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Whether you're buying a home or refinancing we're here to help!
We can get you prequalified online so you can make an offer with confidence that it will get accepted.
We will use our network of lenders to shop for the best rates and loan program to fit your needs.
Our team will use our expertise to make sure your loan gets funded fast! We make funding a breeze.
At Smart Rate Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
We work with more than 100 investors. This allows us to get you the best rates on all types of loan programs including: 30yr mortgage, 20yr mortgage, 15yr mortgage, 10yr mortgage, 1yr ARMS, 3yr ARMS, 5yr ARMS, Conventional, Jumbo, Home Equity Lines, VA and Commercial. Whether your situation calls for Full Documents, No Documents, Non-Owner Occupied (Investor) or Multi-Family, we'll fit your needs!
We work conforming and non-conforming real estate loans.
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Use this calculator to see monthly payments for different loan amounts.
* Please note: this calculator is for illustration payments and actual payments may vary.
We know the area and the market and we're part of your community, not a bot on the net :)
We work to close your loan as quickly as possible. We can even hit curveballs!
We offer a hybrid approach of new technology to speed closing and old fashioned customer service and communication.
We have the latest online tech like secure mobile uploading and we're available to use the device the old-fashioned way too!
We can help you lock in a long term fixed rate and get out of your ARM.
Get started with our easy online application.
There are lots of good reasons to choose an FHA loan.