Get Invited!

Email us at invite@smartmtg.us

Get Invited!

Email us at invite@smartmtg.us

How Smart Mortgage Works

For Cash Buyers Who Want More From Their Money

How Smart Mortgage Works

For Cash Buyers Who Want More From Their Money

How Smart Mortgage Works

For Cash Buyers Who Want More From Their Money

How It Works

Step 1

1

Smarter All-Cash Offer

You selected a home, have cash to pay for it

Offer like a cash buyer

Mortgage funds the home purchase

Your cash stays fully invested

Step 1

1

Smarter All-Cash Offer

You selected a home, have cash to pay for it

Offer like a cash buyer

Mortgage funds the home purchase

Your cash stays fully invested

Step 2

2

We Invest, You Relax

Use that cash to invest smartly, pay the mortgage with investment growth

Investments professionally managed

Mortgage paid from investment returns

Built-in downside protection strategies

Step 2

2

We Invest, You Relax

Use that cash to invest smartly, pay the mortgage with investment growth

Investments professionally managed

Mortgage paid from investment returns

Built-in downside protection strategies

Step 2

2

We Invest, You Relax

Use that cash to invest smartly, pay the mortgage with investment growth

Investments professionally managed

Mortgage paid from investment returns

Built-in downside protection strategies

Step 3

3

Grow Wealth While Owning

Build equity in home and investment portfolio simultaneously

Home value appreciates over time

Investments grow with market gains

Smart refinancing lowers your rate

Step 3

3

Grow Wealth While Owning

Build equity in home and investment portfolio simultaneously

Home value appreciates over time

Investments grow with market gains

Smart refinancing lowers your rate

Step 3

3

Grow Wealth While Owning

Build equity in home and investment portfolio simultaneously

Home value appreciates over time

Investments grow with market gains

Smart refinancing lowers your rate

Smart Engine

Smart Engine

Smart Engine

Backed by powerful financial algorithm.

Our system tracks rates, automates investments, and triggers refinancing — maximizing returns while managing risk and reducing your monthly payment burden.

Algorithm Driven

Algorithm Driven

Custom Crafted

Custom Crafted

Built For Cash Buyers

Built For Cash Buyers

Built For Cash Buyers

Designed for cash-rich home buyers.

Ideal for buyers with liquidity even without credit history — Smart Mortgage turns cash into wealth while delivering homeownership with zero complexity.

You Are In Control

You Are In Control

You Are In Control

Transparent, secure, and fully managed.

You get real-time dashboards, automated insights, and full ownership — all while we manage your mortgage and investments seamlessly behind the scenes.

Trust Center

Trust Center

Rated 4.9 of 5

Rated 4.9 of 5

Rated 4.9 of 5

You're in good company

See what our clients are saying

See what our clients are saying

See what our clients are saying

“turning all-cash buyers into long-term clients”

Smart Mortgage has opened doors to an entirely new segment of clients — all-cash buyers who were previously outside the traditional lending funnel. Now I can help them close quickly and still offer a powerful financing solution that puts their capital to work. It’s a game-changer for my business.

Tom McKnight

Tom McKnight

Tom McKnight

Loan Officer @United American Mortgage Corporation

@UAMC

Loan Officer @United American Mortgage Corporation

Frequently Asked Questions

Check our frequently asked questions.

Do I really need a mortgage if I already have the cash?

Yes — and here’s why. Instead of tying up all your cash in the home, Smart Mortgage lets you invest that money in a professionally managed portfolio. This portfolio grows over time and pays your mortgage. You still get the home, but now your cash works for you — potentially generating much more long-term wealth than a traditional all-cash purchase.

Is my investment safe? What if markets crash?

What happens if the investment doesn’t cover the mortgage?

Can I still refinance or access my cash later?

Do I really need a mortgage if I already have the cash?

Yes — and here’s why. Instead of tying up all your cash in the home, Smart Mortgage lets you invest that money in a professionally managed portfolio. This portfolio grows over time and pays your mortgage. You still get the home, but now your cash works for you — potentially generating much more long-term wealth than a traditional all-cash purchase.

Is my investment safe? What if markets crash?

What happens if the investment doesn’t cover the mortgage?

Can I still refinance or access my cash later?

Do I really need a mortgage if I already have the cash?

Yes — and here’s why. Instead of tying up all your cash in the home, Smart Mortgage lets you invest that money in a professionally managed portfolio. This portfolio grows over time and pays your mortgage. You still get the home, but now your cash works for you — potentially generating much more long-term wealth than a traditional all-cash purchase.

Is my investment safe? What if markets crash?

What happens if the investment doesn’t cover the mortgage?

Can I still refinance or access my cash later?

Get Invited!

Email us at invite@smartmtg.us

Get Invited!

Email us at invite@smartmtg.us

Transforming a cash purchase into a powerful, investment-driven mortgage solution

Want to buy your home with Smart Mortgage?

We are starting in Los Angeles & New York, let us talk to you.

We are changing the way you buy home with cash.

Smart Mortgage LLC. © All rights reserved

Transforming a cash purchase into a powerful, investment-driven mortgage solution

Want to buy your home with Smart Mortgage?

We are starting in Los Angeles & New York, let us talk to you.

We are changing the way you buy home with cash.

Smart Mortgage LLC. © All rights reserved

Transforming a cash purchase into a powerful, investment-driven mortgage solution

Want to buy your home with Smart Mortgage?

We are starting in Los Angeles & New York, let us talk to you.

We are changing the way you buy home with cash.

Smart Mortgage LLC. © All rights reserved