When it comes to home loans, we combine 24 years of experience with the latest technology. A proven combination which allows us to find our clients a better mortgage. Every transaction is treated as if we were buying or refinancing our own home. Nothing but 5's, hundreds of 5 star reviews on every search engine.
The Better Business Bureau gives us an A+ rating and complaint free awards for 6 consecutive years. A place where clients take the time to write about their experiences. Each client tells a unique story, but all have similar things in common, smooth transactions, wholesale rates and attention to detail.
The Better Business Bureau gives us an A+ rating and complaint free awards for 6 consecutive years. A place where clients take the time to write about their experiences. Each client tells a unique story, but all have similar things in common, smooth transactions, wholesale rates and attention to detail.
Services
Thank you for visiting us today. Smart Mortgage Centers was founded in 1997 by Richard Birk. Our mission is simple, find our clients the best possible mortgage options available on the market. Our experienced team is trained to have you pre-approved quickly, meaning minutes not days. Our goal is to evaluate your current situation while having you approved in 30 minutes or less.
Grants for Homebuyers are available to assist with down payments and or closing costs. Grants at Smart Mortgage Centers are completely forgivable and you are not required to be a first time homebuyer. The grant program is only available to borrower's applying for mortgage financing with Smart Mortgage Centers.
2021 homebuyer guidelines are giving new homebuyers more options. Programs being offered allow for homebuyers to buy with no money down across the USA. Browse the no money down programs that are available in your city, we specialize in grant programs, USDA home loans, VA home loans and more. Celebrating our 24th year in business we ready to help you with your NO MONEY DOWN home loan.
Rate and term refinancing is driven primarily by a drop in interest rates. When rates drop, take advantage of free quotes to see how much you can save. Thinking about changing your term, we offer fixed and adjustable terms from 3 years to 30 years. Common fixed rate terms would include our 10, 15, 20 and 30 year mortgage.
A cash-out refinance is a refinancing of an existing mortgage loan, where the new mortgage loan is for a larger amount than the existing mortgage loan, and you (the borrower) get the difference between the two loans in cash. Basically, homeowners do cash-out refinances so they can turn some of the equity they've built up in their home into cash.
Reviews (2)
Edward S.
Feb 12, 2018
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We highly recommend Ryan Klaic from Smart Mortgage Centers. He put together an attractive mortgage package for our $1.4M home purchase in Hinsdale, IL, while also helping us to navigate a process that was particularly challenging because I was relocating my family across the country and switching jobs (which lenders categorically hate).
Ryan is deeply knowledgeable about lenders' underwriting standards and the mortgage process, through having done this work for 13+ years. He guided us adeptly through a complex roster of actions and considerations that needed to be taken in order to achieve
Ryan is deeply knowledgeable about lenders' underwriting standards and the mortgage process, through having done this work for 13+ years. He guided us adeptly through a complex roster of actions and considerations that needed to be taken in order to achieve
Samantha S.
Aug 09, 2017
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Jon is so easy to work with and makes the painstaking and dull process of refinancing or obtaining a loan more than just bearable. Almost (ALMOST) enjoyable. But seriously after using Guaranteed Rate I had PTSD and after two transactions with Jon, it's been like therapy. He's really efficient, responsive, and effective.
