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Getting A Mortgage Shouldn't Be Complicated

Getting A Mortgage Shouldn't Be ComplicatedGetting A Mortgage Shouldn't Be ComplicatedGetting A Mortgage Shouldn't Be Complicated

You deserve a smooth loan experience. Start the application process and find out how easy it can be. 

I'm Purchasing
I'm Refinancing

(877) 665-5515

Getting A Mortgage Shouldn't Be Complicated

Getting A Mortgage Shouldn't Be ComplicatedGetting A Mortgage Shouldn't Be ComplicatedGetting A Mortgage Shouldn't Be Complicated

You deserve a smooth loan experience. Start the application process and find out how easy it can be. 

I'm Purchasing
I'm Refinancing

(877) 665-5515

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Buy

Find the perfect loan and get pre-approved today

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Refinance

Lower your interest rate or tap into your equity

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Calculators

Calculate monthly payment or max purchasing power

Featured Loan Programs

Bank Statement Loans

Physician/Medical Professional Loans

Physician/Medical Professional Loans

Designed for self-employed borrowers. No Tax Returns Required! Qualify using business or personal bank account deposits.

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Physician/Medical Professional Loans

Physician/Medical Professional Loans

Physician/Medical Professional Loans

0% down payment loans with no PMI.

Available to new & experienced physicians, nurses, and physician assistants.

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DSCR (Debt Service Coverage Ratio)

Physician/Medical Professional Loans

DSCR (Debt Service Coverage Ratio)

Qualify based on the rental property’s cash flow. No additional income documentation required. Available to first-time & experienced investors.

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Fix & Flip

Fix & Flip

DSCR (Debt Service Coverage Ratio)

Fix-and-flip financing with as little as 5% down (up to 95% LTV), including renovation funds. Available to first-time & experienced investors.

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HELOC

Fix & Flip

SBA Loans

Tap into your home’s equity as needed with flexible, revolving access to funds. Ideal for ongoing expenses or investments.

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SBA Loans

Fix & Flip

SBA Loans

Government-backed business loans offering flexible terms and lower down payments to help fund startups, acquisitions, or expansion.

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SmartRate Mortgage

11140 Los Alamitos Blvd #201, Los Alamitos, CA 90720

877-665-5515

Copyright © 2026 SmartRate Mortgage, a DBA of Prospect Lending. All Rights Reserved.


Prospect Lending dba SmartRate Mortgage | NMLS ID: 2616050 | Licensed by the California Department of Real Estate, DRE Lic number 02243237.
Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, or public assistance income.
Rates and terms are subject to change without notice. This website is for informational purposes only and does not constitute a loan offer or financial advice.
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