• 888-208-9797
  • 4003 Plainfield Naperville Rd., Naperville, IL 60564

About Us

Thank you for visiting us today.  VA Mortgage Centers dba of Smart Mortgage was founded in 1997 by Richard Birk.  Our mission is simple, find our clients the best possible VA mortgage options available on the market.  Our experienced VA team is trained to have you pre-approved quickly, meaning minutes not days.  Our goal is to evaluate your current situation while having you approved in 30 minutes or less.  This includes reviewing the following details for each individual:

  • Credit Review
  • Explanation of Mortgage Programs and Loan Types
  • Current Wholesale Rate Options, Mortgage Payment and Terms (8 – 30 Year Options)
  • Easy Online Applications, E-signatures, Secure Document Uploads
  • Pre-Approved in 30 Minutes or Less
  • Average Closing 20 Days

The VA home buying or VA refinancing experience should be simple but personal.  We promise not to pass you around, you will work one on one with the same licensed professional from start to finish.  They will even be by your side at the closing table.

Join the thousands we’ve supplied with mortgage success.  Read hundreds of reviews from local consumers like you.  We will exhaust all means to find you the best possible mortgage on the market.

BBB Rating

A+ Rating – 104 Reviews

Google Rating

5.0 Rating – 241 Reviews

Yelp Rating

5.0 Rating – 9 Reviews

BirdEye Rating

5.0 Rating – 116 Reviews

Online, By Phone or Walk Ins Welcome

Illinois Location – 4003 Naperville Plainfield Rd. Ste 201 Naperville, IL 60564

Walk ins welcome. Apply Online or By Phone at (888) 208-9797

Florida Location – 38852 US-19, Tarpon Springs, FL 34689

Walk ins Welcome – Apply online or by Phone at (888)951-2929

Colorado Location – 1942 Broadway Street STE 314C Boulder, CO 80302

Satellite Office no walk ins. Apply Online or By Phone at (888) 416-4805