Legal & Policies
Terms and Conditions
Last updated: June 24, 2026
Welcome to Smart Home Lending, LLC. These terms and conditions outline the rules for using our website. By accessing this website, you accept these terms and conditions in full. Do not continue to use the website if you do not accept all of the terms and conditions stated on this page.
Smart Home Lending, LLC is located at 5440 W 110th St Suite 300, Overland Park, KS 66211.
Definitions
In these terms, “Smart Home Lending,” “we,” “us,” and “our” mean Smart Home Lending, LLC. “You” and “your” mean the individual accessing or using the website. “Website” means smarthomelending.com, including its pages and content.
Mortgage Broker Role
Smart Home Lending, LLC is an independent mortgage broker. We may submit your information to, and facilitate transactions with, third-party lenders and service providers. Smart Home Lending does not make loans or lending decisions and does not guarantee that any lender will approve an application or offer any particular rate, term, fee, or loan program.
No Loan Agreement Created
Your use of the website, submission of an inquiry, scheduling of a call, prequalification, or submission of information does not create a loan agreement, establish a commitment to lend, or obligate Smart Home Lending or any lender to offer credit. Any loan terms are governed exclusively by the application documents, disclosures, and agreements provided to you in connection with a specific transaction.
Disclaimer
The information on this website is provided for general informational purposes only and does not constitute financial, legal, or tax advice, an offer to lend, or a commitment to lend. All loan programs, rates, terms, and conditions are subject to change without notice and to credit approval, underwriting, and applicable eligibility requirements. To the maximum extent permitted by applicable law, we exclude all representations, warranties, and conditions relating to our website and the use of this website. We do not warrant that the information on this website is complete, accurate, or up to date, or that the website will be available without interruption.
Calculators and Estimates
Any calculators, payment estimates, rate illustrations, savings estimates, and similar tools on the website are provided for informational purposes only. Results are estimates based on the information you enter and the assumptions used, and may not include all taxes, insurance, fees, assessments, closing costs, or qualification requirements. They are not an offer, approval, or commitment to lend.
No Professional Advice or Fiduciary Relationship
The website does not provide financial, legal, tax, or other professional advice, and your use of the website does not create an advisory, fiduciary, broker-client, or other professional relationship. You should consult your own advisors before making financial decisions.
Eligibility
The website is intended for individuals who are at least 18 years old and able to enter into binding agreements. Mortgage products are offered only where Smart Home Lending and the applicable loan originator are properly licensed.
Acceptable Use
You agree to use this website only for lawful purposes and in a way that does not infringe the rights of, or restrict or inhibit the use and enjoyment of, this website by any third party. You must not use this website to engage in any unlawful or fraudulent activity, to transmit malicious code, to attempt to gain unauthorized access to our systems or networks, to collect or harvest data using automated means without our prior written consent, or to interfere with the proper working of the website.
Intellectual Property
Unless otherwise stated, Smart Home Lending, LLC and/or its licensors own the intellectual property rights for all material on the website, and all rights are reserved. You may view and print pages from the website for your own personal, non-commercial use. You must not republish, sell, rent, sub-license, reproduce, duplicate, copy, or redistribute material from the website except as permitted by these terms or with our prior written consent.
Third-Party Links and Platforms
The website may link to or integrate with third-party services, including loan application, account-verification, scheduling, analytics, advertising, and communications platforms. Those services are governed by their own terms and privacy policies, and we are not responsible for their content, products, or practices except as required by applicable law. You may link to publicly available pages on the website, provided the link does not misrepresent your relationship with Smart Home Lending or imply sponsorship or endorsement, and is not used in connection with content that is unlawful, misleading, or infringing. We may ask you to remove any link to the website, and you agree to do so promptly. You may not frame the website or use our logo or trademarks without our prior written permission.
Cookies
We use cookies and similar technologies as described in our Privacy Policy. Where required by law, we will provide additional notice concerning non-essential cookies and advertising technologies.
Text Messaging
Smart Home Lending, LLC offers subscription text message programs. The types of messages you may receive include notifications, promotional messages, appointment notifications, appointment reminders, and messages related to your loan inquiry or application. Customers may opt in to receive text messages by providing their mobile number and consent through a form on our website. Consent to receive marketing text messages is not a condition of applying for or obtaining a mortgage product or service.
We will not sell, rent, or disclose your mobile information or SMS consent to third parties or affiliates for their own marketing or promotional purposes. We may disclose this information to service providers that help us deliver and administer the messaging program, subject to restrictions on their use of the information. Message frequency may vary. Reply STOP to end or HELP for help. Enrollment in an SMS program does not automatically enroll you in unrelated email or marketing programs.
For full details on our text messaging practices and your consent options, please see the Text Messaging (SMS/MMS) and Mobile Consent section of our Privacy Policy.
Message and data rates may apply depending on your mobile carrier and plan. Carriers are not liable for delayed or undelivered messages.
Limitation of Liability
To the maximum extent permitted by applicable law, Smart Home Lending, LLC and its officers, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your access to or use of, or inability to access or use, this website. Nothing in these terms excludes or limits any liability that cannot be excluded or limited under applicable law.
Indemnification
You agree to indemnify and hold Smart Home Lending, LLC harmless from third-party claims arising from your unlawful misuse of the website, your intentional violation of these terms, or content you submit that infringes another person’s rights.
Governing Law
These terms and conditions are governed by and construed in accordance with the laws of the State of Kansas, without regard to its conflict of law provisions, and you submit to the non-exclusive jurisdiction of the state and federal courts located in Kansas for the resolution of any disputes.
Severability
If any provision of these terms and conditions is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity will not render these terms and conditions unenforceable or invalid as a whole, and such provisions will be deleted without affecting the remaining provisions.
Entire Agreement
These terms and conditions, together with our Privacy Policy and any notices posted on this website, constitute the entire agreement between Smart Home Lending, LLC and you in relation to your use of this website and supersede all prior agreements and understandings with respect to the same. These terms do not replace, amend, or supersede any application documents, disclosures, rate-lock agreements, loan documents, or other transaction-specific agreements provided to you.
Changes to These Terms
We may revise these terms and conditions at any time by updating this page. Any changes will be effective when posted, and the “Last updated” date above will reflect the most recent revision. Your continued use of our website after changes are posted constitutes your acceptance of the revised terms. Please review this page periodically.
Contact
Smart Home Lending, LLC
5440 W 110th St Suite 300, Overland Park, KS 66211
Phone: (913) 599-9222
Email: hello@smarthomelending.com
NMLS #2140357 | Equal Housing Opportunity
See our Licensing & State Disclosures for the states in which we are licensed.
What is the first step in getting a mortgage?
Start with a conversation about your home-purchase plans, financing questions and next steps. A licensed loan officer can explain the review process and which documents may be needed. An inquiry or estimate is not a loan approval or commitment to lend.
How much do I need for a down payment?
Down payment and mortgage insurance requirements depend on the loan program, borrower qualifications, property and lender guidelines. A licensed loan officer can explain the options and the cash needed for your scenario. Program availability and eligibility are subject to review.
How long does the mortgage approval process take?
Timing depends on the loan program, complete documentation, lender underwriting, appraisal and property requirements. Discuss your proposed purchase and closing timeline with your loan officer. Estimates are not guaranteed approval or closing dates.
Do I need perfect credit to qualify for a home loan?
Credit requirements vary by program and lender, along with other underwriting factors. A licensed loan officer can review your circumstances and explain available options. No credit score alone establishes eligibility or guarantees approval.
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?
Refinancing may change your interest rate, payment, loan term and total borrowing costs. Whether it makes sense depends on available terms, closing costs and your plans. Ask a licensed loan officer to compare scenarios; a lower payment does not necessarily mean lower total cost.
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?
Ask the team who will handle your inquiry and how to contact them as you move through the process. Your loan officer can explain the next steps, required documentation and communication arrangements for your file.
What happens after I get pre-approved for a mortgage?
Review the letter and any conditions with your loan officer before using it with an offer. Any further approval depends on lender underwriting, updated documentation, the property and other applicable requirements. A pre-approval is not a final commitment to lend.
What is a DSCR loan and who qualifies?
DSCR stands for Debt Service Coverage Ratio. It is a loan program designed for real estate investors that qualifies borrowers based on the rental income of the property rather than personal income or employment history. A DSCR of 1.0 means the property's rental income covers the mortgage payment exactly. Most lenders look for a DSCR of 1.0 or higher. These loans are ideal for investors building a rental portfolio who want to keep their personal finances separate from their investment activity. Smart Home Lending offers DSCR loans across its licensed states.
Can I get a mortgage if I am self-employed?
Yes. Self-employed borrowers can qualify for the same loan programs as W-2 employees, including conventional, FHA, VA, and USDA loans. Lenders typically use two years of personal and business tax returns to calculate qualifying income, averaging net income over that period. Smart Home Lending works with self-employed borrowers regularly and can help you identify which documentation approach produces the strongest application.
What is the difference between pre-qualification and pre-approval?
Pre-qualification is an informal estimate of what you might be able to borrow based on self-reported income and assets. Pre-approval is a verified review of your credit, income, and financial documents, and carries significantly more weight with sellers and real estate agents. At Smart Home Lending, we recommend getting pre-approved before you start shopping so your offer is backed by a real lender review, not just an estimate.
What states does Smart Home Lending serve?
Smart Home Lending is licensed to broker residential mortgage loans in Arkansas, Colorado, Florida, Iowa, Kansas, Minnesota, Missouri, Oklahoma, and Texas (NMLS #2140357). If you are located in one of these states and are ready to buy, refinance, or explore your loan options, a Smart Home Lending loan officer is available to help.
Can I buy a home with no money down?
Yes, in certain cases. VA loans offer 100% financing with no down payment for eligible active-duty service members, veterans, and surviving spouses. USDA loans also offer zero down payment for eligible borrowers purchasing in qualifying rural and suburban areas. Both programs require meeting specific eligibility criteria. Smart Home Lending can help you determine whether you qualify and walk you through the application.