, or owe more than their home is worth. HARP will end September 30, 2017, so now is the time to check your eligibility.

Vice President, Brian Birk



No Down Payment Required. Flexible credit requirements. Closing costs can potentially be covered by the seller or financed into the loan.

We offer a variety of programs. Grants, 1% down conventional, 3.5% down FHA.  Even options for self employed borrowers.

Refinancing with less documentation, in some cases no credit check or appraisal are necessary.

Service members deserve NO down payment and NO PMI (private mortgage insurance). VA purchase & refinance options are available.

Jumbo loans up to 3 million. Buy with as little as 5% down. Refinance your jumbo to a super low ARM rate.

FHA loans offer easier qualifications when refinancing or purchasing a home. Buy with as little as 3.5% down. Credit scores down to 560

Click on the programs below to see your options.

We offer wholesale rates and true no closing cost loans.

Foreclosure, bankruptcy, short sales, late payments okay. 12 or 24 month bank statement programs. Credit scores down to 500. 

Better Business Bureau A+ Accredited -

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

Over 200 - 5 star reviews on Google, BBB & Yelp.