Business Details
29 Years
experience
Your Trusted Mortgage Partner in Joliet, IL
Smart Mortgage Centers (Illinois) has been a trusted partner in the mortgage industry for 25 years, dedicated to helping clients achieve their homeownership goals. Our team prioritizes transparency, offering low mortgage rates with minimal closing costs while leveraging a network of lenders to secure the best programs for each client. With an A+ accreditation from the Better Business Bureau and hundreds of 5-star reviews, we combine local market expertise with cutting-edge technology for a seamless experience. Our services include pre-qualification, rate shopping, cash-out refinancing, and tailored fixed-term mortgages. We operate in Colorado, Florida, Illinois, Indiana, Iowa, Virginia, and Wisconsin, maintaining a commitment to personalized service and community engagement.
Services
Mortgage Brokers
Refinance
FHA Loans
VA Loans
Jumbo Loans
First Time Home Buyer Programs
Investment Property Loans
Cash-Out Refinancing
Fixed-Rate Mortgages
Low Closing Cost Options
Served areas
- Chicagoland, Illinois, Will County, Dupage County and surrounding areas.
Details
- Year established: 1997
- Employees: 20
Highlights and features
- FHA/VA approved
- Refinance with low credit scores
Associations and certifications
- BBB A+ Rating
What people say
Fast service
Expert guidance
Competitive rates
Professional team
Successful solutions
Services
Mortgage Brokers
We connect clients with lenders offering competitive mortgage rates and programs tailored to their financial goals. Our expertise spans conforming and non-conforming loans, ensuring access to diverse options. With 25 years of experience, we streamline the process for home purchases, refinancing, and equity utilization.
Refinance
Our refinancing services help clients secure lower rates, reduce monthly payments, or shorten loan terms. We specialize in cash-out refinancing for home improvements or debt consolidation. Using advanced tools, we analyze market conditions to optimize savings while minimizing closing costs.
FHA Loans
We offer FHA-insured loans for first-time buyers and those with lower credit scores. These programs require minimal down payments and flexible qualification criteria. Our team guides clients through the process, ensuring compliance with federal regulations while maximizing affordability.
VA Loans
Designed for eligible veterans and service members, our VA loan programs provide zero-down payment options and competitive rates. We handle the unique documentation requirements and ensure adherence to VA guidelines, making homeownership accessible for military families.
Jumbo Loans
We facilitate jumbo loans for high-value properties exceeding conventional loan limits. Our network includes lenders offering flexible terms and competitive rates for luxury homes. We specialize in underwriting complex financial profiles to meet clients' premium real estate needs.
Questions
What mortgage programs do you offer?
We offer fixed-rate, FHA, VA, jumbo, investment property, and first-time homebuyer loans. Our team helps clients choose the best program based on their financial situation and goals.
How can I get pre-qualified?
Use our online prequalification tool or contact us directly. We’ll review your financial details and provide a preapproval letter within minutes to strengthen your home offer.
Do you offer low closing cost options?
Yes, we provide low and no closing cost options. Our team works to minimize upfront expenses while securing competitive rates tailored to your budget.
Can I refinance to lower my payment?
Yes, refinancing can reduce your monthly payment by locking in a lower rate or extending the loan term. We analyze your current mortgage to identify savings opportunities.
What areas do you serve?
We operate in Colorado, Florida, Illinois, Indiana, Iowa, Virginia, and Wisconsin. Our local expertise ensures tailored solutions for each market’s unique conditions.
Reviews (4)
Lewis
Aug 03, 2011
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Smart Mortgage Centers was excellent to work with, i couldn't have ask for better communication. My Representitive Jon was awesome to work with and answered any questions i had and made the process fast and easy. Smart Mortgage Centers, Inc. ended up getting me a better rate then my bank and saved me thousands in closing costs.
Danielle
Aug 03, 2011
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Smart Mortgage Centers helped us with a mortgage on a house we just closed on. Our broker Jaime was always available to answer our questions and found solutions for all potential problems without having an effect on our closing date. Jamie even came to the closing, which we heard is a rare thing. We are extremely grateful for this as there were some things during the closing that required his help, and because he was there they were resolved within minutes as opposed to hours. We are very happy with his service and would definitely use him again. Thanks for getting us into our first home Jamie (and Smart Mortgage Centers)!
Jason
Aug 03, 2011
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I used Smart Mortgage for a refinance and everything went great. Service was prompt, accessable, friendly, and I was treated like family.
Fred and Glenda
Aug 03, 2011
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Thank you for a job well done. We so appreciate the low interest rate and low closing costs you secured for our loan. We found the process smooth and easy from the beginning to the end. We will not hesitate to recommend your services to anyone we know looking to finance or refinance a home. Your professionalism and knowledge were outstanding. Again, THANKS.