Last Updated: 08/08/2025
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Highlights
Amount Range
Up to $4,000,000
Margin Rate
N/A
Origination Fee ($)
N/A
Smartfi Home Loans Review
Established in 1911 as Bankers Guarantee, Smartfi Home Loans' (NMLS #1862952) headquarters are in San Diego, CA and they are currently licensed in 11 states.
Key Takeaways
- High borrowing limits. Smartfi Home Loans offers reverse mortgages up to $4,000,000, making it a suitable option for high-value homes.
- Only primary residences are eligible. Smartfi Home Loans does not offer reverse mortgages for vacation or investment properties.
Smartfi Home Loans Pros & Cons
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Smartfi Home Loans FAQ
How much can you borrow with a reverse mortgage?
Reverse mortgages let older homeowners borrow using their home’s equity as security. Smartfi Home Loans allows a maximum loan amount of $4,000,000.
What is the estimated funding time for a reverse mortgage via Smartfi Home Loans?
Smartfi Home Loans typically approves applications in hour and funds loans within 15 to 45 days.
What fees does Smartfi Home Loans charge for a reverse mortgage?
Origination fee: Smartfi Home Loans may charge a fee .
What property types are eligible?
Smartfi Home Loans offers reverse mortgages on the following types of properties:
- Primary residence
Is Smartfi a legit company?
Smartfi was founded in 1911, it is a well-established company that has been in business for 115 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Hours of Operation
Sunday
Closed
Monday
5:00AM - 6:00PM
Tuesday
5:00AM - 6:00PM
Wednesday
5:00AM - 6:00PM
Thursday
5:00AM - 6:00PM
Friday
5:00AM - 6:00PM
Saturday
Closed