Stronger together

SmartMortgage.com is part of Guild Mortgage,
a top 10 lender committed to excellent customer service.

We’ll provide consistently superior service and will close on time with a wider array of products, more advanced technology, and a greater depth of experience, knowledge, and support.

First time homebuyers

Be empowered
Be informed
Buy with peace of mind

First time homebuyers

SmartMortgage.com guides you step-by-step through the entire homebuying process. Our process is built on a foundation of partnership and collaboration, custom-designed for each homebuyer’s unique needs and specifications. There is no one-size-its-all solution in today’s mortgage marketplace. As a first-time homebuyer, you benefit most from having a partner you can trust. Buy with confidence. Buy with SmartMortgage.com, your trusted homebuying partner.

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VA homebuyers

You’ve earned it
No down payment
No private mortgage insurance

VA home buyers

In addition to our experience with the program, we offer unmatched service for veterans. From a logistics standpoint, a lot of VA loans cannot be processed in the same way as a standard loan. We have the technology and a series of best practices to ensure prompt, assured service.

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Jumbo loan homebuyers

Exclusive rates
Concierge service
Fast closings

Jumbo loan home buyers

Are you looking for more buying power? SmartMortgage.com caters to your unique situation and will help you determine how to afford the home you want. With higher loan limits than Conventional loans, Jumbo loans can open the door to new possibilities. Connect with a loan officer online to see if a Jumbo loan is right for you.

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Finding the right mortgage requires a loan officer to listen and ask questions. Smartmortgage.com is a caring, collaborative team, experienced and dedicated professionals who have the knowledge and insight to create an optimal mortgage experience.

The right mortgage at a competitive price

Our licensed loan officers are true mortgage experts that will work to find the best loan options for your situation. Finding the right mortgage requires your loan officer to listen and ask questions.

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Guild’s Gateway to Homeownership Assistance Program

The Guild Gateway to Homeownership Assistance Program helps homebuyers achieve homeownership with more affordable monthly payments.

Program details:

Up to $5,000 in assistance can be used for closing costs, lowering the interest rate or paying mortgage insurance
Assistance can be paired with Conventional, FHA, VA or USDA financing
Down payment requirements ranging from 0-5%
Can be paired with additional local down payment assistance programs

*Guild Gateway to Homeownership Assistance Program eligibility is based on designated census tracts within the St. Louis, MO-IL, Columbia, SC, Phoenix-Mesa-Chandler, AZ, Dallas-Plano-Irving, TX, and Fort Worth-Arlington-Grapevine, TX MSAs. Borrower must currently live in or purchase within MSA. Homebuyer education required. Credit score, down payment, and first-time homebuyer requirements may apply based on the first mortgage selected. Income limits apply.

Do you need to close fast?

No problem! As a direct lender, we have designed our loan process to move quickly. We will meet your deadline — not the other way around.

Work with a mortgage company that takes the time to know and understand your unique situation

“Finding SmartMortgage was a stroke of good luck. Real estate transactions are so complicated these days that parties need a mortgage company they can trust to do a good and thorough job. That’s what they did.”- David

“Christopher Beahm (NMLS 50816) was our loan officer who helped us refinance our home mortgage. He was very responsive and answered all of our questions quickly and thoroughly. I highly recommend Christopher and would work with him again.”- Tiffany

Stronger together

First time homebuyers

First time homebuyers

VA homebuyers

VA home buyers

Jumbo loan homebuyers

Jumbo loan home buyers

The right mortgage at a competitive price

Guild’s Gateway to Homeownership Assistance Program

Do you need to close fast?

Work with a mortgage company that takes the time to know and understand your unique situation

Get preapproved now!