Down Payment Assistance
If you’re feeling the pinch of down payment expenses, you’re not alone, and there are solutions available.
Buy with Smart Rate
Our streamlined process ensures reduced rates, fees, and payments when you choose Smart Rate Lending for your home purchase .
Applying online is quick and easy
Discover the advantages of Non-Qualified Mortgage programs
Lower your monthly payments
Reduce your rate. Adjust your term. Extract cash. Whichever you select, refinancing with Smart Rate Lending leads to savings.
Average Annual Savings
$2,600
Explore our most popular loans
30-Year Fixed-Rate Mortgage
Choose the longest fixed term, a popular option, with a steady interest rate set at closing.
Non-QM Loans
Non-Qualified programs are specially designed to benefit customers who don’t qualify for conventional loans
Adjustable Rate Mortgage
ARMs usually begin with lower initial rates than fixed loans, translating to reduced early payments.
Jumbo Loans
Jumbo Loans are specifically designed to help you finance high-value properties with ease and flexibility.
Refinance Loans
Allowing homeowners to replace their existing mortgage with a new one, often with more favorable terms.
Cash-Out Refinance
With our Cash-Out Refinance Loans, you can leverage your home’s equity to access funds for various financial needs.
Get pre-approved
Find a loan officer or pick a location near you to get pre-approved. We'll walk you through each step of the way.
“Great experience from start to finish”
Daniel Robinson
“If you want a team you can trust for your financial needs, Smart Rate is the way to go. Highly recommended!”
Jennifer Martinez
“Smart Rate Lending far exceeded our expectations – they’re simply the best in the business.”
Irena Kowalski
“Professional, reliable, and always there to help – we couldn’t ask for more in a lending partner.”
Kevin Turner
“Smart Rate Lending not only got us a great mortgage but also made the entire home buying process so smooth and stress-free.”
Jacob Feldman
“Their in-depth knowledge of the lending market and commitment to finding us the perfect loan was truly impressive.”
Mei Chen
“We were pleasantly surprised by the fantastic rates and the excellent service – couldn’t be happier!”
Robert Clark
“Smart Rate Lending has been our dependable partner for all our mortgage needs, and they’ve never let us down.”
Daniel Robinson
“If you want a team you can trust for your financial needs, Smart Rate is the way to go. Highly recommended!”
Jennifer Martinez
“Smart Rate Lending far exceeded our expectations – they’re simply the best in the business.”
Rajesh Patel
“Thanks to the team at Smart Rate Lending, navigating through complex loans was a breeze.”
Irena Kowalski
“Professional, reliable, and always there to help – we couldn’t ask for more in a lending partner.”
Don't know where to start?
Home loans come in all shapes and sizes, but it’s all about finding the perfect fit for your lifestyle.
Discover our knowledge hub
Mortgage calculators
Gain valuable insights into your potential home purchase or refinance loan.
Get pre-approved
Find a loan officer or pick a location near you to get pre-approved.
First-Time Home Buyers
The path to buying your first home is a significant step. We’ve put together this list of crucial tips for first-time homebuyers.