Our Reviews
What clients say about working with us
Focus on Customer Service and Trust
“The communication was excellent every step of the way. I felt confident and well-informed throughout the entire lending process. It’s great to work with a company that truly understands modern homes and their needs.”
Homeowner
Focus on Customer Service and Trust
“Taylor and Abby were extremely amazing to work with. Taylor definitely was able to get me the BEST rates out there and Abby was super connected to me and my loan and I felt like she was available any time I needed to connect. Made the experience feel very personable.”
Daniel Wakim
Homeowner
Focus on Customer Service and Trust
“Taylor and staff are excellent in providing a great service to those seeking a new mortgage.”
Dick Lawrenz
Homeowner
Focus on Customer Service and Trust
“Working with Taylor is always a great experience. He takes great care of my client’s and is readily available when I need something! Excellent communication, which I highly value!.”
Megan Mackey
Homeowner
Focus on Customer Service and Trust
“As a realtor working with Taylor and his team at Smart Home Lending has always been a great experience. They stay in contact throughout the process, return phone calls promptly and are always very professional. I would highly recommend them!”
Lorie Wilson
Homeowner
Focus on Customer Service and Trust
“Working with Taylor has been a great experience. He and his team are very proactive and helpful throughout the loan process. I have had several successful transaction with Smart Home Lending!”
Josh Kirk
Homeowner
Focus on Customer Service and Trust
“Great Loan Officer and takes really good care of clients!”
Allen Smith
Homeowner
Focus on Customer Service and Trust
“Nathan Coker and his team were extremely helpful and made the process of obtaining a fair mortgage a breeze. Would highly recommend him for anyone buying a home, first time or otherwise.”
Philip Conners
Homeowner
Focus on Customer Service and Trust
“Nothing slips through the cracks with Smart Home Lending, as details are always taken care of! Highly recommend!”
Don Ernst
Homeowner
No matter what your situation is, there is a home financing solution for you. We are ready to guide you through your options and get you the best deal possible!
Does renting or buying a home make more sense? Check out what is best for you by using our Rent vs Buy Calculator…
Our mortgage calculators are for demonstration purposes only and may not reflect actual numbers for your specific mortgage. Contact us and we will walk you through the best possible mortgage scenario for your specific needs!
Buying is cheaper than renting after
If you buy a house, after 3 years it will cost you $58 more per month and $5000 more in total than if you had rented.
But you will own in equity of your home with an appreciated value of .
If you buy a house, after 3 years you will have saved $58 per month and $5000 in total than if you had rented.
You will also own in equity of your home with an appreciated value of .
Buying will never be cheaper than renting
Home equity after
1 year years
TOTAL COSTYEARS
Costs over
Monthly Cost (after )Yearly Cost (after )Total Cost (after )
Rent
Buy
Difference
$0
$0
$0
Rent
Buy
Difference
$3,019
$92,453
$89,434
Rent
Buy
Difference
$3,019
$92,453
$89,434
Estimated Costs
These costs are estimated based on the information under the advanced section. You may adjust these values to suit your particular situation in order to get a more accurate estimate.
Monthly mortgage payments
$
Homeowner's insurance
$
Private Mortgage Insurance
$
HOA dues
$
Property tax
$
Home repairs
$
Renovations
$
Closing costs
$
Yearly rent increase
%
Rental insurance
$
How We Calculate the Costs
Calculating the Cost of RentingThe cost of renting is relatively straightforward to calculate. It primarily includes your monthly rent payments and a few additional expenses:
- Monthly rent payments
- Security deposit (typically equal to one month's rent)
- Renters insurance (annual premium)
- Down payment
- Closing costs (typically 2-5% of the home's value)
- Monthly mortgage payments (principal and interest)
- Property taxes
- Homeowners insurance
- Private Mortgage Insurance (PMI) if applicable
- HOA fees (if applicable)
- Maintenance and repairs
- Home improvements and renovations
- Annual home appreciation rate: %
- Annual rent increase: %
- Renters insurance: $ per year
- Home maintenance and repairs: % of home value per year
- Home improvements and renovations: % of home value per year
- Selling costs when you sell the home: % of home value
Smart Home Lending, LLC
NMLS #21440357
We work with over twenty lenders to negotiate you the lowest rate every time. Fast approvals, fast closings, low costs.
Find out why brokers are always better.
Our Team
