Smart Mortgage Centers (Illinois)

Mortgage Company in Naperville, IL
Mortgage Company in Naperville, IL We offer thousands of different loan programs to meet your specific needs and the dedication to customer service that makes it all happen.

96% of our customers say they choose us because we have the lowest interest rates. You too can get the lowest rates and lock in that rate today. Just call 888-762-7881 or APPLY ONLINE. Your own personal mortgage professional will be assigned to you and assist you from start to finish.

The right mortgage tools, loan programs, mortgage calculators and dedicated customer service 7 days a week! You can count on this and more with Smart Mortgage Centers. In business since 1997,SmartMortgage Centershas closed over $10 Billion in residential mortgages.
Areas Served
  • Chicagoland, Illinois, Will County, Dupage County and surrounding areas.
Business Details
  • Serving residential and commercial clients
  • Licensed, insured and bonded
  • Year established: 1997
  • Number of employees: 20
Highlights & Specialties
  • FHA/VA approved
  • Refinance with low credit scores
Professional Associations & Certifications
  • BBB A+ Rating
Social Profiles

Contact Details

1355 S. Rt 59.
Naperville, IL
Driving Directions

Products & Services

Purchase or Refinance we will find you the lowest rate
No closing cost options available
read moreRefinance or Purchase we provide hundreds of loan programs.
Call us today at 1-888-SMART-81 or visit us online at


Fred and Glenda
Charleston, IL
read moreThank 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.
Oswego, IL
read moreI used Smart Mortgage for a refinance and everything went great. Service was prompt, accessable, friendly, and I was treated like family.
Chicago, IL
read moreSmart 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.
Bartlett, IL
read moreSmart 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)!

Key People

read moreOver the past 20 years I have been involved in the Mortgage and Lending industry. In 1993 I originated my first mortgage and eventually became the Vice President of a large mortgage corporation. After 4 successful years and many happy clients I decided it was time to move on and open my own company. Smart Mortgage Centers has been open now for 14 years and continues to be successful. Excellent customer service, trust, and communication is what sets us apart from your just average mortgage/lending companies. A number of our Loan Specialists have been with Smart Mortgage Centers for 14 years and have been in the industry for over 20 years as well! When your ready to purchase the home of your dreams we will be here for any questions you have. When your ready to refinance your home we will be here with the lowest rates we can offer and no closing cost options. Call us today at 630-904-1800 or toll free 1-888-SMART81.


From Website

Smart Mortgage Centers (Illinois)
read moreTake the time to browse our loan programs, use our calculators and apply online. This is our 23rd year in business. As a complaint free company we hold the highest ratings online including A+ accreditation with the Better Business Bureau and 5 star ratings with Google, Yelp, Facebook and BirdEye. Ryan and his crew are awesome! We contacted Smart Mortgage just to see if we would qualify in the near future to purchase our first home. We ended up qualifying immediately. We were definitely a handful, but Ryan got us through the process and into our home.
About Us
read moreThank you for visiting us today. Smart Mortgage Centers was founded in 1997 by Richard Birk. Our mission is simple, find our clients the best possible mortgage options available on the market. Our experienced team is trained to have you pre-approved quickly, meaning minutes not days. Our goal is to evaluate your current situation while having you approved in 30 minutes or less. The home buying or refinancing experience should be simple but personal. We promise not to pass you around, you will work one on one with the same licensed professional from start to finish.
Smart Mortgage Centers
read moreIf you have a specific date you wish to be contacted, please enter it below. This may be useful if you have a balloon loan coming due in the future, or if you have an adjustable loan that you want to refinance when it adjusts upward.
Smart Mortgage Centers
read moreA Non-QM or Non-Qualified mortgage loan is a home financing solution for responsible borrowers that don't fit into the parameters of conventional mortgages. Millions of people that don't qualify for a home loan by using their tax returns, W-2s or pay stubs alone, are able to qualify with us. Non-QM loans fill the void by allowing the use of alternative income verification methods to help get you approved for the mortgage loan you deserve. Non-QM loans can provide financing for first time home buyers, 2nd homes, refinances and more!
Smart Mortgage Centers
read moreBecause 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. Grants for homebuyers are not limited to first time homebuyers. In order to qualify for the Grant Program the 1st mortgage will have to be completed by Smart Mortgage Centers.
Smart Mortgage Centers
read morePre-qualification occurs before the loan process actually begins. The lender gathers information about your income and debts, and makes a financial determination about how much house you may be able to afford. It's a good idea to know how expensive a home you can afford before you start shopping for one! If you are refinancing the loan on your existing home, then the pre-qualification process should help you decide whether refinancing is a good idea for you. The application is the beginning of the loan process and either occurs after you have found a property you want to buy or have determined that you wish to refinance the loan on your existing home.
Smart Mortgage Centers
read moreOur team is committed to being the fast, creative, and reliable consultants that will help you close and fund commercial loans while providing seamless customer support from our lenders to your clients. We partner with you to work for your borrower to find the best programs to meet their financial goals. We specialize in innovative real estate financing for borrowers who fall "outside the box" of traditional lending guidelines.
Smart Mortgage Centers
read moreTo apply for a loan, you will have to provide the lender with detailed documentation of your financial history. The lender will request a credit report from a credit agency and will verify the information provided in your loan application.
Hours of Operation
Monday08:00 AM÷08:00 PM
Tuesday08:00 AM÷08:00 PM
Wednesday08:00 AM÷08:00 PM
Thursday08:00 AM÷08:00 PM
Friday09:00 AM÷05:00 PM
Saturday10:00 AM÷02:00 PM
Sunday10:00 AM÷02:00 PM
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