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Homeowners | Wholesale | (877) 816-6706

Smartfi Home Loans

  • Who We Are
    • Our Mission
    • What Makes Us Different
    • Why Our Partners Choose Us
  • Loan Solutions
    • FHA HECM
    • Smartfi Choice
    • Reverse for Purchase
    • ROSS Concierge Service
  • Take Action
    • Get Reverse Education
    • Calculate a Scenario
    • Get Approved
    • Contact Us
  • Partner Portal
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Let's Empower Senior Homeowners

Partner with Smartfi® to offer tailored
home lending solutions to American seniors.
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Our Mission

Our mission is to open the door for our partners to put every American senior in a position to succeed in retirement, through the activation of their home equity. We pursue this by providing our partners with innovative home lending solutions, user-friendly technology, continual education, marketing support, and exceptional customer service.

Hitting The Target
Our Missions Align
Established in 1911
Serving 40+ States and Counting
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150+ years of mortgage industry experience
At Smartfi Home Loans, we take the thoughtful approach to lending.
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PARTNER WITH THE EXPERT

Grow your business with Smartfi's innovative solutions and expertise by your side.

Explore a Partnership
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San Diego HQ
3636 Nobel Dr.
Suite 210
San Diego, CA 92122
Medina Office
1113 Medina Road
Suite 400
Medina, OH 44256
Contact Wholesale
(877) 816-6706
help@smartfihomeloans.com

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This site and the information on it is intended for industry professionals only. It is not intended for consumers.

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.

*Borrower must pay property taxes, insurance, any HOA fees and maintain the property.

** Age requirements differ by product and state.

Copyright © 2025 Smartfi Home Loans, LLC Wholesale. All Rights Reserved. Developed by TinyFrog Technologies.

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Social Media Content


Social Content Overview

Social Media Content

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Reverse Mortgage Guide – Digital


Reverse Mortgage Digital Guide Overview

Reverse Mortgage Guide Digital

Trifolds


Choice for Condos

Choice vs. HECM

HECM for Purchase

Real Reverse Possibilities

Reverse for Condos

Why Reverse

All Trifolds

Reverse Mortgage Guide – Print


Reverse Mortgage Print Guide Overview

Reverse Mortgage Guide for Print – Booklet Format

Reverse Mortgage Guide for Print – Single Page Format

Presentations


An Introduction to Reverse Mortgages

Reverse for Purchase Presentation

Fillable Flyers


Choice for Condos

Choice vs. HECM

Consumer Safeguards

HECM for Purchase

Loan Products Comparison

Mythbusters

Open House Flyer

Real Reverse Possibilities

Reverse for Condos

Why Reverse

All Flyers

Mailers


Non-QM 8.5×11 Mailer for No Window Envelope

Non-QM 8.5×11 Mailer for Window Envelope

Why Reverse 9×6 Postcard – No Crop Marks

Why Reverse 9×6 Postcard – With Crop Marks

Email Templates


FOR GMAIL

Instructions to Use Email Marketing Content for Gmail

How to Use Your Home to Free Up Cash

You’ve Invested in Your Home. Let It Invest in You.

FOR OUTLOOK

Instructions to Use Email Marketing Content for Outlook

How to Use Your Home to Free Up Cash

You’ve Invested in Your Home. Let It Invest in You.

Choice Docs


Choice Condo Questionnaire

Choice Lending Guidelines

Choice Minimum Age by State

Choice Submission Checklist

HECM Counseling Acceptance for Choice Product

Smartfi Wholesale Lending Map

Lending Guides


Choice Lending Guidelines

HECM Lending Guidelines

Sales Tools


Mortgage Intake Script

The ARPs

The Intake

The Plan

The Play

The Structure of a Proper Follow Up

Job Aids


Borrower Asset Types Guide

Extenuating Circumstances Guide

HECM for Purchase (What to Know)

Income Job Aid

Manufactured Homes

Non-Borrowing Spouse Job Aid

Power of Attorney Job Aid

Self Employed Job Aid

Checklists & Forms


Appraisal Reconsideration Request Form

Choice Condo Questionnaire

Choice Submission Checklist

Closing Request Lock Form

HECM Counseling Acceptance for Choice Product Form

HECM Submission Checklist

HOI Questionnaire

Info Needed for Application

Reverse Mortgage Property Questions

Smartfi Info & Guides


HECM Servicing Guide

ROV Process Partner Notice 2024-01

Smartfi Choice Minimum Age by State

Smartfi Mortgagee Clause

Smartfi Wholesale Lending Map

Webinar Recordings


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Product & Market

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Lead Gen

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Guest Speakers

Submit a Training Request




Product & Marketing Training Videos


An Introduction to Reverse Mortgages

How a Reverse Mortgage Works After the Borrower’s Death

How to Edit the Open House Flyer in Canva

How to Edit Word Doc Mailer & Use Mail Merge

How to Price a Loan with Smartfi

Contact Wholesale Team


Get a Free Personalized Quote

Get Your Free Reverse Mortgage Guide


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Choice Submission Checklist

HECM Submission Checklist

Job Aids

BORROWER ASSET TYPES

EXTENUATING CIRCUMSTANCES

INCOME JOB AID

Notices

PARTNER NOTICE 2022-01

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