NOW LENDING ACROSS FLORIDA

Smarter mortgages.
Simpler homeownership.

Competitive rates, pre-approval often issued the same day, and a team that actually picks up the phone. From Miami to Jacksonville — our average close is 14 days.^*

Get Pre-Approved Calculate Payment

★★★★★

5.0 consistent reviews · Borrowers and Agents love us

Your Loan Match

Live

First-Time Buyer
FHA · Conventional · Down payment options
Match →

Veteran / Active Military

VA loans · 0% down options^*

Match →

Self-Employed Borrower

Bank statement · 1099 · Non-QM programs

Match →

Investor

DSCR · rental income qualification

Match →

Find the Right Loan Program →

Close in

14 Days^*

$500MM+

Total Loans Funded

1,000+

Families Served

97%

On-Time Close Rate

5.0★

Average Client Rating

Loan Programs

A loan built for
every situation.

Whether you're a first-time homebuyer, self-employed, a veteran, or scaling an investment portfolio - we have a program designed to fit.

FHA Loans

Flexible financing with down payments as low as 3.5%. The most popular path for first-time Florida homebuyers.

Designed for primary residences
Flexible credit and gift fund options
Great fit for newer buyers with limited cash to close

3.5% DOWN^*->

VA Loans

Zero down. No PMI. Exclusive benefits for veterans, active-duty military, and qualifying surviving spouses.

Available for eligible service members and veterans
No monthly mortgage insurance
Strong option for purchases and refinances

0% DOWN^*->

Conventional

Competitive fixed and adjustable options for qualified buyers. Lower PMI options and efficient closings.

Primary, second home, and investment options
Fixed and adjustable loan structures
Useful for strong credit and stable income profiles

FIXED & ARM->

Jumbo Loans

Financing for luxury Florida properties that exceed conventional conforming limits.

Built for higher-balance purchase and refinance needs
Options for strong income and asset profiles
Helpful for coastal, luxury, and high-value markets

HIGH BALANCE->

Non-QM Loans

Bank statement and alt-doc programs for self-employed borrowers, business owners, and 1099 earners.

Alternative documentation for complex income
Useful for entrepreneurs and business owners
Designed when traditional guidelines do not fit

ALT DOCS->

DSCR / Investment

Qualify on rental income, not personal income. Scale your Florida real estate portfolio with smart leverage.

Rental income qualification for investment properties
Options for short-term and long-term rental strategies
Useful for investors building a portfolio

RENTAL INCOME->

Commercial Loans

Financing options for business-purpose real estate, mixed-use properties, and income-producing commercial assets.

Support for acquisition, refinance, and expansion
Options for owner-occupied and investor scenarios
Structured around property type, cash flow, and goals

BUSINESS USE->

Private Money

Short-term capital for fix and flip, ground-up construction, bridge loans, and time-sensitive investment deals.

Built for speed, asset strength, and exit strategy
Fix and flip, bridge, and ground-up construction options
Useful when traditional financing is too slow or restrictive

FIX & FLIP->

2nd Mortgages

HELOC and HELOAN options with alternative underwriting for enhanced flexibility and closing speed.

Access equity without replacing your first mortgage
Flexible HELOC and fixed second mortgage options
Alternative underwriting paths for unique borrower scenarios

HELOC / HELOAN->

Schedule a consultation ->

Schedule a Consultation

Tell us a little about yourself and we'll reach out to discuss your mortgage goals.

The Process

From application to
keys in 14 days^*.

01

Apply in 10 minutes

Our streamlined application process takes about 10 minutes. Online or over the phone, no confusing jargon - just what we need to move fast.

02

Pre-approval often issued same day

Our team reviews your application and delivers a reliable pre-approval — often within hours. Walk into showings with confidence.

03

Find your home

Partner with your real estate agent armed with a solid pre-approval letter. We coordinate directly with them throughout the process.

04

Clear to close

Our straightforward underwriting process works swiftly to get you to closing day. We handle the complexity - you focus on moving in.

Your 14-Day Journey

Apply in 10 minutes

Quick online or by phone.
Pre-approval often issued same day

Often reviewed within hours.
Find your home

We coordinate with your agent.
Clear to close

Keys in hand - welcome home.

14 days, start to finish^*

Mortgage Calculator

Estimated payment
example.

Run the numbers instantly. Adjust price, down payment, and rate to see an example principal-and-interest payment for your budget. This is an educational tool — not a rate quote, Loan Estimate, or commitment to lend.

Home Price

Down Payment

3%20%40%

Interest Rate (illustrative)

4%6.74%10%

Loan Term

Est. Monthly Payment (example)

$2,937

Principal & interest only — excludes taxes, insurance, MI/MIP, HOA

Loan Amount$360,000

Down Payment$90,000 (20%)

Interest Rate6.74%

Loan Term30 Years

See what you qualify for ->

This calculator is an educational estimation tool only. It is not an advertisement under the Truth in Lending Act (Regulation Z), not an application or Loan Estimate under RESPA (Regulation X), not a quote, and not a commitment to lend. The rate field is illustrative; no Annual Percentage Rate (APR) is shown. The estimate excludes property taxes, hazard and flood insurance, mortgage insurance (PMI/MIP/funding fee), HOA dues, and any escrow items, so actual monthly payments will be higher. Actual rate, APR, and payment depend on credit, income, property, loan-to-value, and current market conditions. See Loan Programs & Assumptions for representative APR examples and required Regulation Z disclosures.

About Smart Mortgage

Why Smart Mortgage?

Smart Mortgage Solutions LLC is a licensed mortgage lender based in Boca Raton, Florida, serving homebuyers, homeowners, real estate agents, and investors across the state. Established in 2021, Smart Mortgage has focused on making the mortgage process clearer, faster, and more strategic for Florida borrowers.

Led by co-founders Tyler Rosenstein, NMLS #1849695 and Rajib Hassan, NMLS #1847370, Smart Mortgage Solutions helps clients compare loan options, understand their numbers, and choose financing that fits their goals. The company offers a wide range of mortgage programs, including FHA, VA, conventional, jumbo, commercial, reverse mortgage, Non-QM, bridge, purchase, refinance, construction and investment property loans.

Smart Mortgage proudly serves borrowers throughout South Florida, Central Florida, and North Florida — from Boca Raton and Palm Beach County to Orlando, Tampa, Jacksonville, and beyond. Whether you are buying your first home, refinancing, expanding your real estate portfolio, or helping a client get to the closing table, Smart Mortgage provides local guidance, transparent communication, and smart lending strategy from application to closing.

Smart Mortgage Solutions LLC | NMLS #2152851 | Boca Raton, Florida | Licensed Mortgage Lender

Meet our team ->

Why Smart Mortgage

The difference
you'll feel.

We're not a faceless bank. We're a Florida team that picks up the phone, explains every step, and fights to get your loan closed on time.

Tyler Rosenstein

President

NMLS #1849695
Rajib Hassan

Vice President

NMLS #1847370
Charlie Simmons

Branch Manager

NMLS #2271521
Renuka Chaitoo-Flanders

Loan Officer

NMLS #1500612

Rapid Closings

Our 14-day average close^* keeps deals alive and sellers happy. Speed is our competitive edge.14-day average.^*

Direct Access

Real loan officers. Real phone numbers. No call centers, no voicemail mazes, no runarounds.Real phone numbers.

Transparent Pricing

No hidden fees. No surprises at the closing table. What we quote is exactly what you pay.No hidden fees.

Florida Experts

We live and breathe Florida real estate. Our local market knowledge gives you a real edge.Local market edge.

Agent Partners

Built for real estate
professionals.

We treat your referrals with the highest level of service - with speed, communication, and professionalism that reflects well on you and your brand.

✓ Pre-approvals often issued the same day to hold up at the negotiation table
✓ Direct line to your loan officer - not a call center
✓ Regular status updates so you're never in the dark
✓ On-time closings backed by our 14-day average^*
✓ Dedicated agent portal with real-time loan tracking

Become a Partner Agent

The numbers our
agent partners love.

97%

On-time close rate

4hrs

Pre-approval avg

200+

Agent partners

24/7

Loan status access

The support loan
officers ask for.

Fast

File movement from submission to clear to close

Direct

Access to leadership, processing, and scenario help

More

Products for purchase, refinance, non-QM, and investor loans

Clean

A process built around communication and accountability

For Loan Officers

Grow your pipeline
without the friction.

A lending home for loan officers who want speed, product depth, responsive support, and a team that helps protect every borrower and referral relationship.

✓ Scenario support for complex borrowers, investors, self-employed clients, and non-QM files
✓ Responsive processing and clear file updates so nothing gets stuck in the dark
✓ Competitive programs across FHA, VA, conventional, jumbo, DSCR, and alt-doc loans
✓ Marketing-friendly tools and a brand experience borrowers and agents can trust
✓ A culture built around doing right by the client, the partner, and the file

Explore LO Opportunities

Explore LO Opportunities

Share a little about your production and what you want in your next lending home.

Client Stories

What borrowers
and agents are saying.

Service Area

Licensed across
all of Florida.

From the Panhandle to the Keys - if it's in Florida, we can close it.

Miami-DadeBoca RatonFort LauderdaleWest Palm BeachOrlandoTampaJacksonvilleNaplesSarasotaCape CoralSt. PetersburgGainesvilleTallahasseePensacolaKey West