Thousands of consumers across Florida are ready for home ownership.  Securing the right home loan doesn’t have to be hard, we have solutions for less than perfect credit and even those with little savings or down payment. To help home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates.  We simplify the home buying and refinancing challenges presented by 2022 mortgage guidelines. At Smart Mortgage, our mission is to get you approved for a Florida FHA mortgage and into your home with payments you can afford. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:

• Review your finances to find a payment you can afford.
• Improve your credit score if needed to qualify.
• Obtain pre-approval to shop for a Florida FHA Eligible Home.
• Secure a loan and purchase your new home!

The Florida FHA Mortgage team is celebrating its 24th year in business.  Our experience allows for consumer mortgage confidence especially with first time home buyers.  We navigate consumers through the mortgage process,  explain options and find what choice works best for you. We specialize in all types of NO money down programs.  Check out the 2022 government programs we have to offer.