SMW Financial, LLC offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:


A conventional loan is a great option if you have a solid credit score and little debt. This is the most common type of mortgage today. You can avoid PMI (private mortgage insurance) by paying 20% of the loan upfront, which will lower your mortgage payments. If you're unable to make a large payment upfront, conventional loans with private mortgage insurance are available with a down payment as low as 3%. Available in a 30, 25, 20 and 10 year fixed term. Lindsey will help you decide what is the best choice for your situation.


Refinance your existing mortgage. Take advantage of today's historically low mortgage interest rates and refinance your mortgage now. Lindsey will do the calculations for our to find out how much you would save on your monthly payments and/or the interest saved over the remaining life of your mortgage loan.


An FHA loan can be a great way to become a homeowner even if you wouldn't qualify for a conventional mortgage. They are designed to make homeownership accessible to borrowers even if they don't have a ton of cash to put down or don't have excellent credit. They are intended for owner-occupied homes, meaning that FHA loans cannot be obtained for vacation homes or investment properties. Borrowers with modest incomes, credit challenges and little saved for down payments might be good candidates for this loan. An FHA loan is made by a lender (hopefully you choose SMW) and is insured by the Federal Housing Administration or FHA. The FHA mortgage insurance program is the main feature of the loan that makes it unique. This insures the loan balance against the risk of default. Lindsey will be able to guide you into the right loan for your situation. Available in 15 or 30 year terms.  


Utilize your military benefits and apply for a no down payment VA loan. A VA loan is a mortgage loan available through a program established by the United States Department of Veterans Affairs (previously) the Veterans Administration. VA home loans are provided by private lenders, such as SMW Financial and backed by the U.S. Department of Veterans Affairs. It helps U.S. veterans, active duty service members and widowed military spouses buy a home. This type of loan is an attractive option because it's pretty easy to qualify for and doesn't require a down payment.  Available in 15 or 30 year terms.