Call 888-951-2929


Lower Rates, No Upfront Fees and Local since 1997.

Call Today: 888-951-2929

620 - 699

Poor credit borrowers have more options. Even with past hiccups.

For 21 years we have been helping residents find the perfect home loan. When it comes to home financing we offer more programs and thoroughly explain your options. Don't get lost in the shuffle, work one on one with a licensed local professional now.

  • Low 8 - 30 Year Fixed Rates
  • Alternative Lending
  • FHA, VA, Non-Prime Options
  • No Application Fees
  • Prior Foreclosure, Bankruptcy, Short Sale, Modification Okay

  • Elite 8 - 30 Year Fixed Rates 
  • Free Credit Scores 
  • No Application Fees 
  • Fast Closings 
  • Get Pre-Approved Now

Mortgage Programs starting at (500 FICO Scores). Don't settle for retail rates. Get a wholesale rate and no closing cost options with Smart Mortgage Centers.

We offer every type of home loan available on the market. Click the loan options button below.

Good Credit

Make the mortgage process simple with one on one service from start to finish.

If you are ready to apply for a loan right now, please select apply now. This will take about 10-15 minutes to complete.

Si quieres ver las aplicaciones españolas por favor, haga clic en la Aplican Ahora enlazar a la derecha

  • Low 8 - 30 Year Fixed Rates
  • Free Credit Scores
  • FHA & VA Options
  • No Application Fees
  • Fast Closings

580 - 619

500 - 579

Excellent Credit

700 - 850

  • Low 8 - 30 Year Fixed Rates
  • Free Credit Scores
  • Shop 40 Lenders in Minutes
  • No Application Fees
  • Fast Closings


When lenders and banks say no we analyze your situation and find a solution. 

Find out if you qualify for a better rate today!

Fair Credit

Elite borrowers deserve the best mortgage rates available.

Poor Credit

Click Below to see some of our programs

We offer a wide variety of non traditional mortgage programs including: Bank Statement Programs, ITIN Mortgage, Foreign National Mortgage Programs, Second Chance, Investor Programs and more. 


We offer USDA rural mortgage loans. When our clients hear rural they often think farms. Most of the time this isn't the case.  Click below to see if your property qualifies for a no money down USDA loan.

Over 300 Verified 5 Star Reviews! 

Google & Better Business Bureau A+ Accredited.

"Nick was wonderful. Nick was able to get our loan closed quickly, as well as, navigate us through the process.....answering our questions and educating us along the way. Nick is very resourceful, very responsive and very personable I enjoyed working with him and I hope to refer him to many of my friends.

 Jaclyn from Palm Harbor, FL

Over 300 five star reviews by the Better Business Bureau, Yelp, Yahoo, Bing & Google. Complaint free awards 2011 - 2017

Extensive Experience

Friendly Staff

Our licensed loan officers have years of education and experience. Staff specializing in each loan type we offer.

Highest Rated and Reviewed

Smarter, Faster Mortgage


Online Application, document upload, electronic signatures and super fast closings. Get a wholesale rate, no upfront fees and no closing cost options.

From our loan officers to our processors, our entire staff is very friendly and understanding of your needs as a borrower. We work extra hard to make sure you have a pleasant experience getting your loan.


The Learning Center

Smart Mortgage Centers

4003 Plainfield Naperville Rd. Ste 207 Naperville, IL 60564

Illinois Mortgage Hotline 

24 Hour 888-416-0920

Illinois Website Click Here

Smart Mortgage Centers

1942 Broadway Street, Suite 314C

Boulder, CO 80302

Colorado Mortgage Hotline  

24 Hour 888-416-4805

Colorado Website Click Here

Smart Mortgage Centers

38852 U.S Hwy. 19 North Tarpon Springs, FL 34689

Florida Mortgage Hotline 

24 Hour 888-951-2929

Florida Website Click Here

Walk ins welcome or we will come to you.

Communication Consent: 

By submitting your contact information you agree to our Terms of Use and our Security and Privacy Policy. You also expressly consent to having Smart Mortgage Centers and potentially our mortgage partners contact you about your inquiry by text message or phone (including automatic telephone dialing system or an artificial or prerecorded voice) to the residential or cellular telephone number you have provided, even if that telephone number is on a corporate, state, or national Do Not Call Registry. You do not have to agree to receive such calls or messages as a condition of getting any services from Smart Mortgage Centers or its affiliates. By communicating with us by phone, you consent to calls being recorded and monitored. NMLS 222269 | Illinois, Florida MBR2455 & Colorado Residential Mortgage Licensee 4870 | Equal Housing Lender | Smart Mortgage Centers is Regulated by the IDFPR 100 W Randolph St, Chicago, IL 60601 Ph: (888) 473-4858 Smart Mortgage Centers corporate headquarters is located at 4003 Plainfield Naperville Rd. Ste 207 Naperville, IL 60564 Ph 630-904-1800 SMART MORTGAGE CENTERS INC., All rights reserved © 1997 - 2018

Privacy Policy


This is not a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over life of loan. Reduction in payments may reflect longer loan term. Terms of the loan may be subject to payment of points and fees by the applicant. SMART Mortgage Centers is an Equal Opportunity Lender and an Equal Housing Lender. NMLS 222269

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