Serving Those Who Served Your Path to financial freedom
Welcome to Smart Rate, Your Trusted Loan Experts. With over 12 years of experience and $300 million funded, we serve nationwide. Let us help you find your way home.
Unlock Your Dream Home with Our Solutions.
10+
Years Of
Experiance
Who Are We?
Founded in Irvine, California , Smart Rate is committed to helping individuals and families across all 50 states achieve their financial dreams. Our dedicated team provides expert guidance and personalized loan solutions tailored to you.
what we offer ?
Effortless Mortgages, Realize Your Dreams
Bridge Loans
A bridge loan is a short-term financing option used to "bridge" the gap between buying a new property and selling an existing one. Provides temporary funds to purchase a new home while selling your current residence.
Fast Approval: Get funds quickly to secure your new home.
Flexible Solutions: Tailored to meet your specific needs.
Easy Transition: Simplifies moving between properties.
DSCR Loans
Debt Service Coverage Ratio (DSCR) loan is a type of financing primarily used for investment properties, where eligibility is determined by the property's cash flow rather than the borrower's personal income.
Cash Flow Focused: Qualification is based on a properties ability to generate income.
Easier Qualification: Straightforward path to qualification.
Expert Support: Guidance throughout the process.
how it works
Partnering in Your Real Estate Success
Consultation
Discuss your needs and financial goals with our loan officers.
Application
Complete a simple application to start the financing process.
Closing
Finalize your mortgage, refinance, or equity loan.
Testimonials
— Michael R.
I had an incredible experience with Smart Rate. The team was attentive and helped me navigate the mortgage process smoothly. Thanks to their expert guidance, I was able to secure my dream home without any hassle. Highly recommend!
— Sarah T.
The support I received from Smart Rate was outstanding! They took the time to understand my needs and found the perfect financing solution for my investment property. I couldn't have done it without them!
At Smart Rate, we combine our extensive expertise with a deep commitment to exceptional service, ensuring a smooth and stress-free loan process for everyone, whether you're a first-time homebuyer, refinancing, or looking for competitive loan options.
