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
Buy a home with 3% down or Refinance with a new rate and term. Super LOW rates!
FHA offers easier qualifications to buy a home or refinance your current home.
Use VA benefits to buy with ZERO down! Refinance with LOW VA mortgage rates.
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.
Financing for factory-made homes built on a permanent chassis, and generally come in single or two-section units.
Finance simple upgrades, remodeling or more complex renovation projects, and everything in between.
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
5.0 / 5
star rating by our clients on Google, Yelp, BBB, Facebook
years of mortgage experience
Our clients are talking about our exceptional service. Here’s what they’re saying.
“I highly recommend Patty from Smart Mortgage Center. She was extremely helpful, thorough and knowledgeable. The entire process was exceptional and cant thank Patty enough for her effort.” Thomas Miller
“Michelle is a pleasure to work with. She is professional, thorough and was able to help me find the right mortgage that met my needs and budget. I highly recommend Smart Mortgage.” Jennifer Battista
“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.” Vivian Santiago
“My experience with Smart Mortgage was phenomenal. The staff are excellent and very knowledgeable. I highly recommend.” David Hughes
“Working with Michelle G has been an ultimate pleasure. I got a great rate, and she made sure I understood the process and all of my options.” April Jones