Do you meet the general criteria for a home loan but lack the down payment?
Because this happens far too often Smart Mortgage Centers has created forgivable grant programs that provide down payment and closing cost assistance for borrowers who would otherwise qualify for a mortgage.
A borrower seeking a Non-Prime loan can use alternative documentation to qualify, in form of bank statements, liquid assets, and other forms of income not typically accepted by government lending criteria.
Programs start at 500 FICO Scores. Qualifying credit scores from 500 - 579 require larger down payments. Don't have the down payment? Don't worry our experts will advise you on how to raise your scores.
NO MONEY DOWN
Looking to buy in a rural area? Our USDA program offers NO MONEY DOWN.
Are you a Veteran? Our VA program offers NO MONEY DOWN.
What if I don’t know my credit score?
Nearly 3 out of 10 people do not know their credit score. Don’t worry we can help. With your permission we can pull your credit and a licensed professional will explain it to you. Best part it’s FREE.
What if my credit score is too low?
Our programs start at 500 FICO scores. Don’t worry, our experts will walk you through the steps to make owning a reality. A little free advice seems to get our client’s moving in the right direction.
What if I have no money to put down?
We will explain what options you have with limited or no money down. Our goal is to find solutions for those ready to own a home.
What if my bank or a lender turned me down?
In most cases banks and lenders do not offer the programs we have. We specialize in bank turn downs. 90% of our clients who were turned down by the bank end up owning a home.
We had Brian Tobin and he was excellent from start to finish. Even with having to change the closing 3 times because of the sellers he kept us informed of everything that was going on so I wouldn’t have any surprises. I would recommend them to anyone. We had an excellent time especially since we live in Jacksonville and he in another part of Florida.
We had a challenging scenario when purchasing our home but Tony and his team were top notch all the way from start to finish. Tony was always quick to explain the process of the procedure in a way that was easy to understand and his communication was always prompt. I can’t thank Tony and the Smart Mortgage team enough!!
Brian has helped us close several homes and he has been fenomenal every single time. He was always on top of everything and make each transaction so simple. Recently, he just helped us on the closing of our home when we were just selling our previous home and they are always so quick. Fantastic job Brian you never fail us.
Tony McDougall is amazing, we would not have been able to purchase the house that we did, had it not been for him. Tony worked late nights and weekends to make sure we were able to purchase our home. I would give him a thousand stars if I was able to. I would recommend Tony to anyone.