Find a Smarter Home Loan Today
THE GOSPODAREK TEAM
Helping people achieve homeownership for 25 years. Begin your pre-qualification online using our secure, encrypted and completely private online pre-qualification through our loan center. Let’s get moving— FIND A PRODUCT that suits your needs.
Questions Call (888)999-1350
Loan Options we Offer our Clients
Conventional Loan
Buy a home with 3% down or Refinance with a new rate and term. Super LOW rates!
FHA Loan
FHA offers easier qualifications to buy a home or refinance your current home.
VA Loan
Use VA benefits to buy with ZERO down! Refinance with LOW VA mortgage rates.
USDA Loan
Buy with NO money down! USDA home addresses look up – Click Here.
Grants for Homebuyers
We offer Grants for the down payment! In order to qualify 1st mortgage financing must be completed with Smart Mortgage.
Manufactured Loan
Financing for factory-made homes built on a permanent chassis, and generally come in single or two-section units.
Renovation Loan
Finance simple upgrades, remodeling or more complex renovation projects, and everything in between.
Construction Loan
Combine financing for a lot purchase, construction and permanent mortgage into one first mortgage loan.
Pre-Approved in Minutes not Days!
Lets get started on your pre-approval.
The easiest way to buy a home or refinance. Within 15 minutes you will know:
- Your Credit Score
- How Much You Can Afford when Buying a Home
- What Program is the Best Option
- Your Wholesale Rate and Payment
- The Documents you will need to proceed
And Most Important a Pre-Approval Letter to Shop for your new Home.
Our Ratings and Reviews
30 Thousand
loans closed
5.0 / 5
star rating by our clients on Google, Yelp, BBB, Facebook
25
years of mortgage experience
