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Smart Mortgage Centers, Inc.

Smart Mortgage Centers Inc. offers a variety of loan programs to meet your needs. Here are some of the most popular programs we offer: Up to 97.75% Financing Refinance Cash out to 85% Purchase (Buy your first home with as little as 3.5% down) Gift of Equity Purchase Fixed Rate Mortgages up to a 30 year term Adjustable Rate Mortgages - (ARM) Interest Only Home Equity Loan or Line of Credit Debt Consolidation Home Improvements FHA Loans/VA Commerical Loans Reverse 203k Smart Mortgage Centers, Inc. will be happy to go over all of our loan products to provide you with exact payment scenarios for each loan type. Start saving now today! Credit Concerns? If you have no credit or less than perfect credit don't worry. Our Loan Consultants are here to help you. We can assist with a variety of issues: Past Foreclosures Judgments and Collections Bankruptcies Mortgage late payments

Mortage - Fixed Rate
Adjustable Rate Mortgage (ARM)
Home Equity Line of Credit
Home Equity Loan

Mortage - Fixed Rate 10 year fixed 20 year fixed 30 year fixed 40 year fixed Fixed monthly payment and rate. The higher the term, the lower the monthly payment.

Adjustable Rate Mortgage (ARM) 10/1 ARM 7/1 ARM 5/1 ARM 3/1 ARM 1 year ARM A fixed-period adjustable-rate mortgage maintains the same initial interest rate for the first 3, 5, 7, or 10 years, depending on the term chosen, and then adjusts annually, according to market conditions.

Home Equity Line of Credit You can borrow what you need and have the option to pay the interest only. You also have access to the funds when you need them.

Home Equity Loan With a Home Equity Loan, you receive one lump sum at closing. This loan provides a fixed payment.

30-year fixed

The fixed-Rate Mortgage is our most popular mortgage. Get a 30 Year Fixed for a low payment or consider the 15 Year Fixed Rate Mortgage and pay much less interest.

FHA Loan

FHA loans are a top choice for folks with lower home equity and those who need flexible credit requirements. FHA is great to refinance or buy a home. Ask about FHA Streamline.

Adjustable Rate Mortgage

Get the lowest mortgage rates we offer with the 5-Year ARM - the top choice of the financially savvy. Great for folks not planning on staying in their homes for more than 5 years.