Smartfi was recommended to me by a fellow broker. So glad, we connected. First, my AE, Jonathan Ruiz is the absolute best. His knowledge, care and professionalism is superb. What all brokers w... See more
Company replied
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Created with AI, based on recent reviews
Written by the company
Establishing our roots in 1911, Smartfi Home Loans, LLC, began as Bankers Guarantee in Ohio, with a mission to serve locals from the beginning of their mortgage loan, to the very end.
Under our new name, Smartfi Home Loans, LLC, we combine the experience and trust we’ve accumulated over the years with our tailored products and a streamlined platform to serve our partners and support American seniors.
With us, you’ll find knowledgeable and friendly experts who enjoy the process of helping our partners get their clients the right mortgage.
NMLS #1862952 | Equal Housing LenderSmartfi Home Loans, a wholesale lender.
3636 Nobel Dr Ste 210, 92122, San Diego, United States
Replied to 100% of negative reviews
Typically replies within 1 week
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Processor Faith was an absolute delight to work with. Very knowledgeable and efficient.

Reply from Smartfi Home Loans, LLC
These guys just get it! I love working with a company where relationships still matter. Jonathan and crew take the time to understand the client and always do what they say they will. What else is there?

Reply from Smartfi Home Loans, LLC
Working with Jennifer Rodriguez and Scott Clark was a real pleasure. Both of them were incredibly responsive and they made the process feel like working with a great team.

Reply from Smartfi Home Loans, LLC
Scott and his team are awesome to work with.
They just helped me close a reverse mortgage in 20 days!
Amazingly smooth process for reserve mortgage!!

Reply from Smartfi Home Loans, LLC
Laurel and Faith were great to work with, knowledgeable and great communicators. So happy we got to work together, they made it super easy.

Reply from Smartfi Home Loans, LLC
Faith Gates and Todd Lansbach are always amazing to work with as they assist in finding the solution and how to get across the finish line. Today's files seem to keep getting more challenging and it truly takes teamwork and collaboration to get the job done. Faith and Todd go above and beyond and are truly appreciated.

Reply from Smartfi Home Loans, LLC
Great lender is as great as its Account Executive vice versa. Diamond, the AE at SmartFi Home Loan, is the PERFECT fit in that puzzle. She made Ambassador Mortgage looks like a king during our Reverse Mortgage transaction! We deliver with confidence knowing the information received is accurate! JOB WELL DONE Diamond!

Reply from Smartfi Home Loans, LLC
Every team member does what they are supposed to in a professional way to try to make the process as smooth as possible, which makes Smartfi easy to work with.

Reply from Smartfi Home Loans, LLC
Mike Nighbert and the team exceeded all expectations! I am a mortgage broker and Mike and SmartFi helped me and my reverse mortgage client every step of the way through processing and closing one of their proprietary reverse mortgage loan products. It helped the client save thousands of dollars a month and get into a far better financial position and the proprietary rules gave far more optionality than a HECM for this particular client. I look forward to working with Mike and SmartFi again ASAP.

Reply from Smartfi Home Loans, LLC
my company has been a partner with this company for several years I had a problem ordering a 2nd appraisal and was frustrated with having my client pay for another appraisal and I spoke to Jennifer Rodriguez and she took it personal that I had an attitude with this issue. She was immature and referred me to her manager as she thought I was rude I had my pricessor on the line Instead of diffusing the situation becasue I did not know this was required her manager called me and told me I was going to be deactivated she said we are a people first company not valuing partners that send them business her service stinks along with the account rep Mac (Mackenzie) Elliot I know a dog by the name of Mackenzie LOL Dont recommend this company

Reply from Smartfi Home Loans, LLC
Linda was a great person to work
With. She was always upbeat
About a process that takes a lot
Of info

Reply from Smartfi Home Loans, LLC
I've been working with Smartfi Home Loans for about 5 years and I am very satisfied with how knowledgeable and professional my representative is regarding their product line and reverse mortgages in general. The staff is very good at getting the loan to closing quickly and efficiently as well.

Reply from Smartfi Home Loans, LLC
I would not recommend this company to anyone to do business with.

Reply from Smartfi Home Loans, LLC
I love working with SmartFi and Josh Callison. My issues are more with the operations staff not being proactive and also not answering emails in a respectable amount of time when files are needing to close. Closing and funding have been great.

Reply from Smartfi Home Loans, LLC
the transaction went smoothly and most importantly the borrower was very happy

Reply from Smartfi Home Loans, LLC
Rebekah was terrific, explained everything thoroughly and made it easy to understand. Very warm and friendly.

Reply from Smartfi Home Loans, LLC
I was asked several times to provide documents I had already provided.
I recently did a purchase transaction where I contacted the closing department advising them of the closing deadline, their response was," it's in line".
Closing purchase transactions should take priority over refinance transactions because of the closing deadlines imposed on purchase transactions by the Purchase Contract.
Closing instructions should be provided to the title agent at least 24 business hours prior to the closing date and time to allow time for the borrower to wire funds to close.

Reply from Smartfi Home Loans, LLC
They are very helpful and very knowledgeable very nice employees and highly recommend

Reply from Smartfi Home Loans, LLC
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.