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Get a Quote & Our Free Guide

With over 100 years of mortgage experience, a committed to transparency, and a personal and thoughtful approach, Smartfi Home Loans, LLC is the best place to find you the right mortgage.

Interested in learning more and seeing how much cash out you can get with a reverse mortgage? Fill out the form below for our free Reverse Mortgage Guide and to get in touch with a Smartfi specialist!

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Experience The Smartfi Difference

Our Smartfi specialists have the experience you need to get the most out of your home. We can help you get an FHA Home Equity Conversion Mortgage (HECM) or Choice Jumbo Reverse Mortgage, so you can put cash into your pocket. Our specialists are experts on conventional and reverse mortgages, so they can get you into the right mortgage and answer all of your questions.

Find out how Smartfi Home Loans, LLC can help you reach your goals today.

Over 100 years of experience
Provide transparency & always put you first
Free, no obligation consultation
Your Mortgage Options
FHA HECM

A  Home Equity Conversion Mortgage (HECM) is the most common reverse mortgage and is insured by the FHA. Funds from a HECM can be distributed in the form of a lump sum, monthly payments, a line of credit, or a combination. It requires borrower counseling and mortgage insurance and currently has a lending limit of up to $970,800.

Can be used to eliminate required monthly mortgage payments*
Can be used to purchase or refinance
Has lending limits up to $970,800
Is a non-recourse loan
Minimum age 62**
Smartfi Proprietary Choice

The Smartfi Choice is a great option for borrowers whose needs, or qualifications, don’t quite fit the HECM design. With the Smartfi Choice reverse mortgage, borrowers can be lent up to $4,000,000, have no upfront mortgage insurance premium, receive all loan proceeds at close, and can qualify for the reverse mortgage at age 60**.

Can be used to eliminate required monthly mortgage payments*
Can be used to purchase or refinance
Has lending limits up to $4,000,000
Is a non-recourse loan
Minimum age 60**
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*Borrower must pay property taxes, insurance, HOA fees and maintain the property.
**Age requirements differ by product and state.

By clicking “Get My Guide” you are providing your signature and express “written” consent to be contacted by or behalf of Smartfi Home Loans LLC, its affiliates and/or its agents (collectively Company) at the telephone, email or mailing address that you have provided for purposes of fulfilling this inquiry about mortgage loan options and/or the Company’s products or services, even if you have previously registered on a “do not call” government registry or requested the Company to not send marketing information to you by email and/or direct mail. You agree that the Company may use automatic telephone dialing systems and prerecorded voice messaging in connection with calls or texts made to the telephone number you provide even if the telephone number is assigned to a cellular or mobile telephone service or other service for which the called party is charged. You understand that you are not required to consent to receiving autodialed calls or texts as a condition of any mortgage loans and/or purchasing any Company products or services. If you do not wish to authorize the Company to contact you in this manner, you can call 877-607-8815 to complete your request. You understand that you can revoke this consent at any time.

2022 Smartfi Home Loans LLC (In Ohio only, does business under the trade name Bankers Guarantee Mortgage Company), Company NMLS 1862952

These materials are not from, and have not been approved by, HUD, FHA, or any government agency. Subject to Credit Approval. For licensing information, go to: NMLS Consumer Access  Terms of Use  Privacy Policy   ADA Accessibility

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