Professional Mortgage Services

Need help with your mortgage process? We've got you covered!

INFORMATION, PROGRAMS AND FACTS

Important Information

  

Acceptable time frame for loans that have had a Bankruptcy or Foreclosure:


FHA Loans:

  • Chapter 7 - 2 years from actual discharge date.
  • Chapter 13 - 2 years from filing date.
  • Foreclosure – 3 years from actual discharge date.

Conforming or Conventional Loans:

  • Chapter 7 - 3 years from actual discharge date.
  • Chapter 13 - 2 years from actual discharge date.
  • Short Sale - 2 years
  • Foreclosure - 3 years​

Loan Products & Programs

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FHA, VA and USDA Home Loans

First Time Home Buyer Programs

100% Home Loan Purchases, No Down Payment

Various Refinancing Options Available

Jumbo Loans and Super Jumbo Loans

Condos & Non Warrantable Condos

Rehab Loans/FHA 203k 

FHA Streamline Refinance Loans

Buy-down option of rate available!


Myth vs Fact

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  • I am only allowed “ONE” FHA, VA or USDA loan in my life time. – FALSE 
  • FHA, VA and USDA loans are only for First Time Home buyers. - FALSE 
  • You need a 10 or 20 percent Down Payment to buy a home. – FALSE
    We can show you how to finance up to 100% of the value of your home.
  • You must purchase Mortgage Insurance if your Down Payment is less than 20 percent. – FALSE             
  • Owning a home costs more than renting. - FALSE
    Allow us to show you mortgage programs with monthly payments that are compatible with the current rent you are paying now.
  • Checking your credit rating lowers it. - FALSE
    It is recommend that checking your credit rating at least three times a year to make sure there are neither errors nor anyone using your credit identity.
  • Shopping around lowers your credit score. - FALSE
    Inquiries within 14 days for the same kind of credit-such as a home mortgage count as a single inquiry

Contact Us

NMLS ID: 234470

Proudly Servicing Wisconsin and Florida Since 2001

Smart Financial Services, Inc.

2778 South 35th Street, Milwaukee, Wisconsin 53215, United States

(414) 645-4444

Hours

Monday - Friday: 9am - 5pm

Saturday - By Appointment

Sunday - Closed

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