Terms that guide your use
Privacy Policy
Privacy Policy
Smart Home Lending, LLC — NMLS #2140357 Last updated: June 8, 2026
Collection of Information
We collect non-personally identifiable information about you in a number of ways, including tracking your activities through your IP address or most-recently-visited URL. However, we do not collect any personally identifiable information about you unless you voluntarily submit contact information to us, such as name, phone number, email address, and mailing address by filling out a form or survey, registering your email address with us, or emailing us. We may also collect personal information from you at other points on our site that state that personal information is being collected.
Disclosure of Information
We do not sell or rent your personally identifiable information to any third parties.
Use of Information
We use personally identifiable and non-personally identifiable information for internal marketing purposes, for trend analysis, for pattern detection, and for site administration. However, we do not use personally identifiable information collected from the website to send unsolicited mailings to you. Of course, if applicable, we do use personally identifiable information to perform the services for which such data was collected (i.e., if you sign up for an email newsletter, we will send the email newsletter to the address you provide us).
We provide you the opportunity to "opt-out" of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you request a product or service but do not wish to receive any additional marketing material from us, you can indicate your preference by clicking on the unsubscribe link contained in the footer of our emails.
If you no longer wish to receive our newsletter and promotional communications, you may opt out of receiving them by clicking on the unsubscribe link in the footer included in each newsletter or communication, by replying to the email, or by contacting us by phone at (913) 599-9222.
Text Messaging (SMS/MMS) and Mobile Consent
When you provide your mobile phone number and consent through a form on our website, we may send you text messages (SMS/MMS) related to your loan inquiry and application. These may include transactional messages, such as updates on the status of your application, and, where you have separately consented, marketing and promotional messages such as rate updates and special offers.
Consent. We send text messages only to individuals who have opted in by providing their mobile number and affirmatively agreeing to receive text messages from us. Consent to receive text messages is not a condition of any purchase or of applying for a loan.
No sharing of mobile opt-in data. Mobile information and SMS consent are not shared with, sold, or rented to any third parties or affiliates for their own marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties.
Message frequency and rates. Message frequency may vary. Message and data rates may apply, depending on your mobile carrier and plan.
How to opt out. You can opt out of receiving text messages at any time by replying STOP to any message you receive from us. After you reply STOP, we may send a single confirmation message acknowledging your opt-out, and you will not receive further text messages from that program unless you opt in again.
Help. For help, reply HELP to any message, contact us at (913) 599-9222, or email us at hello@smarthomelending.com.
Carriers are not liable for delayed or undelivered messages.
Third Party Sites — Review and Removal of Your Personally Identifiable Data
If you provide us with personally identifiable information to have us perform ongoing services to you, we will provide you with a way to review the information we have on file and either change or remove such data. To do so, please notify us via post or email at the address below and we will provide you with your contact information for review. To make changes, send us the changes and we will respond to your request for access within thirty (30) days of the request. Unfortunately, to the extent that such information is also stored in other databases, we cannot always ensure that such corrections or deletions will reach the other databases. If you wish to have information you provided to us online removed from our records, please provide us with the information as you submitted it to us at the address below. We will use all reasonable efforts to ensure that your information is removed from our records.
Cookies and Other Tracking Methods
When you view our website, we might store some information on your computer. This information will be in the form of a "cookie" or similar file. Cookies are small pieces of information stored on your hard drive, not on our site. Cookies, which are tied to personal information, do not spy on you or otherwise invade your privacy, and they cannot invade your hard drive and steal information. Rather, they help you navigate a website as easily as possible. Cookies can help us provide information that is targeted to your interests and they allow us to better understand how users use our site, which in turn helps us focus our resources on features that are most popular with our users. You are always free to decline our cookies if your browser permits, but some parts of our site, including our registered customer account web pages, may not work properly in that case.
Third Party Tracking
We use a third-party tracking service from Google Analytics that uses cookies to track information about visitors to our site in the aggregate on page visits, time on page, and visitor bounce rates to enable our making the site better and more informative to our visitors.
Legal Disclosure
We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our website.
Security
We use industry-standard methods to protect your personally identifiable information from unauthorized access. Among other techniques, we usually store such information on a computer behind our "firewall" in a secure location, and we often restrict the number of employees internally who can access such data. Of course, there is no such thing as "perfect security" on the Internet.
Amendments
Amendments to this policy will be posted at this URL and will be effective when posted.
Changes in this Privacy Statement
If we decide to change our privacy policy, we will post those changes to this privacy statement, the home page, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.
We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page.
By using our website, you are accepting this privacy policy and the practices set out in this policy. Should you have any questions about our Privacy Policy, or need assistance regarding our Privacy Policy, please contact us using the information below.
Contact
Smart Home Lending, LLC 5440 W 110th St Suite 300, Overland Park, KS 66211 Phone: (913) 599-9222 Email: hello@smarthomelending.com
What is the first step in getting a mortgage?
The first step is getting pre-approved. At Smart Home Lending, pre-approval takes as little as 24 hours and gives you a clear picture of your budget, loan options, and buying power before you start shopping. Pre-approval is free, requires no commitment, and shows sellers you are a serious buyer.
How much do I need for a down payment?
Down payment requirements vary by loan type. Conventional loans start as low as 3% down, FHA loans require 3.5% down for borrowers with a 580 or higher credit score, and VA and USDA loans offer 0% down for eligible borrowers. A larger down payment typically reduces your monthly payment and may eliminate private mortgage insurance (PMI). Your loan officer can help identify the program that fits your goals.
How long does the mortgage approval process take?
Pre-approval at Smart Home Lending typically takes 24 to 48 hours. Full loan approval, from application to clear to close, generally takes 21 to 30 days depending on the loan type, appraisal timeline, and how quickly you submit documents. Staying responsive during underwriting is the best way to keep the process on track.
Do I need perfect credit to qualify for a home loan?
No, perfect credit is not required. FHA loans are available to borrowers with credit scores as low as 580. Conventional loans typically require a minimum score of 620. VA loans have flexible credit guidelines with no set minimum from the VA itself. Higher credit scores generally qualify for lower interest rates, so it is worth asking your loan officer whether improving your score before applying makes sense for your timeline.
How are mortgage rates determined?
Mortgage rates are shaped by a combination of market conditions and your personal financial profile. Key factors include your credit score, loan-to-value ratio, loan type (conventional, FHA, VA, or USDA), loan term, and debt-to-income ratio. Lenders also watch broader economic indicators like the 10-year Treasury yield. Rates change daily, so a Smart Home Lending loan officer can give you a real-time quote based on your specific situation.
Are there any hidden fees in the mortgage process?
All mortgage costs are required by federal law to be disclosed in writing on a Loan Estimate, provided within three business days of your application. This document itemizes your interest rate, monthly payment, closing costs, and any lender fees. Smart Home Lending walks you through every line before you move forward, so you know exactly what to expect at closing.
Can I lower my mortgage interest rate later by refinancing?
Yes. Refinancing replaces your current mortgage with a new loan, often at a lower rate, which can reduce your monthly payment or total interest paid over the life of the loan. Refinancing typically makes financial sense when market rates drop at least 0.5% to 1% below your current rate. Your break-even point, meaning the time it takes for monthly savings to cover closing costs, matters too. Smart Home Lending can run a cost-benefit analysis to help you decide if and when refinancing is worth it.
What documents do I need to apply for a mortgage?
Most mortgage applications require a government-issued photo ID, federal tax returns from the past two years, recent pay stubs (last 30 days), two to three months of bank statements, and documentation of any additional income. Self-employed borrowers typically provide two years of business tax returns and a current profit and loss statement. Your loan officer will give you a personalized document checklist based on your loan type and financial profile.
Will I have a dedicated loan officer to guide me through the process?
Yes. Every Smart Home Lending client works with a dedicated loan officer from application through closing. Your loan officer coordinates with the title company and real estate agent, answers your questions, and keeps you updated at every stage. You will always know who to contact and where your loan stands.
What happens after I get pre-approved for a mortgage?
Once pre-approved, you receive a pre-approval letter stating your loan amount and estimated terms, which you can present with offers to show sellers you are a qualified buyer. When your offer is accepted, your loan officer opens the full loan file, orders the appraisal, and moves into underwriting. From accepted offer to closing, the full process typically takes three to four weeks at Smart Home Lending.