HOME LOANS

Mortgage Finance

From a traditional home loan to a loan for buying land for your next house, we can help.

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Get Smart. Get homebuying right.

With our variety of mortgage options for every financial journey, our team of experts will be with you each step of the way to help find the right mortgage for you. We offer Conventional, FHA, VA, and loans for first-time home buyers. From low closing cost options and fast processing, to competitive rates, Smart Financial can help you find your next home in Houston and surrounding areas!

 

Get lower rates on home loans and flexible mortgage refinance options. View mortgage rates

Mortgage Loans

Looking to buy a new home or refinance your mortgage? We help first-time and experienced home buyers get the home of their dreams. Let our friendly and knowledgeable mortgage loan experts work with you to get the best rate, down payment and terms that works for you.

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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. Its a good way to deal with unexpected situations and opportunities and you may borrow up to 80% of your home value.

How much can I borrow?
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Land Lot Loans

A lot loan is a mortgage secured by land with the intention of building a residence. Once a house is built and suitable for occupancy, a permanent mortgage loan replaces the lot and construction financing. Our lot loans are not eligible for “raw land” purchases considered unsuitable for residential development.

How much can I borrow?
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Ask an expert

Our experienced mortgage origination team is looking forward to guiding you through the often difficult and confusing process of getting a home loan.

If you would like to speak to a Mortgage Specialist immediately, call us at 713-407-1830.

Don't know where to start? Answer a few questions to get the ball rolling!

Help Me

What is the home buying process?

There are many complexities and details in the home buying process. Below is a simplified guide to plan better:

  • Review your credit report and credit score.
  • Figure out the home price you can afford.
  • Get pre-approved on a loan by us.
  • Start house shopping.
  • Make an offer.
  • Plan on a home inspection.
  • Close on your home.

*HELOC: RATE IS SUBJECT TO CREDIT APPROVAL AND WILL VARY BASED ON LIEN POSITION, TERM, AND LOAN AMOUNT. MINIMUM LOAN AMOUNT $15,000 AND MAXIMUM LOAN AMOUNT IS $250,000. INTRODUCTORY RATE IS FIXED FOR A 12-MONTH PERIOD THEN REVERTS TO A VARIABLE RATE BASED ON PRIME RATE PLUS A MARGIN. RATE WILL NOT DECREASE BELOW THE START RATE NOR WILL IT INCREASE ABOVE 15%. MAXIMUM LOAN TO VALUE IS 80%. RESTRICTIONS ON THE TYPE OF HOME USED AS COLLATERAL SUCH AS A MINIMUM PROPERTY VALUE OF $50,000. BORROWER MAY BE RESPONSIBLE FOR CERTAIN CLOSING COSTS WHICH MAY INCLUDE TITLE INSURANCE, APPRAISAL FEE, AND SURVEY COSTS. HAZARD INSURANCE IS REQUIRED, INCLUDING FLOOD INSURANCE, INCLUDING A $100 CLOSING COST AND AN ANNUAL FEE OF $50. CLOSING COSTS MAY NOT BE FINANCED UNDER THE TEXAS FINANCE CODE. ALL FEES ARE TO BE PAID UPFRONT BY THE BORROWER. DRAW PERIOD UP TO 10 YEARS WITH A REPAYMENT PERIOD OF 10 YEARS. DRAWS ARE RESTRICTED TO A MINIMUM OF $4,000 PER TEXAS LAW. SMART FINANCIAL CREDIT UNION MORTGAGE LOANS ARE AVAILABLE ONLY ON PROPERTY IN TEXAS. AS A SAFEGUARD, A 12-DAY COOLING-OFF PERIOD IS REQUIRED BY TEXAS LAW BEFORE HOME EQUITY LINES OF CREDIT LOANS MAY BE CLOSED. A 3-DAY RIGHT OF RESCISSION IS ALSO REQUIRED AFTER CLOSING BEFORE THE FUNDS MAY BE DISBURSED. OTHER CONDITIONS APPLY. SUBJECT TO CHANGE WITHOUT NOTICE.

CASH-OUT REFINANCE: FIXED RATE IS SUBJECT TO CREDIT APPROVAL AND WILL VARY BASED ON LIEN POSITION, TERM, AND LOAN AMOUNT. MAXIMUM LOAN TO VALUE IS 80% (CONDOS 70%). MINIMUM LOAN AMOUNT IS $15,000 AND MAXIMUM LOAN AMOUNT IS $250,000. RESTRICTIONS ON THE TYPE OF HOME USED AS COLLATERAL SUCH AS A MINIMUM PROPERTY VALUE OF $50,000. BORROWER MAY BE RESPONSIBLE FOR CERTAIN CLOSING COSTS WHICH MAY INCLUDE TITLE INSURANCE, APPRAISAL FEE, AND SURVEY COSTS. SMART FINANCIAL CREDIT UNION MORTGAGE LOANS ARE AVAILABLE ONLY ON PROPERTY IN TEXAS. AS A SAFEGUARD, A 12-DAY COOLING-OFF PERIOD IS REQUIRED BY TEXAS LAW BEFORE CASH-OUT REFINANCE LOANS MAY BE CLOSED. A 3-DAY RIGHT OF RESCISSION IS ALSO REQUIRED AFTER CLOSING BEFORE THE FUNDS MAY BE DISBURSED. OTHER CONDITIONS APPLY. SUBJECT TO CHANGE WITHOUT NOTICE.

TEXAS HOME IMPROVEMENT: FIXED RATE IS SUBJECT TO CREDIT APPROVAL AND WILL VARY BASED ON LIEN POSITION, TERM, AND LOAN AMOUNT. MAXIMUM LOAN TO VALUE IS 90% (CONDOS 70%). MINIMUM LOAN AMOUNT $15,000. RESTRICTIONS ON THE TYPE OF HOME USED AS COLLATERAL SUCH AS A MINIMUM PROPERTY VALUE OF $50,000. THIS TYPE OF LOAN REQUIRES A LICENSED CONTRACTOR, A SIGNED CONTRACT TO COMPLETE THE WORK AND PERIODIC DISBURSEMENTS. THE DISBURSEMENTS ARE MADE OUT TO BOTH THE HOMEOWNER(S) AND THE CONTRACTOR TO PAY FOR WORK COMPLETED TO THE BORROWER’S SATISFACTION. CLOSING COSTS ASSUMED BY BORROWER. SMART FINANCIAL CREDIT UNION MORTGAGE LOANS ARE AVAILABLE ONLY ON PROPERTY IN TEXAS. AS A SAFEGUARD, A 12-DAY COOLING-OFF PERIOD IS REQUIRED BY TEXAS LAW BEFORE HOME IMPROVEMENT LOANS MAY BE CLOSED. A 3-DAY RIGHT OF RESCISSION IS ALSO REQUIRED AFTER CLOSING BEFORE THE FUNDS MAY BE DISBURSED. OTHER CONDITIONS APPLY. SUBJECT TO CHANGE WITHOUT NOTICE.