Conventional loans are mortgage loans offered by non-government sponsored lenders. These loan types include:
Fixed Rate Loans
Adjustable Rate Loans (ARMs)
Combination (Hybrid) Loans
Balloon Mortgages and Pledge Asset Loans
Jumbo / Construction Loans
Quality Service You Deserve
If you have any questions regarding our Conventional Loan Services, call Smart Mortgage today for more information or to schedule an appointment.
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Mon - Fri: 8:00am - 5:00pm
Weekends: By appointment
Everyone I dealt with at Smart Mortgage were polite, courteous, responsive, professional, and knowledgeable. I highly recommend them.
- Don Mudd. 1/25/2020
Travis was phenomenal to work with. Being self employed and getting a loan can prove to be very difficult. But not with travis and his team at smart mortgage. I was even able to close 2 days early.
I will definitely recommend anyone to them
- Dustin Cluff. 1/13/2020
"Painless". I said to Travis I don't have time for "BS" please make this as quick and painless as you can. Travis and The Smart Mtge Team delivered. "PAINLESS". As a BONUS He saved me Thousands quoted from a C. U. Thanks so much Travis, You're The Best!
- Willie Lass. 0/15/2020
Travis and his team have been so great, we have worked with them several times over the years. Wouldn't use anyone else!
- Jessica Hines. 11/29/2019
Travis and his team are very professional, organized, and are always available for questions. He's very knowledgeable and explains the process in great detail, and will find you the best deal for your situation. Because he's so organized, the process is incredibly smooth and the loan will close sooner than later. Even our realtor loved working with Travis, and said he would recommend him to other clients.
He treats you with respect and understanding because he wants what's best for his clients. We have now used him twice, and we will definitely use him for any more of our future home buying or refinancing needs!
- Jagjit Singh. 11/28/2019
VA mortgage, living out of state, spouse to continue residing out of state for just a few weeks before her transfer. Angela went the extra mile and kept pushing until she got the necessary paperwork from spouse's employer... Just in the nick of time! Travis spent extra time explaining rate locks and best mortgage choices. Our agent Peter Fife was awesome as usual. Just a great team to work with and I highly recommend them :-)
- Barbara Tye-Townsel. 11/4/2019
Best of the best.. 100%% Customer Service..
- Robert Blankenship. 9/31/2019
My husband and I just bought our first home using a VA loan. Travis and Deborah helped us every step of the way. They went above and beyond what I expected. My family is very grateful to have had the opportunity to with with them, and to now be in our new home.
- Stacey Michelitch. 8/13/2019
Travis and his team did a great job on our file. They worked efficiently to get things done and respect a very tight timeline. I have already referred them to friends and will continue to do. Whatever your situation they will definitely listen with an open mind.
- Nicolas Santini. 8/3/2019
I was in need of a reverse mortgage and decided to go to Smart Mortgage because they had helped a friend of mine that was struggling to keep us with her mortgage payments.
They (Travis and Deborah) made the process work for me and kept me informed and explained exactly what I needed to know. Deborah contacted me regularly and kept me up to date on the documentation I would need to submit to get the loan approved in a timely manner.
They are a great team and an honest company to work with and I was very happy that I had chosen them to help me.
- Sharon Christopherson. 7/29/2019
We worked with Travis at Smart Mortgage when purchasing our new home and were very pleased! Travis is very knowledgeable, professional and always had our best interest in mind! Smart Mortgage was thorough, organized and on top of things every step of the way! Due to the great service they provide we were able to close early on our home! We could not be happier with the service we received!
- Brendon Montierth. 7/2/2019
- Nathan Williamson. 5/21/2019
This company and the people (Travis and Deborah) that make Smart Mortgage so great is their ability to jump thru hoops for their clients and get the job done! OMG!!! .. I got my "reverse mortgage" loan approval today! OMG! Many thanks to Deborah and Travis! They are worth their weight in gold! Do not hesitate to call them if you are in need of a loan of any sort! They both go above the call of duty to "get er done"!!! Both are amazing people and a very hard working team.. they overcame hurdles that I thought were insurmountable! They cannot be beat! Thank you so very much to the both of you! I highly recommend SMART MORTGAGE for any of your borrowing needs !!
- Teona Leonte. 5/7/2019
Excellent team to work with, all the right answers and great communication A+ service
- Robert Normandin. 4/15/2019
Travis and Deborah were both very knowledgeable and attentive in addressing whatever questions and concerns I had along the way.
As the seller they helped me navigate selling my house on my own and gladly helped me with revisions to price and paperwork. They work well as a team and took the time to answer my questions and even offered solutions to potential issues I didn’t even know I could be facing.
Thank you again and I will definitely being referring friends and family to you for your outstanding services,
- Geoff Kusel. 4/14/2019
Smart mortgage made everything super simple and understandable! Any and all questions were answered honestly and they never lead me in the wrong direction. I would highly recommend using them!
- Jackie Wren. 3/29/2019
Smart Mortgage is so on the ball, they truly go above and beyond. They've saved us over a thousand dollars easy in closing costs and managed to obtain an extremely low interest rate saving us thousands in the long run! They're constantly one step ahead of the game. With each and every exchange they have been patient and friendly, creating a smooth experience in what could be a very stressful time. Travis Schultz and Deborah Stewart are great people to do business with, they know what they're doing. To sum it up: Smart Mortgage is an extremely smart choice!
- Chelsea Turner. 3/4/2019
Excellent experience. Lower rates than anywhere else I shopped. Travis would not stop searching until he found the lender that could suit our needs. Smoothest mortgage process I have had. Definitely will be a returning customer.
- Lauryn Victor. 2/29/2019
Reverse Mortgages can be confusing and daunting! Travis made the journey easy, navigating the rules, regulations and requirements understandible, with no surprises. We are so happy with the high level of Customer Service and Travis' knowledge of subject. Special thanks also to Deborah for her talents in keeping the process flowing! You'll be happy with YOUR Reverse Mortgage !
- Marsha Baker. 2/22/2019
Thank you, Smart Mortgage! Because of Travis, I was able to purchase my home is less than a month. I highly recommend Travis to anyone looking to get a mortgage loan. Professional, fast, and friendly!
- Danielle H. 10/1/2018
We just got our Reverse Mortgage with Smart Mortgage and it was such a easy process. We highly recommend Travis & his excellent staff at Smart Mortgage!
- Cris Longacre. 9/15/2018
Deborah and Travis made our loan fast and easy. Their direction on needed items from us was clear and complete. Great outfit!
- jerry bryant. 8/27/2018
Deborah and Travis were more than helpful to me and my family. I first started with a refinance on my home and they were able to close on that loan in a timely manner. Soon after an opportunity arised for me to purchase a second home and I was unsure if that was even a possibility. To my surprise Travis and Deborah made it happen for me. I really was amazed at how quickly they were able to get things done, and in a friendly and professional manner. I will definitely come to them again in the future, and would recomend them to anyone looking to get a loan, or multiple loans.
- alex martinez. 8/26/2018
Travis and Deborah are some of the most stunning people that I've had the oppotunity to work with. They were able to help me into a VA rate reduction loan in almost no time at all! No hassle, no headache. Every question, email and call was always answered in a delightful, quick manner. I will use them again and will refer them to my friends. Thanks!!!!
- Holly Cameron. 7/28/2018
Deborah and Travis worked with me on my FHA loan and they were amazing! They were quick to respond to my emails, and always picked up the phone when I called. They made a rather stressful process enjoyable and I am very appreciative of Smart Mortgage for that. Thank you!
- melanie wilhelm. 7/24/2018
We are so blessed to have found Travis and his team at Smart Mortgage! They jumped through hoops and loops to get us approved. Excellent communication throughout the process - we love our new home and highly recommend Smart Mortgage!
- Lisa Jentzen. 7/2/2018
Where extremely helpful and kind.
- Alexis Schenck. 5/5/2018
I enjoyed working with the team at Smart Mortgage. They were always so helpful, understanding, friendly, very timely, and they always had your back and will fight hard for you. I would highly recommending working with Smart Mortgage.
- Kimberly White. 4/29/2018
great people, great job. I could not be happier. thank you
- eric fairman. 3/24/2018
I have used Smart Mortgage for the pass several years......cannot say I have ever been disappointed......nor have my any of my clients..........they accomplished loans others were not able......Travis and Janell work extremely long & hard to earn the trust of their customers......very caring company!
- Steve Moran. 3/23/2018
Staff was prompt and professional and successfully has concluded two different types of loans for us. We will certainly use them again!!!
- Lee Bowman. 3/9/2018
Working with Travis was amazing. He carefully listened to all my needs and concerns and went above and beyond to get the best loan for me. Janell what a dream she is! Not only does she know her stuff but the care she takes every step of the way is truly amazing!! I must have called 3 times a day with nervous "am I doing this right" questions. She never once was short or put off and had no qualms with answering the same questions 10 times. Being a buyer without an agent was a lot to learn and take in Janell could not have done better by me. I LOVE THIS TEAM!! I will definitely recommend them to anyone & I will use them again and again my self. : )
- Val Patrick. 3/6/2018
Best Mortgage Company! Fast, Efficient and Knowledgeable!
- Erica Schultz. 2/30/2018
Smart Mortgage is the best! Travis and Janell couldn't be more accommodating and expedient. They are so easy to work with. I have used them twice and will not hesitate to go back to them for any and all my mortgage and home financing needs.
- Paula Gross. 2/14/2018
They were great to work with. Very friendly and efficient. I would recommend them highly.
- Eileen . 2/6/2018
Janell was great, made buying a snap!
- Nonlib Eral. 2/2/2018
We were very pleased with Janell and Travis' efforts to help us through this process! We highly recommend them!
- Janet & Ted Georgas. 11/27/2017
Travis and Janelle at Smart Mortgage really know their business and we will definitely recommend them to anyone considering a reverse mortgage, or purchasing property. They went above and beyond to make sure we understood everything and answered all our questions. They were by our side every step of the way. We rate them five stars.
- Cindy Weeks. 10/2/2017
I have used Travis at Smart Mortgage for 2 different new home loans and 1 refinance. Each of these transactions went smoothly and Travis was there each step of the way to guide me through the process and ensure that I got the best rate possible. It is also nice to work with a local hometown mortgage company that care about their clients.
- Rob Ladehoff. 7/14/2017
We closed on our Home last Feb-March 2016 and Smart Mortgage helped us through everything and got us a Loan that fit us perfectly! They went above and beyond for us to achieve our dream :) Thank you so much and we LOVE OUR HOME , Thanks to you !