Smart Mortgage is proud to offer some of the lowest interest rates and lowest closing costs on jumbo loans, conventional, FHA, VA, USDA, and reverse mortgages in Prescott, Prescott Valley, Chino Valley, and throughout all of Arizona! We're available to help you 9-5 Monday thru Friday. We understand that you are busy working to earn the money for your mortgage, so we are also available evenings and weekends by appointment!
We try to keep the process as simple as possible, so we don't require originals of any documents. This makes it so very easy and convenient to work with us whether you're local to Prescott, or anywhere else in Arizona. With over 10 years of experience in Arizona, our experience & reliability is far greater than most other mortgage companies or loan officers with little to no background and experience.
You can rest assured we will be the most efficient and most reliable for you, your family, and your mortgage!
We try to keep the process as simple as possible, so we don't require originals of any documents. This makes it so very easy and convenient to work with us whether you're local to Prescott, or anywhere else in Arizona. With over 10 years of experience in Arizona, our experience & reliability is far greater than most other mortgage companies or loan officers with little to no background and experience.
You can rest assured we will be the most efficient and most reliable for you, your family, and your mortgage!
Services
The Smart Mortgage team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area.
The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of loan officers here can help you find the right loan program at the lowest rate no matter what your needs are.
The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Whether you are purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of loan officers here can help you find the right loan program at the lowest rate no matter what your needs are.
With a fixed rate mortgage, the interest rate does not change for the term of the loan, so the monthly payment is always the same.
Typically, the shorter the loan period, the more attractive the interest rate will be.
Payments on fixed-rate fully amortizing loans are calculated so that the loan is paid in full at the end of the term.
In the early amortization period of the mortgage, a large percentage of the monthly payment pays the interest on the loan.
As the mortgage is paid down, more of the monthly payment is applied toward the principal.
Typically, the shorter the loan period, the more attractive the interest rate will be.
Payments on fixed-rate fully amortizing loans are calculated so that the loan is paid in full at the end of the term.
In the early amortization period of the mortgage, a large percentage of the monthly payment pays the interest on the loan.
As the mortgage is paid down, more of the monthly payment is applied toward the principal.
Designed to offer long-term financing to American veterans, VA mortgage loans are issued by federally qualified lenders and are guaranteed by the U.S. Veterans Administration.
The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice.
It is generally easier to qualify for a VA loan than conventional loans.
A VA funding fee of 0 to 3.3% (this fee may be financed) of the loan amount is paid to the VA.
When purchasing a homeveterans may borrow up to 100% of the sales price or reasonable value of the home, whichever is less.
The VA determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice.
It is generally easier to qualify for a VA loan than conventional loans.
A VA funding fee of 0 to 3.3% (this fee may be financed) of the loan amount is paid to the VA.
When purchasing a homeveterans may borrow up to 100% of the sales price or reasonable value of the home, whichever is less.
Our FREE Home Value Comparisons tool has been designed to help you get an idea of what your home is worth on today's market, as well as the value of similar homes in your area.
Just answer a few easy questions, and you'll instantly access our database of available homes in your area of interest, along with their details and listing price.
It's quick and easy, and the more details you provide, the more accurate your results.
Just answer a few easy questions, and you'll instantly access our database of available homes in your area of interest, along with their details and listing price.
It's quick and easy, and the more details you provide, the more accurate your results.
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