Flexible access to your home equity
Smart Mortgages are considered investor loans for high income earners with high FICOs. They are first lien HELOCs combined with checking accounts.
Loan balances are calculated daily to immediately reduce principal and interest payments. Borrowers can immediately access equity without refinancing.
What to know
“Smart mortgage” can describe different lender programs. We will define the exact product, payment structure, costs, risks and eligibility before recommending any option.
Start with a conversation
Tell me where the property is, how you plan to use it and what you want the loan to accomplish. I can help you understand which details lenders will review and compare available paths.
What is smart mortgages and savings calculator?
A smart mortgage is not one standardized loan type. Ask which lender program and terms are being proposed.