Legal & Policies
Terms and Conditions
Last updated: June 23, 2026
WELCOME TO Smart Home Lending, LLC!
These terms and conditions outline the rules and regulations for the use of Smart Home Lending’s website.
Smart Home Lending, LLC is located at:
5440 W 110th St Suite 300, Overland Park, KS 66211
By accessing this website, we assume you accept these terms and conditions in full. Do not continue to use Smart Home Lending’s website if you do not accept all of the terms and conditions stated on this page.
The following terminology applies to these Terms and Conditions, our Privacy Policy, and any related notices or agreements: “Client”, “You” and “Your” refers to you, the person accessing this website and accepting these terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us” refers to Smart Home Lending, LLC. “Party”, “Parties”, or “Us” refers to both you and the Company, or either you or the Company. Any use of the above terminology or other words in the singular, plural, capitalization, and/or he/she or they, is taken as interchangeable and therefore as referring to the same.
Cookies
We use cookies and similar technologies on our website. By using Smart Home Lending’s website, you consent to the use of cookies in accordance with our Privacy Policy. For details on how we use cookies and the choices available to you, please see our Privacy Policy.
License
Unless otherwise stated, Smart Home Lending, LLC and/or its licensors own the intellectual property rights for all material on Smart Home Lending, LLC. All intellectual property rights are reserved. You may view and/or print pages from https://smarthomelending.com for your own personal use subject to restrictions set in these terms and conditions.
You must not:
Republish material from https://smarthomelending.com
Sell, rent or sub-license material from https://smarthomelending.com
Reproduce, duplicate or copy material from https://smarthomelending.com
Redistribute content from Smart Home Lending, LLC (unless the content is specifically made for redistribution).
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.
Hyperlinking to Our Content
1. The following organizations may link to our Website without prior written approval:
Government agencies;
Search engines;
News organizations;
Online directory distributors when they list us in the directory may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and
Accredited businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Website.
2. These organizations may link to our home page, to publications or to other website information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.
3. We may consider and approve in our sole discretion other link requests from the following types of organizations:
commonly-known consumer and/or business information sources such as Chambers of Commerce, American Automobile Association, AARP and Consumers Union;
dot.com community sites;
associations or other groups representing charities, including charity giving sites, online directory distributors;
internet portals;
accounting, law and consulting firms whose primary clients are businesses; and
educational institutions and trade associations.
We will approve link requests from these organizations if we determine that: (a) the link would not reflect unfavorably on us or our accredited businesses (for example, trade associations or other organizations representing inherently suspect types of business, such as work-at-home opportunities, shall not be allowed to link); (b) the organization does not have an unsatisfactory record with us; (c) the benefit to us from the visibility associated with the hyperlink outweighs the absence of the hyperlink; and (d) where the link is in the context of general resource information or is otherwise consistent with editorial content in a newsletter or similar product furthering the mission of the organization.
If you are among the organizations listed in paragraph 2 above and are interested in linking to our website, you must notify us by sending an e-mail to hello@smarthomelending.com. Please include your name, your organization name, contact information (such as a phone number and/or e-mail address) as well as the URL of your site, a list of any URLs from which you intend to link to our website, and a list of the URL(s) on our site to which you would like to link. Allow 2-3 weeks for a response.
Approved organizations may hyperlink to our website as follows:
By use of our corporate name; or
By use of the uniform resource locator (Web address) being linked to; or
By use of any other description of our Website or material being linked to that makes sense within the context and format of content on the linking party’s site.
No use of Smart Home Lending’s logo or other artwork will be allowed for linking absent a trademark license agreement.
iFrames
Without prior approval and express written permission, you may not create frames around our Web pages or use other techniques that alter in any way the visual presentation or appearance of our website.
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.
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.
Content Liability
We are not responsible for any content that appears on third-party websites that link to or from our website. You agree to protect and defend us against all claims arising out of or based upon content on any website you operate that links to our website. No link(s) may appear on any website that may be interpreted as libelous, obscene, or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third-party rights.
Indemnification
You agree to indemnify, defend, and hold harmless Smart Home Lending, LLC and its officers, directors, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or in any way connected with your access to or use of this website or your violation of these terms and conditions or applicable law.
Reservation of Rights
We reserve the right to request that you remove all links or any particular link to our website, and you agree to immediately remove such links upon request. We also reserve the right to amend our linking policy at any time. By continuing to link to our website, you agree to be bound by and follow these linking terms and conditions. If you find any link on our website that is offensive for any reason, you are free to contact and inform us at any time, and we will consider requests to remove links, though we are not obligated to do so.
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. Smart Home Lending, LLC will not share your opt-in with third parties. Message frequency may vary. Reply STOP to end or HELP for help. You will not be enrolled in a “mailing list” when you subscribe to this service.
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. Supported carriers include major U.S. wireless carriers, including AT&T, T-Mobile, and Verizon, among others. Carriers are not liable for delayed or undelivered messages.
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.
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 | Kansas License #2140357 | Missouri License #2317619 | Equal Housing Lender
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.
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 originate home loans in Kansas, Missouri, Colorado, Iowa, Minnesota, Arkansas, Oklahoma, Texas, and Florida. 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.