Smartloan

Mortgage Broker serving Fair Oaks, CA

About Smartloan

Smart Loan, led by owner Shane Welch and based in Fair Oaks, CA, operates as a dedicated mortgage broker focused on simplifying the home financing process. The company prides itself on partnering with a network of mortgage lenders who share a commitment to fast, simple, and secure loan applications, aiming to alleviate the stress often associated with obtaining a mortgage.

Smart Loan's services span a wide array of residential lending solutions, including conventional, FHA, VA, and USDA loans, as well as specialized options like non-conforming and jumbo mortgages. They cater to a diverse clientele, from first-time homebuyers navigating the market to self-employed individuals and those looking to refinance, renew existing mortgages, or consolidate debt using their home equity. They also provide support for clients seeking to improve their credit for better financing opportunities.

The firm emphasizes personalized guidance throughout every step of the mortgage journey, ensuring clients are well-informed and supported. With a clear focus on client satisfaction, as evidenced by their 5-star client ratings, Smart Loan combines expert brokerage services with a client-centric approach to achieve brighter financial futures for homeowners.

Company Information

Lender Type: Mortgage Broker
Headquarters: Fair Oaks, CA

Licensed In

CA

Digital Capabilities

Online Application
Rate Calculator
Pre-Qualification Tool

Home Loan Products

Conventional & Conforming Mortgage Loans

Loan Types:
ConventionalRefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetired
Income Verification:
Full Documentation
Special Programs:
First-Time HomebuyerLow Down Payment Program
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)

Non-Conforming & Jumbo Mortgage Loans

Loan Types:
Non-QMJumboPortfolio
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full DocumentationBank Statement
Special Programs:
Self-Employed ProgramBank Statement Program
Credit Tiers:
Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
20%
Min Down Payment

Government-Backed Home Loans

Loan Types:
FHAVAUSDA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Manufactured/Mobile Home
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetired
Income Verification:
Full Documentation
Special Programs:
FHA 203kRenovation LoanVeteran Program
Credit Tiers:
Good (680-739)Fair (620-679)Poor (580-619)

Refinance & Home Equity Solutions

Loan Types:
RefinanceCash-Out RefinanceHELOCHome Equity Loan
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetired
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)

Reverse Mortgage Loans

Loan Types:
Reverse Mortgage
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family Home
Occupancy Types:
Primary Residence
Employment Types:
Retired
Income Verification:
Full Documentation
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)

Contact Information

Fax: 916-200-3306

Professional Licenses

NMLS ID: 1871426
7844 Madison Ave Suite 114
Fair Oaks, CA 95628
US
Mailing Address:
7844 Madison Ave, Suite 114, Fair Oaks, CA 95628

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Business Information

Category: Mortgage Broker
Location: Fair Oaks, CA
Status: Standard
Type: Mortgage Broker
NMLS ID: 1871426
Profile Views: 0

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