ask us anything
Got questions about mortgages or the home loan process? Ask us anything! Our knowledgeable team at Smooth Home Loans is here to provide you with expert guidance and support.
Years of experience
who we are
Your Reliable Mortgage Companion, Making Homeownership a Reality
Whether you’re a first-time buyer or looking to refinance, we offer a comprehensive range of loan products designed to meet your unique needs and financial goals. Trust Smooth Home Loans to navigate the complexities of the mortgage market, allowing you to focus on what truly matters—building a comfortable and secure future in your new home.
At Smooth Home Loans, our mission is to empower individuals and families to achieve their homeownership dreams by providing accessible, transparent, and personalized mortgage solutions tailored to their unique needs and financial situations.
why choose Smooth Home Loans ?
Lower Interest Rates
Lower Closing Costs
Better Service
Faster Closings
Navigating the Path to Homeownership Together
At Smooth Home Loans, we understand that purchasing a home is one of life’s most significant decisions. That’s why we’re dedicated to partnering with you every step of the way on your journey to homeownership. From exploring financing options to closing the deal, our experienced team is here to provide guidance, support, and personalized solutions tailored to your unique needs and goals. With our expertise and your vision, we’ll navigate the complexities of the mortgage process together, making your dream of owning a home a reality.
what we offer ?
Mortgages Made Easy, Dreams Made Real
DSCR/Investor
- No Job/income required
- Based off credit, down payment, and proposed rent
- Cash out refinance or Purchase
meet our Team
Our Mortgage Expert Will Be Helping You
Spencer Hickoff
Founder
Jacob Herzog
President
Listing property
Empowering Your Homeownership Journey
$50,000
- 2
- 3
- 1
- 2500sqft
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$99,999
- 4
- 5
- 3
- 5000sqft
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$75,000
- 2
- 3
- 1
- 2500sqft
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$40,000
- 2
- 3
- 1
- 1870sqft
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REALTOR SPOTLIGHT
Let us help you with your financing and trust these realtors with helping you find your home
Tammy Zielinski
The Brand Real Estate
Serving Fenton & surrounding areas
AJ Stadler
RE/MAX First
frequently asked questions
A mortgage is a loan that you take out to finance the purchase of a home. It is a long-term loan typically repaid over several years. The property you purchase serves as collateral for the loan, and if you fail to make the mortgage payments, the lender can foreclose on the property.
Several factors come into play when determining mortgage eligibility. These include your credit score, income, employment history, debt-to-income ratio, and the amount of your down payment. Lenders also consider the property's appraisal value and condition.
A fixed-rate mortgage has a set interest rate that remains unchanged throughout the loan term. This means your monthly mortgage payments will also remain consistent. In contrast, an adjustable-rate mortgage (ARM) offers an initial fixed-rate period, after which the interest rate can fluctuate based on market conditions.
Receive Interest Rate Quotes
Fill out your information to receive info on rates, general financing questions, purchase process or preapproval.
