Thousands of happy clients since 1997.  100 Five Star reviews on the Better Business Bureau!

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



Read what our clients are saying about us:

Rand E.

Better Business Bureau 5 Star Review

I was at a 15 year loan but also had a home equity loan and wanted to combine the two in a 15 year loan. After checking a couple of other lenders i felt they were not telling the truth. I called Jon at smart mortgage and immediately i felt that i could trust him and was extremely pleased with the service and attention. All questions were answered quickly with explanations if I did not understand. The process went faster than I anticipated and we closed approximately a week after the appraisal was completed. Thanks Jon, for all your help

Debbie S.

Better Business Bureau 5 Star Review

Anthony McDougall exceeded our expectations in all aspects,going above and beyond he kept us in the loop throughout the whole process and in finding us ways to keep our final expenses as low as possible I feel we got the best deal we could have. We are very happy with our choice.

Elizabeth Lopez

5 Star Google Review

I highly recommend Brian Noe and Smart Mortgage Centers Inc.! I needed to close in 1 month and Brian was able to help me do this by being on top of everything to make sure that the closing would go smoothly and there would be no surprises. I also liked his quick response after I would leave him a message even on weekends and his thorough explanations on things that I did not understand. He is a very hard working, dedicated man and a perfectionist. Thank you Brian Noe and Smart Mortgage Centers Inc. for making my dream come true of becoming a homeowner!

Nina Torres 

5 Star Google Review 

I refinanced my current mortgage with Smart Mortgage and I was so happy with the service I received. When everyone else told me I couldn't refinance because of my credit, they took me in and I closed within a month of starting the process. Jon Butusov was super helpful and explained the entire process. He was very professional and was in constant communication with me letting me know the next step. I would highly recommend this company!!

Brian Rimbo

5 Star Google Review

Brian Noe , Sales Manager for SMART Mortgage was excellent. He made sure my wife and I made informed decisions. He made us feel that he had our best interest in mind. The process was very easy to understand. The electronic application and document control was very safe and secure. I recommend SMART Mortgage.

Gabriel Hudson Jr

5 Star Google Review

My wife and I had a great experience working with Brian Noe. We were new to buying a home and he took time to explain everything to us no matter how many questions we asked. Our first visit there they had a pizza party for the employees there and the owner came out and offered me and my wife to join them while Brian looked up more info. Quality service is over looked to often. They deserve every bit of the 5 stars!!! Thanks!! 

Maria Gonzalez 

5 Star Yelp Review

I have worked with Ryan on several refinances and the experience has been overwhelmingly positive every time. Not only has Ryan taken care of everything without hassle, he has put in extra time to make sure I received the best rate, cash out when I needed it, and always closed on time. I could not be happier with my experience and have recommended Ryan to my brother and my mom! If you want to save yourself a headache and know your getting the best loan possible, go with Smart Mortgage.

Aron Jaime

5 Star Google Review

The most professional hardworking mortgage my family and i have worked with. After declaring bankruptcy during the house market crisis. We thought there was no way to become homeowners anytime soon. After being denied 2 previous times in 2015 and 2016 we decided to try 1 last time and were referred to SMART MORTGAGE CENTERS and EDUARDO PRATS in particular. He worked harder then any other loan officer and as of June 2016 i am a house owner once again. I would recommend 100% EDUARDO PRATS to family members and friends and anyone trying become a homeowner.

Carla Price

5 Star Google Review

Our broker was excellent!!! Cindy was professional, efficient and on point with details. We were able to contact her via email and text and received immediate response. The process was clean and everything worked as she indicated in refinancing our home.

We made a Smart choice!

Thank you!!

Tyrone & Carla

Austin F. 

Google 5 Star Review

I selected Smart Mortgage Centers simply based on all the positive reviews and I wasn't disappointed. They exceeded my already high expectations. I am a first time home buyer and Brian Noe answered all of my questions honestly and promptly. I could not have asked for a better person to walk me through the various processes from start to finish. Thanks Brian. 

Angie Lee

Google 5 Star Review

Brian Noe was super helpful with our refinance!!! He kept everything moving fast which was very important to us. Everything was very smooth and easy. We had one issue come up but he explained everything and went over all possible options. I have bought several homes and this was pretty stress free with no big surprises. Brian is on top of everything and always checked in on us. Thanks for all of your help!!!

Dave Brest

Google 5 Star Review

Great experience for purchasing a new home. I would recommend to anyone looking for a mortgage company not only takes care of your needs but explains everything to you so you understand as well. Jon shopped for the best rate and we got it!

Dan Hoffman

Better Business Bureau 5 Star Review

From the beginning, I was very impressed with Smart Mortgage. Unlike so many other similar companies, the initial call was not a sales call to sell me anything, it was simply a call to let me know that they could help me with a mortgage if I really wanted it. As the process proceeded, I was very impressed with the responsiveness, knowledge and professionalism and I was given a firm understanding of my options. Regardless of day or night, my questions were answered very quickly and completely. I give Brian Noe and Smart Mortgage my highest recommendation, as they exceeded my expectations, had my best interests in mind, worked diligently to address problems as they occurred and ultimately, provided me with a new mortgage that saved me a considerable amount of money. Thank you Brian and the Smart Mortgage Team!

Galena Reservations

Google 5 Star Review

I worked with Heather Steger and she was great to work with! She took care of everything for me and got my loan approved and closed in no time! I would highly recommend her to everyone looking for financing.

Scott H

Google 5 Star Review

Our search for a lender came to a halt immediately after meeting with Jon Butusov from Smart Mortgage. From the moment he came into the office on his day off (a Saturday nonetheless) for the opportunity to gain our business; we knew we were dealing with a professional that will go above and beyond to meet & exceed our needs. His organization all fit this mold and we are extremely fortunate to have had them handle our recent purchase.

It felt like we had been friends for years, how comfortable he made us. The details and patience quickly demonstrated that he was there to be as flexible and upfront as possible to make sure we were aware of all the options, yet not waste our time on options that did not fit our plans. I can't stress enough how flexible, patient and helpful Jon and his team were throughout the process. In a world of complexity around rates, he was able to simplify the entire process, get us a fabulous rate and remove stress. Best in Biz! Top Notch! Highly Recommend!

Barb Miller

Google 5 Star Review

Brian Noe from the very first day was considerate of my financial needs and took into account everything that I wanted to achieve. He even gave me tips on how to clean up a few things on my credit that were not correct. I would recommend Brian Noe and Smart Mortgage Centers to anyone looking for a loan. Too bad he cannot help me with a home loan in Washington State in the next year; I have never had better help in completing a home loan. Just one more thing, Brian followed up with me on Saturday's and Sunday's and even kept me apprised of closing during my vacation. All we had to do was come back and sign and we were all finished.


Barb & Joel Miller

Pat Stanfel

5 Star Google Review

I am a Real Estate Agent in the Plainfield area who recently had the pleasure of working with Brian Noe on a Real Estate purchase for one of my buyers. He was able to secure a loan for my buyer who was declined by several other companies! Brian was very knowledgeable and active through the entire process all the way through closing. I would certainly recommend Brian to anyone considering a home purchase.

Joyce A 

From beginning to end we were in constant touch with Brian. We started out as co-signers and ended up being the owners! Because we did a VA loan this was a very stressful process mainly because we were looking for a quick closing date. Once you have your pre-approval letter in hand and you make an offer things move fast! Brian was on top of everything that was needed to get approved for closing. We will definitely recommend Brian and Smart Mortgage and hopefully will be using him again in the future.

Ed and Linda M

Brian and Kelly were great to work with on our new mortgage. Everything was exactly as Brian explained on day one. Initial visit to their office, a couple of phone calls, emails and texts, All Done.

They helped us to achieve every one of our mortgage goals, and we would Highly Recommend them.

Thank you Brian and Smart Mortgage Center of Naperville.

Ed & Linda M of Oakhurst Neighborhood, Aurora, IL

Sue S.

Better Business Bureau A+ Review

Very impressed. Jon walked me thru a difficult refi of 2 properties simultaneously. Always a quick response to any of my concerns. Would definitely recommend working with them.

Chicago, IL

Barbara L.

Better Business Bureau A+ Review

We just closed on a refinance and our agent was Anthony Mcdougall The experience was great and we did most everything by email with a couple of phone calls. The ability to e-sign documents, fax or scan paperwork was handled smoothly by Anthony and his team. We highly recommend Smart Mortgage Center and Anthony if you are in the market to buy or refinance!

John C.

Better Business Bureau A+ Review

Worked with Jon on a refi and it was terrific. My situation was a little bit complicated based on a few moving parts, however, the process went very smooth and all my options were clearly explained as we went along. I'm very pleased with the outcome.

Charles A.

Better Business Bureau A+ Review

This was third time I used SMART Mortgage Centers and all three times went great. We used them for a refinance, a purchase and then another refinance. Jon did a wonderful job each time and is extremely knowledgeable. He is quick to respond to any questions and will not let you down.

Bob P.

Google 5 Star Review

I can't say enough about Brian Noe at Smart Mortgage.  I was highly impressed and would not hesitate to recommend him to my family, colleagues or friends. He is on the ball 24/7, work ethic second to none, extremely knowledgeable, detail-oriented, highly communicative, fast service, and I received excellent loan terms. My loan request was also extremely complex and involved a lot of know how, work and patience. He navigated unprecedented waters like a champ that even my attorney was impressed and wanted to use him on other complex loan transactions in different states throughout the country. Brian tackled everything in his path head on, stayed the course and made it happen. I'm very lucky to have worked with this individual.

Vivian S.

Google 5 Star Review

Excellent service! Ryan is very knowledgeable and responsive. It has been such a pleasure working with him. Ours presented some challenges including time constraints but Ryan's expertise allowed us to overcome all wonderfully. We are very pleased.

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.

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"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