Embedded Files
About SIUSA
About SIUSA
As one of the fastest growing lending company in the United States, we opened our doors in 2015 and have since expanded with many community based branches across the nation. Headquartered in Ooltewah, TN, SIUSA built its reputation as an outstanding lending firm by serving the lending needs of real estate professionals, builders, and individual homebuyers throughout the United States.
We are a Direct Lender with delegated authority to underwrite, fund, and service Fannie Mae, Freddie Mac, FHA, USDA, VA, and Jumbo loan products in-house. Our success and expansion is built on core values including streamlined and efficient operations that optimize organizational output as well as an approach to customer service founded on exceeding expectations.
Who We Are
Who We Are
Smart Investments USA. (SIUSA) is a family owned company that focuses on values and relationships which we believe are the foundation of success. We constantly evolve and adapt to ensure our employees are equipped with the right blend of products, service, and training to ensure that you have the best possible experience in one of the most important decisions in your life.
Our Mission
Our Mission
Smart Investments USA. (SIUSA) has been serving the lending needs of real estate professionals, builders and individual homebuyers throughout the United States since 2015. Our Mission is to be the best, most trusted, and admired mortgage lenders with unique, affordable and convenient products while maintaining a close, family-oriented culture.
Service you can trust
Service you can trust
As an industry-leading mortgage lender, we bring a proven track record of never taking our customer’s trust for granted. This consistent commitment to leadership and trustworthy excellence has earned us an “A+” rating from the Better Business Bureau® and the honor of being one of the top-rated reverse lenders.
What We Do
What We Do
We manage your loan process in-house, from application to closing, to help your loan close faster. We also consider all the financial factors affecting your mortgage to help you strike the right balance between product and pricing. Our competitive mortgage rates, low closing costs, and wide array of mortgage products have been backed by top-rated industry professionals for more than 20 years.
Because we value constant communication, we will keep you in the loop every step of the way. In fact, we consider ourselves a communications company that happens to be really good at mortgages!
How We're Different
How We're Different
We’re building one of the best, most stable mortgage lending businesses around. But we’ll never be a company that counts our success based on the number of offices we have across the country. We count our success one loan, one happy customer, one family in a home at a time and by what we give to our communities. We firmly believe and act on the philosophy that “success without sharing is failure.”
01-Pre-Approval
01-Pre-Approval
Work with trusted loan Originator to qualify for appropriate mortgage
02-Submit Initial Documents
02-Submit Initial Documents
-Bank Statements
-Valid ID
-Business License
-W2's
03-Process Loan
03-Process Loan
Experienced Processer reviews, packages, and monitors the file through the mortgage process.
04-Send to Underwriting
04-Send to Underwriting
Underwrite reviews loans, verifies guidelines are met, and issues a mortgage commitment.
05-Payment of EMD
05-Payment of EMD
Earnest money payment is made.
06-Closing
06-Closing
Closing disclosure issued to borrower and paperwork is finalized with attorney for execution on closing day.
Page updated
Report abuse