Non-traditional home loan options and revolutionary guidelines that are designed to provide today’s borrowers more choices and a positive lending experience. Check out our recently expanded terms and features.

Our Smart mortgages provide a wide range of options, such as bank statement programs for the self-employed, investor solutions using cash-flow qualification, and derogatory housing/credit event solutions. They accommodate first-time homebuyers and seasoned homeowners alike in financing or refinancing a new home, second home, or investment property.  



The SmartSelf program allows self-employed individuals to use 12 or 24 months’ personal or business bank statements or asset-based income to support their income in qualifying for a mortgage. Plus, no tax transcripts or tax returns are required.  Apply now!

This attractive jumbo mortgage is designed for those who are unable to secure a traditional home loan. It features generous guidelines such as alternative income qualification, low down payments, financing up to $3 million, and interest-only options.

Our SmartCondo mortgage offers flexible loan options for condo properties that don’t fit agency guidelines. That means you don’t have jump through extra hoops just to get a mortgage. What’s more, you can finance up to $2,500,000.

With SmartTrac you can leave a previous bankruptcy, short sale, and more in the past and focus on your financial future. It allows a significantly reduced waiting period on past bankruptcy, short sale, or deed-in-lieu compared to other programs - only 12 months! SmartTrac can give you a second chance at a home loan even if you don’t meet the requirements for other loans.

Designed for experienced real estate investors with multiple financed properties and complex finances, SmartVest makes it easy for investors to finance their investment property with flexible guidelines and attractive non-qualified mortgage (non-traditional) features such as interest-only options. Plus, income used to qualify is based upon cash flows from property owned using a Debt Coverage Ratio (DCR) calculation, instead of traditional income.

SmartFunds is the ideal loan for retirees, the self-employed or anyone else who has substantial assets but is unable to qualify using traditional income documentation.