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5.49% Fixed Rate

(15 Year, 5.93% APR)

SF4
  • Up To $10,000 Closing Assistance
  • Up To $50,000 Purchase  Boost
  • FREE Appraisal Included
Refi 4
  • Lower Payment up to $600
  • 14 Day Close Available
  • FREE Appraisal Included
Cash Out 4
  • Get up to $250,000 Cash
  • 14 Day Close Available
  • FREE Appraisal Included
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Our service

We Love Your Questions

OUR PASSION is making the loan process easy and saving you money.

YOU'RE INVITED to schedule a no-cost 30 minute mortgage analysis, and get all your questions answered.

Lower Pricing and Amazing Service

The LoanSmart Advantage

WHY PAY MORE?

Amazing Low Rates

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  • A Lower Rate Could Reduce Your Payment By Up To $400/month
  • A Lower Rate Could Boost Your Buying Power Buy Up To $50,000
  • We Guarantee Our Rates Are The Lowest In The Industry

NO JUNK FEES

$0 Up Front Fees

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  • $0 Appraisal Fee
  • $0 Application Fee
  • $0 Credit Check Fee
  • $0 Document Fee

HUGE SAVINGS

Save up to $10,000

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  • Would You Like To Reduce Your Cost To Close By up to $10,000?
  • You Could Get a $10,000 Credit Available To Use Toward Closing
  • Reduce Cash Needed So You Can Close Faster

LoanSmart Makes Home Affordable

1% Down Payment Program

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1% Down Available

Purchase Your Next Home With As Little As One Percent Down Payment

  •  No First Time Buyer Requirement
  •  Example: $200,000 Purchase = $2,000 Down
  •   Includes Up To $4,000 Of Down Payment Assistance
  •   Plus, Your Appraisal Is Free

Testimonials

What Our Clients Say

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Gotta love lower fees and a free appraisal. Plus my rate was lower than what anyone else quoted.

Second time around for a mortgage, I was blown away by how much lower the closing fees were with LoanSmart. Their free appraisal was a game-changer – nobody else offers that. Last time, I was hit with upfront fees and had to juggle saving for the down payment while paying for the appraisal. Closing on my purchase in just 18 days was beyond my expectations. LoanSmart made it all happen smoothly.

Jonathon Rios
Victorville, CA
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Exceptional refinance experience. LoanSmart outperforms all the big name lenders.

Shopping around for a refinance, I compared offers from big names like Chase, US Bank, and even my credit union. LoanSmart not only beat their rates but also helped me secure over $100,000 in cash-out. What's more impressive? We closed the deal in just 16 days. LoanSmart truly exceeded my expectations.

Jacob Taylor
San Diego, CA
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First-time homebuyer success. Daniel's expert guidance makes all the difference.

Being a first-time homebuyer made me nervous, but Daniel was incredible. He guided me through every step, patiently answering all my questions and concerns. Thanks to his support and expertise, I felt confident and informed throughout the entire process. Daniel made my dream of owning a home a reality.

Lucas Ramirez
Corona, CA
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Smooth home buying experience with LoanSmart and Daniel!

Thanks to LoanSmart and their helpful loan officer Daniel, buying my dream home was really easy. Daniel made sure everything happened quickly, so I could move in faster than I thought. LoanSmart also helped me get a lower interest rate and find ways to pay less for my down payment. They made the whole process simple and stress-free. I'm so thankful for LoanSmart and Daniel for making my dream home a reality.

Rebecca Davis
Palmdale, CA

Not Sure If You Qualify?

We Have You Covered

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Free Credit Score Check

No SSN Required & Will Not Impact Your Credit

  •  Learn If Your Credit Qualifies For A Mortgage 
  •  Receive Guidance To Put You On The Path To Home Ownership
  •  Includes Optional Free 30 Minute Mortgage Coaching Session