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. We are a residential mortgage company offering financing programs for almost any type of property including single and multi-family homes, condominiums, townhouses, modular homes and even commercial properties.

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 below and a loan consultant will follow-up with you. You can also start your application online in just a few short steps.


"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

Click on the programs below to see your options.


Better Business Bureau A+ Accredited -

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

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

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

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

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.

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

We offer more home buying options. Down payment assistance, 1% down mortgage and even alternative lending for poor credit.

FHA loans offer easier qualifications when refinancing or purchasing a home. Buy with as little as 3.5% down. Credit scores down to 550

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

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

We offer wholesale rates and true no closing cost loans.

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

Homeowners who have little or no equity, or owe more than their home is worth. HARP will end December 31, 2018, so now is the time to check your eligibility.

Get a lower rate, shorten your term and save. Cash out, debt consolidation, skip two payments. Refinance your home equity loan into one mortgage.

Get up to date mortgage guides, tips and visit our Q & A section. Call our 24 hour mortgage question hotline at 888-416-0920.

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

Loan Options | Smart Mortgage Centers