Buying a new home can be an exciting time, but it can also be a stressful time as well. Locking in a low fixed rate is a good 1st step.

We can help you save money with a zero down home loan that offers a mortgage payment you can afford. Choose from conforming, FHA, VA and jumbo home purchase loans.

First time homebuyer programs are a great way for those buying their first home to get better rates, make smaller down payments and buy more homes. FHA allows new homebuyers to get into a home for as little as 3% down, while VA enables veterans to get into a home with no down payment or deposit with a certificate of eligibility.

To minimize closing costs, many first time home buyer programs include financial aid. This financial aid is also used in many cases to reduce the size of the down payment required.

Check out our 100% financing with mortgage loans for new home purchases. VA and Freddie Mac lenders provide no money down home loans that are offered to people with all types of credit.

Using a home equity loan to get cash opens the door for you to consolidate all your credit cards debt into one low monthly payment. Select from various home equity loan programs: (fixed, variable, credit line, interest only)

See for yourself how easy getting a home mortgage loan can be for you! Consolidate adjustable rate debt and save with reduced monthly payments!

Consider a fixed rate home equity loan to pay off installment loans or significant credit card accounts. Home equity amortization schedules range from 120 to 360 equal payments. (10-30-year equity loan terms.)

Consider a home equity line of credit if you aren’t sure how much cash you’ll need. HELOC payments are interest only for the initial 10 year draw period.

Interest rates for home mortgages have been reduced again and fixed rates are shockingly lower than the adjustable rate credit line rates.

There's no time like the present to pay down high-interest debts, make home improvements, or finance education or dream vacations! Interest rates are still low and we can help you navigate through the lending process, even if your income is hard to document. Refinance your present 1st mortgage or consider refinancing your 2nd mortgage line from your recent home purchase for lower payments.

Take a look at our jumbo mortgage loans that offer premium home financing with loan amounts up to $5,000,000. Stated Income or Full Doc loans are available. Take a look at the Negative Amortized Loans that have payment options with interest rates starting at 1.5%.

If your mortgage payment has been increasing as your adjustable rate mortgage kicks in, consider refinancing with a fixed rate loan. If you have a second mortgage or a variable rate equity line of credit, consider refinancing both loans together for one low rate mortgage.

Looking for a low interest home improvement Loan? We can direct you to the Top lenders in the country. We can find you the loan to do the improvements for your home. Use Your home's equity to get cash, consolidate your debts, home improvements or Remodel Your Home.

• Set up a credit line for home remodeling

• Get money to landscape your new home!

• Replace the roof and fix up your new house.

Would you like to realize your dream of homeownership, but aren't sure that you have the funds? VA and FHA mortgages are great loan options for qualified borrowers who want to save money on their mortgage, lower their monthly payment, or combine their first and second mortgage for a lower rate.

• Stated Income FHA Loans
• Zero Down VA Home Purchasing to 100%
• 3% Down FHA Mortgage Loans
• VA Streamline Refinancing w/No Appraisal

Do you have too much existing debt? - Conventional lenders will turn you down if they think you have too much debt. Our network offers flexible lending criteria allow them to look at you, and your unique situation. Consider a second mortgage that will subordinate your debt into another loan secured by your home.

Consider a debt consolidation loan with a fixed interest rate. You can take cash out and refinance existing loans and high rate credit card debt. Second mortgage terms range from 15-30-year loan terms. Also see 125% 2nd mortgages that require you to have no equity in your home.

No wonder why Smart Home Mortgage Loans is one of the 10 largest Pay Option Lenders in America!

Stay up to date with the latest changes that are effective today:

Take advantage with increased LTV requirements. Our mortgage-lending partners have reduced the interest rates again with specials on Fixed Rate Refinance Loans and VA Mortgage Loans to 100% purchase money mortgages with zero-down!

Full Documentation loans with home improvement incentives. Non-Owner occupied home loans available for 50 state lending.

• Million Dollar Home Mortgage Loans
• Payment Option Home Purchase
• Interest Only Home Mortgages
• 1st Mortgage Line of Credit
• Credit Impaired Refinancing

What is a Reverse Mortgage?
A Reverse Mortgage is a loan program which available to homeowners 62 years and older. Reverse home loans enable seniors to utilize their equity in the form of cash, monthly income to the homeowner with the homeowner never making another loan payment for life. In most cases, the money the homeowner receives is tax-free and does not affect Social Security benefits or Medicare. With reverse mortgages there are very few credit requirements and no income documentation is needed to qualify.