Refinance - USDA Home Loans

Get Fast Refinance Quotes

Thousands of consumers across the United States are refinancing while you read this. Securing the right home loan doesn’t have to be hard, we have solutions for lower rates, shortening terms, debt consolidation, and cash out refinance. We encourage consumers to compare our rates and no closing cost options with banks, lenders and credit unions. We simplify the refinancing challenges presented by 2022 mortgage guidelines. At USDAruralmortgage.com, our mission is to get you approved for a new mortgage with a low rate and even lower payment. When it’s time to qualify, our highly trained specialists will work with you closely on an individual basis to:

Find the lowest rate.
Find low or NO closing costs.
Close in 11 – 20 days.
Secure a payment that makes sense.

Click to Start your Refinance

Questions Call: 888-416-4805

Working around Credit Issues with Top Rated Specialists

The USDA Mortgage team is celebrating its 24th year in business. Our experience allows for consumer mortgage confidence especially with low rate refinancing options. We navigate consumers through the mortgage process, explain options and find what choice works best for you. We specialize in a variety of refinance programs. Including streamline refinancing, rate and term, debt consolidation, and cash out options.

My wife and I had the pleasure of being assigned to Ryan Sr. Loan Officer. He was polite, patient, professional and most importantly prepared throughout whole process. Ryan crunched numbers with impressive accuracy, explained documents line by line when we had questions and let us know what to expect so there wouldn’t be any surprises. Ryan is very knowledgeable and had no problem answering questions and sharing very important details which made us feel good about picking Smart Mortgage. Thank you Ryan for all your help and advice.

Frank & Anna

We applied with other lenders but had been turned down, but Smart mortgage worked with us so we can have our dream home! Our lender Jon, walked us through the process and was very helpful in answering questions promptly. He made the process easy for us. Jon always kept in daily communication with us, so there were no surprises! He made himself available anytime…..even when he was on vacation! The online submission of documents was very easy. Overall we think Smart Mortgage is an excellent company willing to work with people with blemished credit and give them the opportunity to live their dream of home ownership.

Wesley C

We worked with Brian who picked up our loan after our original broker quit working with us. I’ve never seen a more determined, hard working, and dedicated broker in action! Brian was amazing! We could write a book about our experience, bottom line… I wouldn’t work with anyone else or refer to anyone else. He gets it done!

Desi M

I highly recommend working with Jon for a home loan product. He handled our jumbo loan with the highest integrity and detail. In particular, he helped navigate the legal details associated with our land trust. Our experience was exceptional and will work with Jon in the future.

Erik H

I highly recommend choosing Brian as your Mortgage guy to make sure you get the house you want. He will make sure everything is done and not only in a timely manner but it gets done correctly. Your closing will go so smooth and there are no surprises with Him! He will be with you from beginning till the End! You will not be disappointed with his service!

Annie P

Anthony exceeded our expectations in all aspects,going above and beyond he kept us in the loop throughout the whole process and in finding us ways to keep our final expenses as low as possible I feel we got the best deal we could have. We are very happy with our choice.

Debbie S

Anthony was great to work with and was very thorough with explaining the whole process. He was a huge help with any questions we had. Will definitely recommend to friends and family.

Sergio V

Worked with Jon on a refi and it was terrific. My situation was a little bit complicated based on a few moving parts, however, the process went very smooth and all my options were clearly explained as we went along. I’m very pleased with the outcome.

John C

Very impressed. Jon walked me thru a difficult refi of 2 properties simultaneously. Always a quick response to any of my concerns. Would definitely recommend working with them.

Sue S

The very first time I spoke with Patty on the phone, I knew I would work with her to find my mortgage. Patty has a calm and confident approach to her work that illustrates her knowledge of the industry, The counsel she provided helped position me in a favorable position to buy my dream home. I would definitely recommend Patty to family and friends, and look to work with her again in the future.

Chris C

Refinance to a Lower Rate

Get Pre-Qualified Now

Refinance Benefits

Pay off High Interest Debt
Shorten Terms from 30 to 15 Years
Get Cash Out
Find a Lower Rate
Find a Lower Payment
Wholesale Refinance Rates

Find your Low Rate Refinance Now 888-416-4805.

Get Fast Refinance Quotes

Working around Credit Issues with Top Rated Specialists

Refinance to a Lower Rate

Get Pre-Qualified Now

Refinance Benefits

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