Realize Your Dream of Home Ownership

Welcome to Smart Home Loans, We are home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.

Welcome to the official site of . We are a full service mortgage company based in Ponte Vedra, FL. We specialize in Residental and Commerical Mortgages. We also serve the surrounding cities in Duval, St. Johns, Broward, Miami-Dade, Palm Beach Counties. Whether you are buying a home or refinancing in Florida, we can help you realize your dream of home ownership or save you money when getting your new lower monthly payment.

In terms of Purchase Loan programs, we offer the following:

FHA | VA | HomePath | Jumbo | Commercial | Conventional

Refinancing? We can help you with that, too!

We offer a wide range of refinance options, designed to best meet the needs of local borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs:

FHA Streamline | FHA Cash Out | FHA 203k | VA Streamline | VA Cash Out | USDA Streamline | Conventional | Commercial | Jumbo

What makes unique is that we offer the following niche programs as well: First Time Home Buyer, Foreclosure, Down payment Assistance, Credit Repair.

Contact today to discuss your mortgage loan options, and find out which loan program will best suit your needs.

Get Your Mortgage Questions Answered Today!