Smartfi Home Loans, LLC Reviews 82

TrustScore 4.5 out of 5

4.7

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Review summary

Created with AI, based on recent reviews

Considering 71 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their knowledge, professionalism, and helpfulness, making the entire process smooth and efficient. Many people highlight the exceptional customer service, noting quick response times and a willingness to explain and assist at every stage. The company's service is frequently described as excellent, with consumers appreciating the uncomplicated underwriting and fast processing that leads to timely loan closures. However, some people mentioned issues with specific staff interactions, which led to frustration. A few other people also felt that the operations staff were not proactive and were slow to respond to emails when files needed to close, and some were asked to provide documents they had already submitted.

What people talk about most

Staff

Reviewers highlight positive aspects of staff, frequently praising their professionalism, knowledge, and... See more

Service

Reviewers mention positive feedback about service, highlighting the smooth, uncomplicated, and efficient... See more

Customer service

People report positive experiences with customer service, highlighting the helpfulness and responsiveness of... See more

Response time

Customers consistently note positive experiences with response times, highlighting prompt answers to... See more

User experience

Clients share positive opinions on user experience, consistently describing it as smooth, easy, and... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Smartfi was recommended to me by a fellow broker. So glad, we connected. First, my AE, Jonathan Ruiz is the absolute best. His knowledge, care and professionalism is superb. What all brokers w... See more

Company replied

Rated 5 out of 5 stars

Scott Clarke and Cathey Lowe are GREAT to work with on my proprietary loans. They are prompt to answer my questions and always take the time to explain and help whenever I need from pre-loan to post-l... See more

Rated 5 out of 5 stars

Faith Gates and Todd Lansbach are always amazing to work with as they assist in finding the solution and how to get across the finish line. Today's files seem to keep getting more challenging and it... See more

Company replied

Rated 5 out of 5 stars

My AE Todd Lansbach is great, always willing to jump in and help me try to figure out a way to make a deal work if it looks like it wont. The processors, Marie, Debbie and Isabel are always accom... See more

Company replied


Company details

  1. Mortgage Lender

About Smartfi Home Loans, LLC

Written by the company

Establishing our roots in 1911, Smartfi Home Loans, LLC, began as Bankers Guarantee in Ohio, with a mission to serve locals from the beginning of their mortgage loan, to the very end.

Under our new name, Smartfi Home Loans, LLC, we combine the experience and trust we’ve accumulated over the years with our tailored products and a streamlined platform to serve our partners and support American seniors.

With us, you’ll find knowledgeable and friendly experts who enjoy the process of helping our partners get their clients the right mortgage.

NMLS #1862952 | Equal Housing Lender

Smartfi Home Loans, a wholesale lender.


Contact info

4.7

Excellent

TrustScore 4.5 out of 5

82 reviews

5-star
4-star
3-star
2-star
1-star

Replied to 100% of negative reviews

Typically replies within 1 week

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Rated 5 out of 5 stars

Common sense is back!

These guys just get it! I love working with a company where relationships still matter. Jonathan and crew take the time to understand the client and always do what they say they will. What else is there?

10 November 2025
Unprompted review
Smartfi Home Loans, LLC logo

Reply from Smartfi Home Loans, LLC

Thank you for your review Anthony! We love working with you too.

Rated 5 out of 5 stars

Working with Jennifer Rodriguez and…

Working with Jennifer Rodriguez and Scott Clark was a real pleasure. Both of them were incredibly responsive and they made the process feel like working with a great team.

11 November 2025
Unprompted review
Smartfi Home Loans, LLC logo

Reply from Smartfi Home Loans, LLC

Hi Thomas, thank you for taking the time to leave us a review! We greatly value your feedback and partnership. We'll pass your kind words along to our team.

Rated 5 out of 5 stars

Amazingly smooth process for reserve mortgage!!

Scott and his team are awesome to work with.
They just helped me close a reverse mortgage in 20 days!

Amazingly smooth process for reserve mortgage!!

5 November 2025
Unprompted review
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Reply from Smartfi Home Loans, LLC

Audra, thank you for the review!! 20 days - WOW. We love hearing from our partners and will be passing along your kind words to our team.

Rated 5 out of 5 stars

Laurel and Faith were great to work…

Laurel and Faith were great to work with, knowledgeable and great communicators. So happy we got to work together, they made it super easy.

3 November 2025
Unprompted review
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Reply from Smartfi Home Loans, LLC

Thank you for leaving us a review, Luis! We will pass along your kind words to our team and are honored to be working with you.

Rated 5 out of 5 stars

Amazing Teamwork

Faith Gates and Todd Lansbach are always amazing to work with as they assist in finding the solution and how to get across the finish line. Today's files seem to keep getting more challenging and it truly takes teamwork and collaboration to get the job done. Faith and Todd go above and beyond and are truly appreciated.

3 November 2025
Unprompted review
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Reply from Smartfi Home Loans, LLC

Diane, thank you for taking the time to leave us a review! Our team is committed to finding solutions and making loans work for our partners and their clients. We are grateful to work with you and look forward to our continued partnership.

Rated 5 out of 5 stars

Great lender is as great as its Account…

Great lender is as great as its Account Executive vice versa. Diamond, the AE at SmartFi Home Loan, is the PERFECT fit in that puzzle. She made Ambassador Mortgage looks like a king during our Reverse Mortgage transaction! We deliver with confidence knowing the information received is accurate! JOB WELL DONE Diamond!

4 November 2025
Unprompted review
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Reply from Smartfi Home Loans, LLC

Hi Jude, thank you so much for your review!! We love Diamond and are thrilled to hear you do too! We look forwarding to helping you close more reverse mortgages in the future.

Rated 5 out of 5 stars

Every team member does what they are…

Every team member does what they are supposed to in a professional way to try to make the process as smooth as possible, which makes Smartfi easy to work with.

20 October 2025
Unprompted review
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Reply from Smartfi Home Loans, LLC

Thank you for taking the time to share your experience, Todd! We value our partnership and look forward to continuing to work with you.

Rated 5 out of 5 stars

Mike Nighbert and the team exceeded all…

Mike Nighbert and the team exceeded all expectations! I am a mortgage broker and Mike and SmartFi helped me and my reverse mortgage client every step of the way through processing and closing one of their proprietary reverse mortgage loan products. It helped the client save thousands of dollars a month and get into a far better financial position and the proprietary rules gave far more optionality than a HECM for this particular client. I look forward to working with Mike and SmartFi again ASAP.

19 September 2025
Unprompted review
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Reply from Smartfi Home Loans, LLC

Hi Garrett, thank you so much for your 5-star review! We love hearing about your experience with Mike and our team and we are happy to have helped your client with our proprietary reverse mortgage. We look forward to working with you again too.

Rated 1 out of 5 stars

my company has been a partner with this…

my company has been a partner with this company for several years I had a problem ordering a 2nd appraisal and was frustrated with having my client pay for another appraisal and I spoke to Jennifer Rodriguez and she took it personal that I had an attitude with this issue. She was immature and referred me to her manager as she thought I was rude I had my pricessor on the line Instead of diffusing the situation becasue I did not know this was required her manager called me and told me I was going to be deactivated she said we are a people first company not valuing partners that send them business her service stinks along with the account rep Mac (Mackenzie) Elliot I know a dog by the name of Mackenzie LOL Dont recommend this company

1 October 2025
Unprompted review
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Reply from Smartfi Home Loans, LLC

Thank you for taking the time to share your experience. We have reviewed the conversations and taken what we believe is the appropriate action.

Rated 5 out of 5 stars

Linda was a great person to work

Linda was a great person to work
With. She was always upbeat
About a process that takes a lot
Of info

1 October 2025
Unprompted review
Smartfi Home Loans, LLC logo

Reply from Smartfi Home Loans, LLC

Thank you so much for your review!

Rated 5 out of 5 stars

Great products and great service combined.

I've been working with Smartfi Home Loans for about 5 years and I am very satisfied with how knowledgeable and professional my representative is regarding their product line and reverse mortgages in general. The staff is very good at getting the loan to closing quickly and efficiently as well.

30 September 2025
Unprompted review
Smartfi Home Loans, LLC logo

Reply from Smartfi Home Loans, LLC

Thank you for taking the time to leave us a review! We greatly value your partnership and appreciate you sharing your experience.

Rated 1 out of 5 stars

I would not recommend this company to…

I would not recommend this company to anyone to do business with.

9 September 2025
Smartfi Home Loans, LLC logo

Reply from Smartfi Home Loans, LLC

Hi South, we are sorry to hear your experience with us was unsatisfactory. We are looking into it and will use the insights to better serve future clients.

Rated 4 out of 5 stars

I love working with SmartFi and Josh…

I love working with SmartFi and Josh Callison. My issues are more with the operations staff not being proactive and also not answering emails in a respectable amount of time when files are needing to close. Closing and funding have been great.

19 September 2025
Unprompted review
Smartfi Home Loans, LLC logo

Reply from Smartfi Home Loans, LLC

Thank you so much for your review! We seek to provide the best service at every touchpoint and value your feedback on it. We have shared this with our team and look forward to continuing to work together.

Rated 5 out of 5 stars

Rebekah was terrific

Rebekah was terrific, explained everything thoroughly and made it easy to understand. Very warm and friendly.

30 July 2025
Unprompted review
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Reply from Smartfi Home Loans, LLC

Hi Evonne! Thank you so much for your kind review. It was our pleasure to serve you.

Rated 5 out of 5 stars

Very easy process

Very easy process

9 September 2025
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Reply from Smartfi Home Loans, LLC

Thanks for sharing your experience, Bill! We're thrilled to hear that you found the process easy. Our team is dedicated to making things smooth for our clients. If you have any more feedback or questions, feel free to reach out anytime!

Rated 2 out of 5 stars

closings

I was asked several times to provide documents I had already provided.

I recently did a purchase transaction where I contacted the closing department advising them of the closing deadline, their response was," it's in line".

Closing purchase transactions should take priority over refinance transactions because of the closing deadlines imposed on purchase transactions by the Purchase Contract.


Closing instructions should be provided to the title agent at least 24 business hours prior to the closing date and time to allow time for the borrower to wire funds to close.

26 August 2025
Unprompted review
Smartfi Home Loans, LLC logo

Reply from Smartfi Home Loans, LLC

Thank you for taking the time to share your feedback. We understand how important timely communication and meeting closing dates are—especially with purchase transactions.

In this case, the loan came into closing the morning of Friday, 8/22/25, with a scheduled closing date of Tuesday, 8/26/25. Our team completed HUD review and sent closing documents on Monday, 8/25/25. Please note that HECM rate updates occur Monday afternoons and must be in place before final balancing can occur. Although we generally avoid Tuesday closings for this reason, we made the exception here to ensure the purchase transaction closed on time.

Although the team succeeded in meeting the tight timeline we clearly didn’t communicate as well as we strive to. Your feedback has helped make sure we’re more transparent going forward.

Rated 5 out of 5 stars

They are easy to contact and they call you back at once we have no problem or complaints very professional and they are highly recommended

They are very helpful and very knowledgeable very nice employees and highly recommend

8 July 2025
Unprompted review
Smartfi Home Loans, LLC logo

Reply from Smartfi Home Loans, LLC

Thank you, Reyno! We're thrilled to hear you had such a positive experience with our team. Your recommendation means a lot to us, and we're here to help whenever you need assistance!

Rated 5 out of 5 stars

Great service

7 August 2025
Unprompted review
Smartfi Home Loans, LLC logo

Reply from Smartfi Home Loans, LLC

Thank you for your kind words, Zayed! We’re thrilled to hear you had a great experience with us.

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