Smarter mortgages.
Simpler homeownership.
Competitive rates, pre-approval often issued the same day, and a team that actually picks up the phone. Now lending across Florida and Colorado — you can close in as little as 14 days.*
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.
- Designed for primary residences
- Flexible credit and gift fund options
- Great fit for newer buyers with limited cash to close
- Available for eligible service members and veterans
- No monthly mortgage insurance
- Strong option for purchases and refinances
- Primary, second home, and investment options
- Fixed and adjustable loan structures
- Useful for strong credit and stable income profiles
- Built for higher-balance purchase and refinance needs
- Options for strong income and asset profiles
- Helpful for coastal, luxury, and high-value markets
- Alternative documentation for complex income
- Useful for entrepreneurs and business owners
- Designed when traditional guidelines do not fit
- Rental income qualification for investment properties
- Options for short-term and long-term rental strategies
- Useful for investors building a portfolio
- Support for acquisition, refinance, and expansion
- Options for owner-occupied and investor scenarios
- Structured around property type, cash flow, and goals
- 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
- Access equity without replacing your first mortgage
- Flexible HELOC and fixed second mortgage options
- Alternative underwriting paths for unique borrower scenarios
From application to
keys in 14 days*.
-
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.
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.
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.
Why Smart Mortgage?
Smart Mortgage Solutions LLC is a licensed mortgage lender based in Boca Raton, Florida, now serving homebuyers, homeowners, real estate agents, and investors across Florida and Colorado. Established in 2021, Smart Mortgage has focused on making the mortgage process clearer, faster, and more strategic for every borrower we serve — and we're expanding to more states soon.
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.
Florida remains the heart of our business — we proudly serve borrowers throughout South Florida, Central Florida, and North Florida, from Boca Raton and Palm Beach County to Orlando, Tampa, Jacksonville, and beyond (see our Florida home loan guide). With our Colorado launch, we now bring that same approach to borrowers across the Centennial State. 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 in FL & CO
The difference
you'll feel.
We're not a faceless bank. We're a team that picks up the phone, explains every step, and fights to get your loan closed on time.
-
Tyler RosensteinPresidentNMLS #1849695 -
Rajib HassanVice PresidentNMLS #1847370 -
Charlie SimmonsBranch ManagerNMLS #2271521 -
Renuka Chaitoo-FlandersLoan OfficerNMLS #1500612
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 — close in as little as 14 days*
- ✓ Dedicated agent portal with real-time loan tracking
The numbers our
agent partners love.
The support loan
officers ask for.
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
What borrowers
and agents are saying.
Licensed in
Florida & Colorado.
From the Florida Panhandle to the Keys, and now across Colorado — with more states coming soon. Explore our Florida home loans → · Explore our Colorado home loans →