Smart Choice Mortgage is a full-service mortgage banking company committed to developing and nurturing relationships with REALTORS®, home builders and our customers. As a company, our Core Values define what we stand for and represent our commitment to each other and to our customers. These values are reflected in our actions and form the foundation of how we build and maintain all of our relationships.
We are a customer-centric organization, committed to being sensitive and responsive to the individual needs of our valued employees, home-builder partners, REALTORS® and our customers.
We have a passion for excellence and we take personal responsibility for our own actions and the positive financial results of Smart Choice Mortgage
We do what we say we will do, earning the trust and loyalty of both our customers and our colleagues. Our relationships are based upon ethics, integrity, mutual respect and fairness in all our dealings.
We have great confidence and trust in the capabilities and intentions of our employees. We work together to do what is best for our customers, the organization and for each other.
Our Mission at Smart Choice Mortgage is to provide exemplary service on each mortgage transaction to our valued business partners, borrowers and fellow associates. We strive to be a mortgage origination company focused on the core values of integrity, ethics, financial responsibility, regulatory compliance and sound underwriting standards. We aim to hire talented industry professionals and provide a work environment and culture that both inspires and rewards. Our goal is to be nimble, decisive and to embrace the ever changing demands of both the mortgage and home-building industries. We encourage our associates to maintain a healthy balance between family and workplace, and to be actively involved in the communities we serve.
Our commitment to service is more than just words—it is action.
When you apply for a home loan at Smart Choice Mortgage, you can expect a pleasant experience with dependable information and timely follow-up. We take pride in providing not just a better mortgage, but a better mortgage experience.
As your builder’s lender, we adhere to the same high standards of service and performance in financing your home that went into building your home. At Smart Choice Mortgage, you can expect:
Total access to a mortgage loan expert who can answer your questions
Complete control of the transaction from application to close (in-house underwriting means we are the decision makers)
Timely funding of your loan (we disburse our own funds, so there are no delays)
We will conduct ourselves with honesty and integrity in every action and transaction
All mortgage loans by Smart Choice Mortgage, LLC loan originators are expected to meet our rigid 30/10/7/3 standards policy. The following outlines the minimum requirements for the origination and processing of loans. Remember, we are working hard to always meet your anticipated closing date!
30 days from loan application – All loans credit approved
10 business days before closing – Submit final conditions to Underwriting
7 business days before closing – All loans receive final approval and are sent to closing
3 business days before closing – All documents are sent to the title company or closing agent
We make the home loan process as simple as possible.