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With a Local VA Expert
Finding Military Families lower rates and closing costs since 1997.
BBB A+ complaint free awards 10 Consecutive Years!
Google 5 Star Company
“simplest refinance experience ever”
BBB A+ Rating
“I’m paying less now than I was to rent”
Yelp 5 Star Company
“made the process very straightforward and painless.”
Refinance
Purchase a Home
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Today’s VA Mortgage Rates
Call Now (888)208-9797
Our Rates VS National Rates
Home Purchase
30 Year Fixed Rate VA
Rate 4.5%
APR 4.649%
Refinance
30 Year Fixed Rate VA
Rate 4.5%
APR 4.725%
National Rates
Rates based on a Loan Amount of $315,000, Loan to Value (LTV) 70%, Credit FICO Score 770 Rates, terms, and fees as of 3/10/2022 11:00 AM Central Standard Time and subject to change without notice. Rates are posted daily at 11am Monday – Friday. Rates are not posted on the weekend.
What our Clients are Saying
Excellent From Start to Finish!
We had Brian Tobin and he was excellent from start to finish. Even with having to change the closing 3 times because of the sellers he kept us informed of everything that was going on so I wouldn’t have any surprises. I would recommend them to anyone. We had an excellent time especially since we live in Jacksonville and he in another part of Florida.
Best VA Rates Available!
I received two quotes from popular VA lenders. My wife wanted work with a local company so we reached out to Smart Mortgage Centers based on their reviews. When we received our quote we almost couldn't believe the difference. After getting it in writing we went with Smart Mortgage and the rest is history. Online application was simple and the communication with Jon and his team was flawless. Thank
The Best Experience I have ever had!!!
The best experience I have ever had!!! We were clear to close in less than 20 days. Brian gave us a better rate than everyone else we had talked too and made the process feel effortless! Brain T. thank you for all your help and we are telling everyone we know to come talk you at Smart Mortgage Centers!
Fantastic!
These guys are FANTASTIC. Brian Tobin & Jonathan Thomas did a Amazing job with the turn around time on getting this clear to close in a RECORD time that we could have ever imagined. I am already recommended Smart Mortgage Centers to quite a few people and I would definitely recommend anyone checking out this review to go with this. Hassle-free and communication was golden.
Giving me a chance
I would like to give my thanks to smart mortgage for giving me the chance to get in to my own home. Despite the credit challenges I had mr Ryan. He guided me through everything I needed to do. Even when I was confused with things he worked with me sometimes even at 11 o’clock at night. He is a VERY hard worker. And I appreciate everything he did for me and my children. Thank you so much for your hard work.
Knowledgeable, Dedicated
Ryan is very knowledgeable, dedicated, and really knows what he is doing. As a first time home buyer, he led they way. He was very detailed and made sure we knew what was going with our loan. As a whole, everyone that helped up us, very nice people. Thank you for making this happen for us!
Enjoyable and Simple
Without a doubt the most enjoyable and simplest refinance experience ever!
We got our Dream Home!
We applied with other lenders but had been turned down, but Smart mortgage worked with us so we can have our dream home! Our lender Jon, walked us through the process and was very helpful in answering questions promptly. He made the process easy for us. Jon always kept in daily communication with us, so there were no surprises! He made himself available anytime.....even when he was on vacation! The online submission of documents was very easy. Overall we think Smart Mortgage is an excellent company willing to work with people with blemished credit and give them the opportunity to live their dream of home ownership. The Crenshaw Family
A lot of Amazing Things!
After a recent move from Florida to Colorado, we began to follow the conventional path of rental homes by reading the ads, checking out sites like Zillow and talking to rental agents. My wife and I are 70. We both receive SS. I work at a golf course. Our monthly income is $4,400. We have had no credit history for the past 6 years. We vowed to remove all credit cards form our life after a BK in 2012. Since that time, we have lived a cash only life. Now, it's difficult to be approved for any purchase requiring a credit check. We didn't have bad credit. We had no credit. After 42 years of marriage and two kids, we have always had a great payment history for things like rent, power, gas, but those payments do not play a part in your credit rating in the conventional sense. One evening, I was considering options and thought about my eligibility for a VA Home Loan. I began browsing for some information and landed on the Smart Mortgage Centers Inc. website. That chance landing led to a phone discussion with Brian the following day. This could be a long review because from that point, Brian did a lot of amazing things. However, for the sake of brevity, I can tell anyone with solid conviction that Brian with Smart Mortgage Centers, Inc., is certainly the best Lender Broker I have met in my lifetime. I gave you a glimpse of my story. And...today (about 10 weeks later) we closed on a property in Aurora, CO. Huge kudos to you Brian and your staff at Smart Mortgage Centers, Inc. Whenever I learn of someone considering a real estate purchase, I will always tell them if they are serious about acquiring a home, secure a lender first. I don't believe my loan request would have been successful had I not met you. If you are ready to move forward, call Brian, Smart
Highly Recommended
5 Stars all the way! This is my second time using Smart Mortgage, the first was a refinance and the most recent was to purchase a new home. I highly recommend Jamie, I can not imagine my loan process going any smoother. Jamie and his team kept me informed and ahead of the game the whole time. Later in the process, I come to find out that Jamie had some personal matters that needed his immediate attention. This was news to me, because I had no idea, he stayed professional and had everything done in a much faster time than I was anticipating. A special thanks
I'm paying less now than Rent!
These guys are the best. We now live in our dream home thanks to Brian and the guys at Smart Mortgage Centers. I'm paying less now than I was to rent! We couldn't possibly be happier with the service. Brian worked tirelessly on our case until the job got done.
VA Benefits on my New Construction Home
I had a difficult situation having to sell one property to re-use my VA benefit on my new construction home on a very short time line. Brian and the Team at Smart Mortgage Centers made it happen without any issues. When I was told by other lenders that it wouldn't happen they came through! I would recommend this team for any home buying situation.
I will be Recommending!
We were getting a little worried that we might not get our forever home. This is when Brian took over and had us approved in a week. He explained things so that I could understand exactly what I needed to do. I will be recommending Brian at smart mortgage to anyone who asks.
Speak with a VA Home Loan Specialist today
1-888-208-9797
To Better Serve You our VA Mortgage Team is Available 24/7
A VA approved lender; Not endorsed or sponsored by the Dept. of Veterans Affairs or any government agency.