Our Smart Finance Program

What does No Qualifying mean?

No Qualifying means you pay your down payment and move into your new home. There are no credit or income requirements, and no loan application.

How Smartbuy financing works:

All payments are at a fixed interest rate, and all payments include taxes and insurance on the home.

BBB Accredited Business

In Business Since 1969

THE SMART BUY FINANCING PROGRAM IS ONLY AVAILABLE ON HOMES LISTED WITHIN OUR CURRENT INVENTORY!

  • No loan application or fees
  • No Credit Check
  • No Income Verification
  • This is a mortgage loan, not a lease purchase
  • When you purchase from us you get an actual deed
  • Refinance at any time with no prepayment penalties
  • VERY Competitive interest rates
  • Use your MasterCard or Visa for part of your down payment
  • The ONLY thing we require is 4-6% down. GET STARTED NOW!

Our Team

Testimonies

No one understands the challenges that today’s credit market presents for buyers like someone in the lending business does. Even if you can qualify, you are still faced with large down payments, closing costs and waiting. When I saw the opportunity to purchase the type of home we wanted with no credit required, no income verification, and no closing costs, I didn’t even want to try to go the regular route.” - Jan Hawkins, Title Company Manager
As a dealer of used transportation equipment, it is important that I have a rich and open line of credit to conduct my daily business. Using conventional financing for real estate can tie up much-needed credit. The Smart Buy Homes program allows me to buy a highend home and not have the mortgage affect my ability to do business.” I have done business with Smart Buy Homes for almost 10 years great company to deal with.” - Mark Brandon, Equipment Dealer

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