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Last Updated: 08/08/2025

Smartfi Home Loans

from Smartfi LLC

Last Updated: 08/08/2025

Smartfi LLC logo
Rating not yet determined1 total votes
1 users recommend
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Amount Range

Up to $4,000,000

Margin Rate

N/A

Origination Fee ($)

N/A

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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.
  • Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Smartfi Home Loans.

Smartfi Home Loans Pros & Cons

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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

3636 Nobel Dr
San Diego, CA 92122
Visit Site

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

Other Services by Smartfi LLC

SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

+100

-1000+100
No one recommends
Everyone recommends
The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

Smartfi Home Loans Community Reviews

Would you recommend Smartfi Home Loans to your friends?

RM

Rachel M.

Jul 29, 2025

May or may not recommend

They make the loan process seamless and predictable. It's so great seeing a company that still puts their customers first!

Showing 1 of 1 reviews

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