So Many Loan Options
Fast Purchase and Refinance Loans
Conventional Home Loans
FHA & VA Home Loans
Grant Programs
USDA Rural Home Loans
Jumbo Home Loans
Reverse Mortgage Loans
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    Conventional Loans

    A conventional mortgage is a home loan that isn’t guaranteed or insured by the federal government. Conventional mortgages that conform to the requirements set forth by Fannie Mae and Freddie Mac typically require down payments of at least 3%.

    FHA Loans

    The FHA home loan is a great choice for borrowers looking to buy a home with little money down.  When home buyers choose FHA it allows for easier credit score qualification.  In most cases you can qualify with 580 credit scores.

    USDA Loans

    The USDA Home loan is a great choice for borrowers looking to buy a home with NO MONEY DOWN.  When home buyers hear USDA rural they often think of farms or underdeveloped areas.

    VA Loans

    A VA purchase loan helps service members and veterans become homeowners. The VA loan program was designed to offer veterans and eligible surviving spouses a way to get long-term financing for a home when they might not be able to otherwise.

    Home Buyer Grants

    Do you meet the general criteria for a home loan but lack the down payment? Because this happens far too often Smart Mortgage Centers has created forgivable grant programs that provide down payment and closing cost assistance for borrowers who would otherwise qualify for a mortgage.