Experience Our Thoughtful Approach To Lending At Smartfi Home Loans, LLC., we know how much your home matters. That’s why we do everything we can to make your mortgage experience as pleasant as possible. From our knowledgeable and responsive team to our tailored loan options and competitive rates – we’re here to help you find the right mortgage for your individual needs. Reverse MortgageFHA Reverse MortgageHome Equity Conversion Mortgages (HECMs), insured by the Federal Housing Administration (FHA). Smartfi CHOICEOur Choice reverse mortgage is for borrowers with alternative income or higher home values. Purchase or RefinanceFixed Rate MortgageInterest Rate and payments remain the same for the entire term of the loan. FHAAn FHA loan provides a government-insured loan with flexible loan options. VAVA Loans offer flexible options as either fixed-rate or ARM mortgages.