10K+
Homeowners
Served
$10,662
Avg. Borrower
Savings vs. Retail
20+
Wholesale
Lenders
10K+
Homeowners
Served
Competitive rates, smooth closings, and proactive communication everything needed to get deals across the finish line.
Kansas
Missouri
Colorado
Lowa
Florida
Oklahoma
Minnesota
Arkansas
Texas
Five essentials in
every deal.
Offer Strength
We shop 20+ wholesale lenders on every file. Borrowers who use an independent broker save an average of $10,662 vs. retail. Your buyers walk in stronger and you walk in with a real edge.
Clear Updates
On-Time Closings
Agent Focus
Long-Term Trust
Agents don't keep using
a lender unless it works.
Working with Claryo brought clarity to decisions I had been postponing for months. The structure, insight, and accountability helped me move forward with confidence and measurable progress.
Michael Turner
Founder & Business Consultant
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Working with Claryo brought clarity to decisions I had been postponing for months. The structure, insight, and accountability helped me move forward with confidence and measurable progress.
Michael Turner
Founder & Business Consultant
Powered by
Working with Claryo brought clarity to decisions I had been postponing for months. The structure, insight, and accountability helped me move forward with confidence and measurable progress.
Michael Turner
Founder & Business Consultant
Powered by
Working with Claryo brought clarity to decisions I had been postponing for months. The structure, insight, and accountability helped me move forward with confidence and measurable progress.
Michael Turner
Founder & Business Consultant
Powered by
Working with Claryo brought clarity to decisions I had been postponing for months. The structure, insight, and accountability helped me move forward with confidence and measurable progress.
Michael Turner
Founder & Business Consultant
Powered by
Working with Claryo brought clarity to decisions I had been postponing for months. The structure, insight, and accountability helped me move forward with confidence and measurable progress.
Michael Turner
Founder & Business Consultant
Powered by
Working with Claryo brought clarity to decisions I had been postponing for months. The structure, insight, and accountability helped me move forward with confidence and measurable progress.
Michael Turner
Founder & Business Consultant
Powered by
Working with Claryo brought clarity to decisions I had been postponing for months. The structure, insight, and accountability helped me move forward with confidence and measurable progress.
Michael Turner
Founder & Business Consultant
Powered by
Who this is for in a
competitive market
This is not for everyone
You're the right fit if
This is not for agents adding a name to a vendor list
We partner with agents who want to build, not fill a slot
You're a producing agent who takes business seriously
Lost a deal (or client) because your lender didn't deliver
You want buyers who enter offers with rate confidence
You want a lender who operates like a pro, not a favor
Built for agents.
By someone who gets it.
Connect with Taylor
Send us your first buyer
Build something that lasts
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.