Finance your perfect home.
At Smart Investments USA, we understand that one size does not fit all. Let us help you find the right loan program for your dream home. Relax. We’ve got this.
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Who We Are
Who We Are
At Smart Investments USA, we recognize that home loans are as diverse as the people who seek them. We’ll work closely with you to help you find the right program to fit your unique needs. We are guided by the strong belief that communication is key, which is why we take pride in helping you through the entire loan process, from application to closing, managing all aspects in-house. This way, loans close faster, and you know what's going on every step of the way.
Grow with CoreVest
Grow with CoreVest
Partner with us and take your business to the next level
Direct Access to Capital
We’ve closed over $20 billion in loans, offering borrowers uncapped access to capital.
Customized Loan Products
We’ve worked with thousands of investors, tailoring our loans to their unique needs.
True Nationwide Lending
We’ve closed loans in 48 states, financing more than 150,000 units across the nation.
One-Stop Shop for Investment Loans
Smart Investments USA offers convenient financing options throughout the investment lifecycle.
Experienced - we know your business.
We have partnered with thousands of borrowers to finance residential investment properties across the nation.
Efficient – we get the deal done.
Efficient – we get the deal done.
Our streamlined closing process and dedicated support allows you to focus on your business, not our paperwork.
Certain – we’re ready to fund your deal.
Smart Investments USA offers certainty and reliability. We have the capital to deliver funds when you need it, where you need it.
Will I still own my home?
Will I still own my home?
With a reverse mortgage, you — not the lender, own and control your home. You can’t be kicked out so long as you uphold the terms of the loan. As with a traditional forward mortgage, the lender simply puts a lien on the property to ensure the loan will be repaid.
Will my heirs get stuck with the debt?
Will my heirs get stuck with the debt?
No. A reverse mortgage is a “non-recourse” loan, which means that if you default on the loan, or if the loan cannot otherwise be repaid, the lender can only enforce the debt through the sale of the property and cannot look to your other assets (or your estate’s assets) to meet any outstanding balance. If the loan balance is higher than what the home is worth, your heirs will not be responsible for paying the difference when the home is sold to repay the balance.
What are the borrower qualifications for a reverse mortgage?
What are the borrower qualifications for a reverse mortgage?
To be eligible for a reverse mortgage, you typically need to be a homeowner 62+. However, Finance of America also has an exclusive range of reverse mortgage options available in many states to homeowners 55+. In addition to meeting the age requirement, you’ll need about 50% equity in the home to qualify. You’ll also need to undergo a financial assessment to help determine your ability to meet the terms of the loan.
What happens at the end of a reverse mortgage?
What happens at the end of a reverse mortgage?
A reverse mortgage loan ends when the last borrower passes away or otherwise leaves the home. At this time, the loan principal and all accrued interest must be repaid. You or your heirs will have the option to repay the balance through the sale of the home or by paying off the mortgage balance with other funds. If the loan balance exceeds the home’s value, you or your heirs can also sign over the home’s title to the lender and walk away.
How am I protected?
How am I protected?
The largest misconception around reverse mortgages is that they’re dangerous. The truth is that these products are highly regulated by the US government and come with strict consumer protections that make today’s loans safer than ever. Key safeguards include, max claim limits on reverse mortgage products, required financial assessments to ensure borrowers are financially capable of taking on the loan, and required counseling with an independent, HUD-approved counselor to help borrowers make an informed decision.
What kind of fees are involved?
What kind of fees are involved?
Apart from mandatory reverse mortgage counseling costs and FHA insurance (on certain loans only), the fees for a reverse mortgage are generally the same as those for a traditional forward mortgage. It’s also important to remember that with a reverse mortgage, most fees are added to the loan balance, which means you pay little out-of-pocket upfront.
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