Our staff is an award-winning elite team of VA specialists with over 19 years of experience here to support you. We’re aware there are many places to get a VA mortgage. Yet, the majority of online lenders operate large call centers with loan officers who have questionable experience and often charge expensive origination fees. At the same time, most of the local loan officers originate a wide range of loan products and they don’t specialize in any of them.
This is what makes us different. We love what we do and working with veterans and their families. I encourage you to apply with us today and let our family help yours.
We have some of the lowest VA rates in the county.
We do not charge the customary 1% origination fee like the competition.
19+ Years of Service
We have over 19 years of working with veterans.
We're a Direct VA Lender
We close VA loans in all 50 states.
What our customers are saying
My mortgage loan officer was Mr. Klenda, and this is the 4th time his team has helped me in the past three years. In fact, his team's customer service, professionalism, and candor are reasons I've recently referred him to my daughter and son-in-law to assist the w/their mortgage needs. The company does not make the person, but the person makes the company, and I will follow Josh all over the United States for my mortgage needs.
Darrell N.4 time veteran client
I have used Josh Klenda @ Smartvaloans now 4 times, and every time has been awesome! I made two loan refinances and one home purchase; Josh's team gets it done and is with you all the way through the process! Thank you, Josh, I cannot say enough positive things and have already mentioned your name to all of my friends who may be VA eligible. Thanks for a great job, as always!
Troy R4 time veteran client
Josh's team did a fantastic job for us. He was always extremely proactive and responsive to any calls. He was very professional and knowledgeable about the entire process and also knew several contacts at the VA, which proved invaluable for our circumstances. Overall, Josh spent a lot of time on our case and went the extra mile. He was a pleasure to work with and has a nice way about him but at the same time is a true professional. We are pleased we went with smartvaloans.
Nancy Fveteran client and re/max agent
Prequalify for your VA Home Loan
Within a few minutes, determine your purchasing buying power or request a refinance quote.