You know that your home isn’t just a place to live. Home is where you and your family come together, where love resides, memories are created, friends belong, and laughter never ends.
At Smart Choice Mortgage we understand that “home” is also an investment for you and your family’s future. That’s why we offer a wide variety of loan options to meet the unique needs of our customers. We understand selecting the right loan product can be overwhelming; however, our mortgage professionals will provide tailored advice to help you make the best decision for you and your family.
Adjustable-Rate Mortgage (ARM)
Conventional Mortgage Loans
Jumbo Mortgage Loans
GNMA (Ginnie Mae)
FNMA (Fannie Mae)
FHA* (Federal Housing Administration)
VA* (Veterans Affairs)
Texas Veteran Housing Assistance Program
USDA (United States Department of Agriculture) Rural Housing
First-Time Home Buyer Programs
Community Home Buyer Programs
Extended Lock Options
Forward Commitments Available Upon Request
Primary Residency, Second Home, and Investment Property
Mortgage Credit Certificate
Connect with one of our mortgage originators today to get started on your Home Sweet Home.
*Some mortgage loans are insured by the government.
VA LOANS: The VA guaranty helps to protect the lender (not the borrower) against loss if the borrower fails to repay the VA loan. Borrowers pay an upfront funding fee towards the VA guaranty. This guaranty enables a lender to provide loan options and benefits to military veterans and other qualified participants that may otherwise be unavailable through conventional financing.
FHA LOANS: FHA mortgage insurance protects the lender if a borrower defaults on the FHA loan. Each FHA borrower pays a mortgage insurance premium. The premiums are collected and used by the FHA to reimburse the lender (not the borrower) should the borrower default and the lender must foreclose upon the loan/sustain a loss. This insurance enables a lender to provide loan options and benefits often not available through conventional financing.
**Texas only at this time.