We are committed to making your home-buying experience process simple and straightforward.
Smart Financial offers the best mortgage tools to provide easy, convenient, online shopping for the best loan programs and most up-to-date rates available. Together with the assistance of an experienced live loan officer, Smart Financial guides you through the often difficult and confusing process of choosing and getting the best loan for your specific needs.
Congratulations on your decision to buy a new home! We have a variety of loan options for you to choose from. From FHA Loans to Fixed and Adjustable Rate, we will find the best option for you.
Home Equity Loans
A Home Equity Loan is secured by your home and enables you to access your available equity. It has a fixed rate and fixed payments. A Home Equity Loan can be a good way to deal with unexpected situations and opportunities and you may borrow up to 80% of your home value. Home Equity Loans can be used for any of the following purposes:
- Consolidate debt
- Pay for education
- Repair or remodel home
- Plan a vacation
- Purchase a vehicle
- Lower interest rate
Home Improvement Loans
Consider a traditional Home Improvement Loan when you are planning to do major renovations or improvements to your home. You may borrow up to 90% of your home value, including 50% of your bid for improvements done outside like backyard pools, fences, landscaping, and 75% for improvements done from within like an additional room, remodeling your kitchen or bathroom. Some of the benefits of a Home Improvement Loan are:
- No prepayment penalty
- Interest may be tax-deductible (Please consult with a tax professional for more information)
- Fixed-rate and variable-rate options available
- May potentially finance the entire cost of the project if all liens do not exceed 90% of your home's value