Kansas
Missouri
Colorado
Iowa
Florida
Oklahoma
Minnesota
Arkansas
Texas
Illinois
We shop 100+ wholesale lenders on every file, so your buyers compete with stronger numbers and your offers get taken seriously. You win more bids without asking anyone to stretch.
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Send us your first buyer
Build something that lasts
How do I partner with Smart Home Lending as a real estate agent?
Start with a conversation with founder Taylor Hartley. There's no paperwork, no contract, and no formal commitment. Most agents simply introduce one buyer and evaluate how the file is handled. Smart Home Lending partners with producing agents across Kansas City and the 9 states where it's licensed.
What makes Smart Home Lending different from a retail bank for my buyers?
Smart Home Lending is an independent mortgage broker, not a bank. It shops 100+ wholesale lenders on every file instead of selling one institution's products, which typically means lower rates, more program options, and stronger offers for your buyers.
How fast can my client get pre-approved?
Pre-approval typically takes 24 to 48 hours, and same-day is often possible when a buyer needs to write an offer. Each pre-approval letter reflects a reviewed file, so listing agents can take it seriously.
How quickly can Smart Home Lending close a purchase?
Most purchases close in 21 to 30 days. When a deal demands speed, faster is possible, and closing dates are treated as commitments, not estimates. If anything threatens the timeline, the agent hears about it early, never at the closing table.
Will I actually get updates during the transaction?
Yes, before you ask. Agents get proactive status updates at every milestone, fast replies, and an early flag if anything threatens the timeline. You will never learn about a problem from your client.
Do you pay referral fees to real estate agents?
No. RESPA prohibits paying for mortgage referrals, and Smart Home Lending doesn't work that way. Agents partner with us because files close on time and clients come back to them. That's the whole pitch.
Will you market to my clients after closing?
Your client stays your client. Post-close communication keeps Smart Home Lending top of mind for their next mortgage and reinforces your relationship. It never introduces them to another agent.
What states is Smart Home Lending licensed in?
Smart Home Lending (NMLS #2140357) is licensed in Kansas, Missouri, Colorado, Iowa, Minnesota, Arkansas, Oklahoma, Texas, and Florida, so out-of-state referrals in those markets can stay with the same lending team.
Do I have to commit to sending all my buyers?
No. There is no exclusivity agreement and no minimum. Most agents start by sending one buyer and judging the experience file by file. Send one file. We earn the second.
What loan programs can my clients access?
Every major program: conventional, FHA, VA, USDA, jumbo, plus options for harder-to-place buyers like bank statement loans for self-employed borrowers and DSCR loans for investors. Because Smart Home Lending brokers to 100+ wholesale lenders, your client isn't limited to one bank's menu.
Can you help buyers with tough files, like self-employed clients or credit issues?
Yes, this is where the broker model earns its keep. A file that one lender declines, another will price. With 100+ wholesale lenders, Smart Home Lending can often place self-employed borrowers, buyers with credit dings, and tight debt-to-income files that a single bank would turn away. If a deal can be saved, we find the path.
Will you call the listing agent to support my buyer's offer?
Yes. When your buyer writes an offer, Taylor Hartley will speak with the listing agent directly to vouch for the financing: the file is reviewed, the pre-approval is real, and the closing date will hold. In a multiple-offer situation, a lender who picks up the phone can be the difference.