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
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Scott Clarke and Cathey Lowe are GREAT to work with on my proprietary loans. They are prompt to answer my questions and always take the time to explain and help whenever I need from pre-loan to post-l... See more
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... See more
Company replied
My AE Todd Lansbach is great, always willing to jump in and help me try to figure out a way to make a deal work if it looks like it wont. The processors, Marie, Debbie and Isabel are always accom... See more
Company replied
Company details
About Smartfi Home Loans, LLC
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.
Contact info
3636 Nobel Dr Ste 210, 92122, San Diego, United States
- 866-954-6312
- customersuccess@smartfihomeloans.com
- smartfihomeloans.com
4.7
Excellent
82 reviews
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.
Scott Clarke and Cathey Lowe are GREAT…
Scott Clarke and Cathey Lowe are GREAT to work with on my proprietary loans. They are prompt to answer my questions and always take the time to explain and help whenever I need from pre-loan to post-loan closing. Their underwriting is smooth and uncomplicated. I am super happy with my partnership with this SMARTFI team! Cheers! Cyndy Wilson
20 May 2026
Unprompted review
Great partner in reverse mortgage…
Great partner in reverse mortgage product offerings for my clients/borrowers. Very responsive and managed the process with the highest level of urgency. I look forward to the next transaction with SmartFi.
15 May 2026
Unprompted review
My experience was excellent!
My experience was excellent, in large part to my AE Todd Lansbach. The processor was wonderful as well, but it all started with Todd helping me get this file off the ground. Great experience!
29 April 2026
Unprompted review
Josh and Smartfi team did a great job
6 May 2026
Unprompted review
Reply from Smartfi Home Loans, LLC
Thank you for the 5-star review, Armando!
I always have a great experience…
I always have a great experience working with the perfect Team "Channon and Jackie"
They are very professional and knowledgeable.
My Reverse Mortgage Clients are very thankful for the approval of this transaction
22 April 2026
Unprompted review
Reply from Smartfi Home Loans, LLC
Thank you for your review, Offir! We are thrilled to hear about your experience with our team and are pleased to have helped your clients.
Another Smooth Closing with Smartfi…
Another Smooth Closing with Smartfi Home Loans
Just wrapped up another reverse mortgage closing with Smartfi Home Loans, and once again, the process delivered exactly what you want as a broker... consistency, communication, and execution.
From submission to final docs, everything stayed on track. Their underwriting team was clear and efficient, and processing kept things moving without unnecessary back-and-forth. That kind of reliability makes a big difference, especially when clients are counting on a smooth experience.
And as always, my Account Executive, Todd Lansbach, plays a big part in that success...accessible, knowledgeable, and always on top of things. Having that level of support makes all the difference.
21 April 2026
Unprompted review
Reply from Smartfi Home Loans, LLC
Thank you so much for your review, Rick! We love working with you and truly appreciate you trusting us with your business. Partners like you make our mission possible. Cheers to the next closing!!
Fabulous and efficient staff to work…
Fabulous and efficient staff to work with. The process was flawless !
14 April 2026
Unprompted review
Reply from Smartfi Home Loans, LLC
Laura, thank you for your 5-star review! We've passed your kind words along to our team.
Scott Clarke
Scott Clarke is great to work with! I'm glad to have him as an AE and friend.
24 March 2026
Unprompted review
Reply from Smartfi Home Loans, LLC
Thank you for your 5-star review, Ernest! We are glad to hear you enjoy working with Scott.
I love working with Smartfi Home Loans
I love working with Smartfi Home Loans
23 March 2026
Unprompted review
Reply from Smartfi Home Loans, LLC
Thank you for your 5-star review, Gisselle!
Excellent Experience!
Channon Miller and Debbie Anglin were outstanding partners in getting a difficult transaction done. They were always prompt, professional, and provided solutions when tough obstacles presented themselves.
3 March 2026
Unprompted review
Reply from Smartfi Home Loans, LLC
Thank you so much for your review! We are pleased to hear about your experience with Channon and Debbie.
SmartFi looks at things with a makes sense attitude.
SmartFi looks at things with a make sense thought process. That and Jonathon Ruiz's attitude of lets see how we can do this, makes all the difference.
27 February 2026
Unprompted review
Reply from Smartfi Home Loans, LLC
Thank you for taking the time to leave us a review, Pete! We are grateful for your feedback.
21 days to close
They had the right product that fit the situation and 21 days from application to closing!
26 February 2026
Unprompted review
Reply from Smartfi Home Loans, LLC
Todd, thank you for your review! We are happy we could help your borrower with the right product. We look forward to working with you again!
From our AE to closing support
From our AE to closing support, it ALWAYS goes smoothly. You guys are top rated.
Get us more programs so we can bring you more business.
25 February 2026
Unprompted review
Reply from Smartfi Home Loans, LLC
Hi Kurt, thank you so much for your feedback! We are happy to hear about your experience with us. Rest assured we are continually working on our products.
I had an incredibly smooth experience…
I had an incredibly smooth experience with SmartFi Home Loans. Their team made the reverse mortgage process simple, transparent, and stress-free. If you're looking for professionalism and efficiency, I highly recommend them!
22 January 2026
Unprompted review
Reply from Smartfi Home Loans, LLC
Ben, thank you so much for taking the time to leave us a review! We are grateful for your feedback and we look forward to continuing to work with you.
I do like working with your company
I do like working with your company, however on the Choice portfolio loan I feel like I did alot of the work and your company made most of the monies....
I truly feel the broker should be compensated better on this product.
22 January 2026
Unprompted review
Reply from Smartfi Home Loans, LLC
Hi Maureen, thank you for your feedback. We trust your conversation with Sherry helped shed light on the laws around compensation. We are grateful for your partnership and look forward to continuing to work with you!
Great Team
Channon Miller and Faith Gates were amazing to work with. Channon was ahead of the game and notified me first, she always returned my calls and made sure I was aware of all of the conditions that needed to be cleared. Faith was very responsive and helpful. I will look forward to the next deal.
8 January 2026
Unprompted review
Reply from Smartfi Home Loans, LLC
Hi Billie, thank you for taking the time to leave us a review! We greatly value your feedback and partnership. Your kind words will be passed along to our team :)
Todd Lansbach
Todd Lansbach, our account rep always makes the process easy for us. Great communication and consistently ahead of hurdles with solutions. Thank you!
15 January 2026
Unprompted review
Reply from Smartfi Home Loans, LLC
Hi Michael, thank you for your 5-star review! We love to hear how helpful Todd has been and will pass along your review to the team.
All parties involved communicate well…
All parties involved communicate well and quickly responded to my questions
18 December 2025
Unprompted review
Reply from Smartfi Home Loans, LLC
Thank you for your 5-star review, Nick! We look forward to continuing to work with you.
Choice Fixed!!!!
Moiz helped me structure and place a Reverse Mortgage for a homeowner in need that didnt meet standard FHA guidelines. Their Choice Fixed program fit the bill and change the course of direction for this particular homeowner during the holidays and onward. Excellent knowledge, constant follow up/help from start to finish. Great experience and will be using again.
16 December 2025
Unprompted review
Reply from Smartfi Home Loans, LLC
Hi David, thank you so much for taking the time to leave us a review! We are thrilled to hear how Choice helped your borrower and how helpful Moiz was throughout the loan process. We look forward to working with you again. Happy holidays!
This was my first experience and it was…
This was my first experience and it was a great one. Billy Benedetto was always accessible, easy to reach, and straightforward to talk to. The whole transaction was smooth from start to finish, and I’m sure a lot of that comes down to having the right rep. Highly recommended.
2 December 2025
Unprompted review
Reply from Smartfi Home Loans, LLC
Hi David, thank you so much for your review! We are thrilled to hear about your experience with Billy and how smooth everything went. We look forward to working with you again.
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