Simplest Refinance Experience Ever
Welcome to Smart Mortgage Team, a reputable and reliable mortgage company that has been serving the community since 1997. We take pride in our A+ rating from the Better Business Bureau, as well as our complaint-free awards for 13 consecutive years. Our team of experienced mortgage brokers is dedicated to finding our clients the best mortgage options that fit their unique needs. We understand that every transaction is crucial, and we treat each one as if we were buying or refinancing our own home.
Our Services
At Smart Mortgage Team, we offer a wide range of mortgage services to meet the diverse needs of our clients. Whether you are a first-time homebuyer or a seasoned homeowner, we have the right mortgage solution for you. Here are some of the services that we offer:
- Home Loans: We offer a variety of home loans, including conventional, FHA, VA, USDA, and bad credit home loans. Our team of mortgage brokers has the expertise and knowledge to help you find the best mortgage option for your unique situation.
- Home Refinance: If you are looking to refinance your home, we offer cash-out refinance, debt consolidation refinance, and refinance loan options. Our team can help you determine the best refinance option for your needs.
- Homebuyer Grants: We offer homebuyer grants to assist with down payments and closing costs. Our grants are completely forgivable, and you are not required to be a first-time homebuyer.
- Commercial Loans: If you are looking for a commercial loan, we offer jumbo home loans, reverse mortgages, and other commercial loan options. Our team can help you find the best commercial loan option for your business needs.
- Mortgage Calculator: We offer a mortgage calculator to help you determine your monthly mortgage payments. Our calculator is easy to use and provides accurate results.
- Pre-Approvals: We offer fast pre-approvals for our clients. Our pre-approval process is simple and fast, and it can help you get a head start on your home buying or refinancing process.
Our Values
At Smart Mortgage Team, we are committed to providing our clients with the best mortgage options at wholesale rates. We believe in treating each transaction with the utmost care and attention to detail. We are proud of our track record of providing smooth transactions, and we strive to maintain our reputation as a 5-star mortgage company.
Why Choose Us
If you are looking for an experienced mortgage company that understands the latest guidelines, qualifications, and offers wholesale rates, look no further than Smart Mortgage Team. Our team of mortgage brokers has the expertise and knowledge to help you find the best mortgage option for your unique situation. We give our best every time, and we are committed to providing our clients with smooth transactions, wholesale rates, and attention to detail. Contact us today to learn more about how we can help you with your mortgage needs.
Guaranteed Rate Review Summary
Ease of Working with Jon
Author Samantha S. gives Guaranteed Rate a 5-star rating and shares her positive experience with Jon, stating that he is "easy to work with" and makes the refinancing or loan process "almost enjoyable". She appreciates his efficiency, responsiveness, and effectiveness.
PTSD-Like Experience
Samantha jokingly mentions that after using Guaranteed Rate, she had a "PTSD-like" experience, implying that the process was so stressful that it had a lasting impact on her. She notes that her two transactions with Jon were therapeutic in a way, despite the initial discomfort.
Positive Takeaways
Guaranteed Rate's efficient and responsive service was highlighted by Samantha, making the loan process more bearable.

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