With programs from over 20 lenders, you can be confident that we offer a range of conventional mortgage options, government insured loans, and specialized loan programs to meet your needs.
The best place to get government insured loans, including specialized loan programs like FHA, VA, 203k, and USDA, is through an independent mortgage broker. You save both money and time, as these government insured loans are priced competitively, at the same compensation level as our conventional mortgage options. Many banks and mortgage lenders use these loans to enhance their margins for increased revenue. With our model promoting 100% transparency, you benefit from lower rates and reduced closing costs.
In 2023, conforming loan limits have been raised to $726,200 for single-family units, with higher limits for multi-family units and those in high-cost areas. Call for details about our conventional mortgage options.
Conforming loans are available with as little as 3% down payment and feature lower, negotiated private mortgage insurance (PMI).
We also offer affordable and first-time buyer programs that come with no loan level price adjustments, ensuring that you receive some of the best-priced mortgage rates around. Additionally, income-restricted affordable programs are available with up to $2,500 in lender credits, all while maintaining the same low rates. Restrictions apply, so please call for more information about our government insured loans and specialized loan programs.
Explore JUMBO loan options with as little as 10% down, alongside specialized loan programs such as bank statement programs for self-employed buyers. We offer debt service qualification for investment properties and asset depletion loans tailored for high-net-worth borrowers. For those aged 62 and over, consider our government-insured loans like reverse mortgages to buy or refinance an existing property. Additionally, we provide renovation loans and fix and flip financing to meet your unique needs.
Smartly Home Loans, Inc is a mortgage broker only, not a lender, offering a variety of conventional mortgage options along with specialized loan programs and government insured loans. NMLS 1431174. For licensing info visit https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1431174.
We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.