At Smart Mortgage, we pride ourselves on being seasoned experts in USDA financing, ensuring that rural homebuyers and property developers can access affordable and flexible loan options. USDA loans, with their zero down payment feature and competitive interest rates, can be a gateway for many to own their dream homes or initiate projects in rural areas. But our expertise doesn’t stop there. We also specialize in a comprehensive range of loan programs, designed to cater to diverse financial needs and situations. Whether you’re a first-time homebuyer, looking to refinance, or exploring investment opportunities, our team at Smart Mortgage is equipped with the knowledge and resources to guide you through every step of the financing process. Your dream, partnered with our expertise, can make homeownership a seamless reality.

Explore Our Home Loan Options

Conventional Loans:

• • What are they? These are the most popular type of home loan, not backed by a government entity.
  • Key Benefits:
    • Flexible terms (15, 20, 30 years)
    • Competitive interest rates
    • Varied down payment options
    • No mortgage insurance required with 20% down payment

FHA Loans:

• • What are they? Loans insured by the Federal Housing Administration.
  • Key Benefits:
    • Low down payments (as low as 3.5%)
    • More lenient credit score requirements
    • Ideal for first-time home buyers

Questions Call (888)416-4805

VA Loans:

• What are they? Loans backed by the Department of Veterans Affairs, for veterans, service members, and some military spouses.
• Key Benefits:
  • Zero down payment
  • Competitive interest rates
  • No private mortgage insurance (PMI) requirement
  • Reduced closing costs

USDA Loans:

• What are they? Loans backed by the U.S. Department of Agriculture, designed for rural home buyers.
• Key Benefits:
  • No down payment required
  • Low-interest rates
  • Flexible credit requirements

Homebuyer Grants:

• What are they? These are funds or subsidies offered to first-time homebuyers or those who meet certain criteria.
• Key Benefits:
  • Assistance with down payments or closing costs
  • Reduces upfront costs of home buying
  • Often does not need to be repaid if certain conditions are met