Finding Solutions for Renters who want to Own.
GRANTS
FREE GRANT MONEY
Do you need money for down payment?
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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.
NON-PRIME
ALTERNATIVE LENDING
Past Foreclosure, Bankruptcy, Short Sales?
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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.
BAD CREDIT
BAD CREDIT
Is Bad Credit Holding you Back?
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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
NO MONEY DOWN
Looking for more options?
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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.
Client Questions
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.