Smart Mortgage - Mortgage Broker in Georgia & Florida
Expert Home Loan Solutions | FHA, VA, Conventional & More
Whether you're a first-time buyer or a seasoned homeowner, we stretch the boundaries to find the perfect mortgage solution for you. Get pre-approved today and start your journey home.
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Comprehensive Home Loan Programs in Georgia & Florida
Smart Mortgage LLC (NMLS 2722347) offers a wide range of mortgage loan programs to meet your unique financing needs in Georgia and Florida, from traditional home loans to specialized lending solutions.
FHA Loans
Low down payment options with flexible credit requirements for homebuyers
Conventional Loans
Traditional financing with competitive rates for qualified buyers
USDA Loans
Zero down payment rural housing loans for eligible properties
VA Loans
Exclusive benefits for veterans and active military with no down payment
Non-QM Loans
Alternative financing solutions for unique financial situations
ITIN Loans
Mortgage options for borrowers with Individual Taxpayer Identification Numbers
HELOC
Home Equity Line of Credit for flexible access to your home's equity
Home Equity Loans
Fixed-rate loans using your home equity for major expenses
DSCR Investor Loans
Debt Service Coverage Ratio loans designed for real estate investors
Choose Your Perfect Mortgage Program
Smart Mortgage LLC offers comprehensive solutions for every stage of your homeownership journey. Explore our programs and find the one that fits your needs.
First Time Homebuyer Program
Start your homeownership journey with programs designed specifically for first-time buyers, featuring competitive rates and lower down payment options.
Second Home Purchase
Ready to expand your real estate portfolio? Our second home programs offer flexible terms and competitive rates for your vacation or investment property.
Jumbo Loan Program
Financing luxury properties requires specialized expertise. Our jumbo loan program provides solutions for high-value homes with competitive terms.
Calculate Your Mortgage Payment
Use our mortgage calculator to estimate your monthly payments and see how different loan amounts, interest rates, and terms affect your budget. Get a clear picture of what you can afford before you start house hunting.
Monthly Payment Calculator
Loan Amount: Enter your desired home price minus down payment
Interest Rate: Current rates starting at competitive levels
Loan Term: Choose 15, 20, or 30-year options
Property Taxes & Insurance: Estimated based on location
Home Affordability Calculator
Annual Income: Your gross household income
Monthly Debts: Car payments, credit cards, student loans
Down Payment: Amount you can put down upfront
Credit Score: Affects your rate and loan options
Our Simple 4-Step Home Purchase Process
Getting your dream home doesn't have to be complicated. We've streamlined the mortgage process into four clear steps that take you from initial inquiry to closing day.
01
Fill Out the Application
Complete our simple online application in minutes. We'll gather your financial information to determine your loan options and buying power.
02
Get Your Approval
Receive your pre-approval letter showing sellers you're a qualified buyer. We'll work quickly to review your application and provide you with competitive loan options.
03
Find Your Dream Home
Start house hunting with confidence knowing exactly what you can afford. Your pre-approval letter strengthens your offer and shows sellers you're serious.
04
Close on Your Home
We'll guide you through the final steps to closing day. Our team handles the details so you can focus on moving into your new home.
Why Get Pre-Approved Before House Hunting?
Know Your Budget
By going through the pre-qualification process, you'll know exactly how much money a lender is willing to give you. This saves valuable time during your house search by eliminating homes outside your price range.
Strengthen Your Offer
Sellers want to know that a lender has already vetted you and will lend you the money. Without a pre-approval, you won't be able to submit a competitive offer on homes you love.
Fast & Easy Process
Getting pre-approved is quick—once you fill out a loan application, the lender will run your credit to determine what amount and rate you qualify for. Most pre-approvals are completed within 24-48 hours.
Frequently Asked Questions
What is a pre-qualification?
The first step in the home-buying process is to get pre-approved, which is a statement of how much money the lender is willing to let you borrow to pay for a home.
What's required to get pre-approved?
To get pre-approved for a home loan, you will need to provide the lender your financial information such as your income, debt, and undergo a credit check.
How can I find out my credit score?
Once a year, you are entitled to a free copy of your credit score from all the major credit bureaus. To obtain your free credit report visit www.annualcreditreport.com
Do I need to get a loan before I find a home?
By going through the pre-qualify process you will know how much money a lender is willing to give you—saving time during your house search by eliminating the homes out of your price range.
Why should I get pre-approved now?
If you are searching for homes, sellers want to know that a lender has already vetted you and will lend you the money. If you find a home you like, you will not be able to submit an offer without a pre-qualify.
How quickly can I get pre-approved?
Getting pre-approved is a quick process—once you fill out a loan application the lender will need to run your credit to determine what amount and rate you can qualify for.
Ready to Get Started? Receive Your Pre-Qualification Certificate
A Quick & Easy Tool to Find Out What You May Qualify For
Our streamlined pre-qualification process takes just minutes to complete. You'll receive an instant certificate showing your estimated buying power, helping you start your home search with confidence.
No obligation, no impact to your credit score—just clear answers about your mortgage options. Get started today and take the first step toward homeownership.
Mortgage Insights & Resources
Explore our comprehensive articles and guides to become a more informed homebuyer. From understanding market trends to optimizing your finances, we're here to help you every step of the way.
First-Time Homebuyer Tips
Navigate the exciting journey of buying your first home with our expert tips. Learn about down payments, closing costs, and essential steps to make your dream a reality.
Understanding Mortgage Rates
Demystify mortgage rates. Discover what influences them, how to lock in a good rate, and the impact of fixed vs. adjustable-rate options on your payments.
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Improve Your Credit Score
A strong credit score is key to better mortgage terms. Follow our practical advice to boost your creditworthiness and unlock more favorable lending opportunities.
VA Loan Benefits Explained
Explore the unique advantages of VA loans for eligible service members and veterans. Learn about no down payment options, competitive interest rates, and more.
Meet Your Mortgage Specialist
Sergio A Martinez
Mortgage Advisor • NMLS 2570167
Smart Mortgage LLC • NMLS 2722347
Have questions about your mortgage options? I'm here to help guide you through every step of the home financing process. With personalized service and expert knowledge, I'll work to find the best solution for your unique situation.
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Important Disclosures & Licensing Information

Smart Mortgage LLC is a licensed mortgage broker (NMLS ID 2722347), operating in Georgia and Florida. Main office: 2272 Floral Ridge Dr, Dacula, GA 30019. Phone: +1 (470) 431-5090.
We are an Equal Housing Opportunity broker and comply fully with the Equal Credit Opportunity Act (ECOA), Fair Housing Act, and all applicable federal and state regulations. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, receipt of public assistance, or exercise of any legal right.
All information provided on this website is for informational purposes only and does not constitute a loan approval, rate lock, or a commitment to lend. Loan approvals are subject to underwriting requirements and individual qualification. Interest rates, loan terms, and program availability may change without notice.
Where mortgage terms (such as rates, payments, or fees) are advertised, the Annual Percentage Rate (APR) and conditions of offers will be disclosed as required by law. Please consult directly with a licensed mortgage professional to verify loan terms and regulatory details.
Please see our Privacy Policy for details on how we collect, use, store, and protect your information, in accordance with the Gramm-Leach-Bliley Act (GLBA).
Smart Mortgage LLC services are subject to Georgia and Florida consumer protection laws and licensing requirements. For questions or concerns, contact the Georgia Department of Banking and Finance or the Florida Office of Financial Regulation.
For more information, contact Smart Mortgage LLC at +1 (470) 431-5090. Always verify details with a licensed mortgage professional.

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