Smart Home Financing with Great Mortgage Loans, VA Refinancing
and FHA Loan Programs for 1st Time Home Buyer Mortgages

Smart Home Mortgage Loans automates the lending process for 1st time homebuyers with FHA mortgage loan quotes, VA refinancing, home loans, second mortgage loans, purchase mortgages, 100% VA home financing and refinance loan offers from competing finance specialists across the country. Home lenders in nearly every state are reporting a reduction in equity levels as property values have been lowered dramatically with declining home sales. According to Freddie Mac, home mortgage rates have reached their lowest level since they started recording rates three decades ago. FHA and VA home loans have soared in popularity with their flexible equity and credit criteria. We suggest shopping home mortgage loan quotes from leading lenders online.

Shop for 30-Year Fixed Home Mortgage Loans with 3.5% Down

Smart Home Mortgage Lenders remain dedicated to finding you the right loan for new home financing, purchasing or refinancing with the best interest rates, terms and lowest lending costs to meet your unique needs. In these turbulent times, it is more important than ever to verify that your mortgage is guaranteed with the best home loan rates and no charges for early pre-payment. Check with your loan consultant for the latest information on conforming and FHA limits that are scheduled to decline in 2012. HUD introduces raised limits on FHA mortgages that have increased at least one hundred and twenty five percent across the country. Ask your loan officer about new requirements on FHA loans to make sure your qualifications meet the FHA guidelines.

Home mortgage loan limits range from $271,000 to $729,000, depending upon the counties. For first time homebuyers, the FHA credit guidelines suggest providing a documented payment history indicating full payments on time for at least 1 year prior to formally applying for any FHA home loan program. Stay up to date with the latest changes on house refinancing programs that are effective today:

FREE Purchase and Refinancing Mortgage Quotes. Good & Bad Credit Scores OK

Typical Mortgage Terms
30-year Fixed Mortgage
15-year Fixed Mortgage
20-year Fixed Mortgage
10-year Fixed Mortgage
1-year ARM
3/1 ARM
3/1 Interest-only ARM
5/1 ARM
5/1 Interest-only ARM
7/1 ARM
10/1 ARM
30-year Jumbo Mortgage
15-year Jumbo Mortgage
5/1 Jumbo ARM
5/1 Jumbo Interest-only ARM
FHA Mortgage

Mortgage Resources
Mortgage Calculators
Second Mortgage

Who do I call for information on refinancing my
existing loan?

Smart Home Mortgage Loans offers you loan automation and convenience of completing your transaction over the telephone. Our Refinance Hotline is a toll free call away.

How do I learn more about reverse mortgages?
You can do one of several different things to gain more knowledge about reverse mortgages. If you need information from a non-biased, 3rd party, you can contact or the National Reverse Mortgage Lenders Association at

Home Financing Articles:
How to Qualify for a VA Home Loan
Lowest Home Loan Rates Online
Best Bank Mortgage Rates

Home Purchase Loans

- Fixed Rate Mortgages
- Purchase Loans
- FHA Home Loan
- 100% VA Home Mortgage
- Low Interest Only
- 30 or 40-Year Loans

100% LTV Financing

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 when comparing rates and terms on purchase mortgage loans.

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.

Interest rates for government home mortgages have been slashed again with fixed rates that are shockingly lower than the adjustable rate interest rates.

FHA & VA Home Loans

- Fixed Interest Rates
- Streamline Refinance
- 100% Purchase Loan
- Veteran Guarantee
- 30-yr. Refinance
- Bad Credit OK

View more FHA & VA Mortgages
FHA Home Purchase Mortgage Loans

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 dual mortgages for a better, lower rate.

  • Reduced Doc FHA Loans
  • Zero Down VA Home Purchasing to 100%
  • FHA Mortgages with Low Down Payments
  • VA Streamline Refinancing w/No Appraisal
  • Down-Payment Assistance

VA home mortgages remain the most popular type of real estate financing for military veterans. With 80-20 conforming loans completely disappearing, more and more civilians are considering the valuable VA benefits associated with joining the Armed Forces.

FHA Home Financing
FHA Mortgage Refinancing

Down Payment Assistance Mortgages are home financing products that were created to assist new and 1st -time home buyers with the down payment funding that cover closing costs typically associated with conforming and government mortgage loans. The Nehemiah provides grants up to 3% towards the down payment of a home. The Neighborhood Gold issues cash up to 20% with insurance for mortgage payment protection. The H.A.R.T. Grant offers up to $15,000 for down-payment and lending costs.
Mortgage Refinance

- Fixed Rate Refinancing
- Interest Only Payments
- Low Intro ARMs
- 40-yr. Refinance
- Jumbo Home Refi

Get More Refinance Loan Info and Options

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. Forget about the Negative Amortized Loans that have payment options with interest rates because most lenders have stopped offering the pay option loan programs.

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.

Leading realtors suggest that make home improvements like remodeling the kitchen, and improving the “curb appeal” can significantly increase the value of your home. Finance the improvements and construction today, and cash in on the profits later if you decide to sell your home.

Home Improvement Loans

- Home Equity Loans
- Low Interest Only
- Credit Lines
- Tax Deductible
- Cash Out Refinance
- New Home Construction

Learn More About Home Improvement Loans

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.

Unfortunately in most cases, when you buy a house that needs renovating you must wait one year to get access to money through a refinance mortgage that pays for the needed home improvements.

HUD offers a construction loan through FHA, called the 203(k) program can help you with this quagmire and allow you to purchase or refinance a property plus include in the loan the cost of making the repairs and improvements. The FHA insured 203(k) loan is provided through approved mortgage lenders nationwide. It is available to persons wanting to occupy the home.

The down-payment requirement for an owner-occupant is approximately 3% of the acquisition and repair costs of the property.

Second Mortgage Loans

- Fixed Rate Loans
- Interest Only (HELOC)
- Bad Credit OK
- Mortgage Refinance Loans to 100
- Cash Back to 90%

More Home Equity Mortgage Offers

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 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.

Debt Consolidation 2nd Loans

- Fixed 2nd Mortgages
- Refinance ARM’s
- 100% Credit Refi
- Reduced Interest
- Lower Payments
- Poor Credit OK

Look for Lower Payments Now!

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 house.

Consider debt consolidation loans for bad credit by leveraging 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. Consolidate high interest loans and debt with a refinance or 2nd mortgages that require you to have no equity in your home.

Home Loan Program Updates

Smart Home Mortgage Loans now offers improved pricing Pay Option ARM! SHML continues to offer second mortgages with improved rate features.

Get more Info for Mortgage Loan Types

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

Lending Partners: Get more support from more lenders in case SHF is unable to get you approved for the loan you are looking for. BD Nationwide announced several programs centered around the mortgage for refinancing.

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?
Reverse Mortgage Loans are loan programs 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.

If you are looking for retirement home loans, take a minute and speak to one of the lenders affiliated with Smart Home Financing. Shop finance companies that offer premiere retirement mortgages.

Rising Mortgage Rates Could Hinder Housing Recovery: As predicted the volume of house refinancing application dropped significantly last quarter. Wells Fargo's decreased by 17% and JPMorgan's by 6%.

Home Mortgage News

Home Loan Markets Risk Losing Value

Homes in about 30% of the top 50 U.S. housing markets are at risk of losing value, up from about 20% a year ago, according to an index prepared by mortgage insurer PMI Group Inc.

The average score of PMI's U.S. Market Risk Index for the top 50 metropolitan statistical areas rose 70 points this quarter to 288 from a year ago, PMI reported yesterday.

The highest risk regions are located in California and the Northeast Boston-to- New York corridor. San Diego claims the top spot with a 60% chance that housing prices will decline in two years. Nassau-Suffolk, NY, is No. 2, followed by Santa Ana and Sacramento, California

Highest risk states: California, New York, Massachusetts, New Hampshire, Maryland, Minnesota, & Nevada.

Home Construction News
Recently in Raleigh, North Carolina, almost $2,000,000 in second home loan fundings will be dismissed by several home construction builders. Apparently the builders are cooperating with a state and Federal investigation of a mortgage broker accused of fraud.

FHA Loan Reform on the Horizon
The prospects for Senate passage of a Federal Housing Administration reform bill have improved greatly now that Sen. Tom Coburn, R-Okla., has signaled a willingness to allow a vote if his concerns about FHA reverse mortgages are addressed. Sen. Coburn has been holding up passage of the FHA bill for several weeks.

This loan amendment is expected either to restore a cap on the number of reverse mortgages the FHA can insure or require the agency to notify the banking committee if losses on the reverse mortgage program out-gain revenues.

Congress Announces New Considerations for FHA Guidelines and Rules:
Lenders announce mortgage refinance loans with FHA. Did you know that American taxpayers guarantee nearly 85% of new house loans? The Wall Street Journal said this equates to $5.1 trillion in mortgage credit and growing. Find out if FHA will continue extending risky loans to home buyers and people looking for no equity refinancing.

ARM Assumptions (Adjustable Rate Mortgage): The payment on a 30-year $300,000 at 3.25% and 79% LTV is $1,722.29 with one point due at closing. The annual percentage rate 3.37% 9-27-12. This not a commitment for home mortgages or an advertisement for credit. is an advertiser supported lending directory service that is offered to consumers at no charge. By clicking "apply now" you agree to have your info shared with one to four real estate finance professionals and other business partners and for them to contact you (including autodialing, text & pre-recorded messaging) via telephone, mobile device and email, even if your telephone number is currently listed on any state, federal or corporate Do Not Call list. We do not make home mortgage loans. Use of this site constitutes acceptance of our privacy and disclaimer policies.

©1998-Present Smart Home Mortgage Loans. Website Developed by SLN, Inc. All rights reserved.
Disclaimers | privacy policy | find mortgages | mortgage calculators |
Site Map