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Corporate business center

California , USA

EMAIL ADDRESS

thelorddrive2@gmail.com

PHONE NUMBER

+191626 00000

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If you have any queries, feel free to contact us or simply submit your question below — we’re here to help you every step of the way!

Frequently asked questions

Find answers to common questions about our services, pricing, and booking to help you decide.

Contact us
At Smart Key Lending, we offer a variety of mortgage options including Home Purchase Loans, Refinance Loans, FHA Loans, Conventional Loans, Jumbo Loans, Construction Loans, and First-Time Homebuyer Programs — tailored to fit your needs.
Our expert loan officers evaluate your income, credit score, goals, and property type to guide you to the most suitable loan product — with clear terms and personalized advice.
While timelines vary, we offer some of the fastest turn times in the industry. With complete documentation, many approvals are issued within 24–72 hours.
Yes! We offer FHA and other flexible loan programs designed for buyers with limited or poor credit history. We’ll help you explore all available options.
It depends on the loan type. FHA loans require as little as 3.5% down, while conventional loans may require 5–20%. We also have low down payment programs for first-time buyers.
Absolutely. We offer rate-and-term as well as cash-out refinance options to help you save money, reduce interest, or tap into home equity.
Yes! We proudly serve clients both locally and nationwide, with remote and digital support that keeps the process simple — wherever you are.
There’s no upfront fee to begin your application or speak to a loan officer. We’ll guide you through everything transparently before any commitment.
Definitely. Our dedicated loan advisors will assist you from application to closing — and even after your loan is funded. We’re here for the long term.
We typically require ID, proof of income, tax returns, bank statements, and employment verification.
We provide FHA, Conventional, VA, USDA, Jumbo, Non-QM, Bridge, Fix & Flip,DSCR,HELOC,Comercial,Purchase Without Tax and many more
Yes, we offer Fix & Flip loans, DSCR loans, and bridge financing for qualified investors.
Yes! We offer soft credit pull options for initial pre-qualification with no impact on your score.
Pre-qualification is an estimate; pre-approval is a verified offer based on documentation and credit review.
We partner with local and national programs to help qualified buyers secure down payment help.
Closing costs generally range from 2–5% of the loan amount, including appraisal, title, and lender fees.
Yes, we offer rate lock options to protect you from market fluctuations during the loan process.
While conventional loans prefer 620+, FHA loans may accept scores as low as 580.
Absolutely! We offer Bank Statement and Non-QM loans designed for self-employed clients.
Yes, most loan programs allow gift funds—provided documentation and proper sourcing is submitted.
You can typically refinance after six months, depending on your current loan type and terms.
We’ll guide you through the reason and offer strategies or alternative loan options to get approved.
Yes, we offer mortgage solutions for secondary residences and investment properties.
Our loan experts will evaluate your location, income, and credit to recommend the most suitable option.
Yes, we offer bank statement and alternative documentation loans designed for entrepreneurs and freelancers
Fixed-rate mortgages have stable monthly payments; ARMs offer lower initial rates that adjust over time.
Our mortgage specialists can help you assess your budget and pre-qualify based on your financial situation.
Yes, we have Non-QM and stated-income loan programs that require limited income documentation.
Some of our programs offer lenient waiting periods or exceptions based on recovery and credit rebuilding.
Yes, we offer Foreign National loan programs without U.S. credit history requirements.
Yes, we provide short-term bridge financing solutions to help you transition smoothly between properties.
We offer renovation and construction-to-permanent loans that finance both the purchase and rehab/build.
DSCR (Debt Service Coverage Ratio) loans are ideal for real estate investors using rental income to qualify.
Absolutely. Our FHA 203(k) and other rehab loan options allow you to finance repairs and improvements.
We guide you on reducing debt, correcting errors, and building stronger credit before applying.
Typically 5–10 days, but timelines may vary based on location and appraiser availability.
Mortgage insurance protects the lender and may be required on FHA or low down payment loans.
Yes! We offer financing for rental homes, flips, vacation homes, and multifamily investments.
Yes, we provide Jumbo loan solutions for properties that exceed conforming loan limits.
A DSCR loan qualifies you based on your property’s rental income, not personal income—ideal for real estate investors.
Yes. We offer Foreign National Loans requiring international credit reports, proof of income, and higher down payments.
A Non-QM loan is for borrowers who don’t meet standard lending criteria—ideal for self-employed, high DTI, or credit-event borrowers.
Yes. Loans like FHA 203(k), Fix & Flip, and some bridge loans allow bundling purchase and renovation costs.
Yes. Select loan programs offer interest-only payments—perfect for investors or those needing initial payment flexibility.
It allows you to qualify based on your assets (like cash, investments, or real estate) instead of traditional income.
Yes, a HELOC can be used for renovations, property purchases, or debt consolidation if you have enough home equity.
We offer low-down-payment options, down payment assistance, and education-focused guidance throughout the entire process.
Yes, we offer flexible refinancing options for primary residences, second homes, and investment properties.
Yes. Jumbo loans are available for homes exceeding the conventional loan limit, with competitive rates and flexible terms.
A bridge loan is short-term financing that helps you buy a new home before selling your current one.

We believe in honest guidance, fast action, and real relationships.
Our team works collaboratively, communicates clearly, and always puts the client first. At SmartKey Lending, every file is handled with care, every phone call matters, and every loan is treated like it’s our own.

Visit Us

  • California,USA
  • +19162600000
  • thelorddrive2@gmail.com

OPENING HOURS

  • Monday - Friday:

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