Invest Your Cash, Lower Your Mortgage Rate

Invest Your Cash, Lower Your Mortgage Rate

Turn your cash into a growth engine—build lasting equity and lower costs

Turn your cash into a growth engine—build lasting equity and lower costs

How It Works

How It Works

Launching in Los Angeles Soon

Launching in Los Angeles Soon

  • Growth
    Equity
    Liquidity
    Optimization
    Refinance

What Makes Us Different

Built for the Modern Cash Buyer

Experience a mortgage that invests, adapts, and grows with you.

Experience a mortgage that invests, adapts, and grows with you.

Fast

Secure

Growth

Invested Equity

We invest your cash in safe, growth-oriented portfolios from day one.

We invest your cash in safe, growth-oriented portfolios from day one.

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Get Notified

Dynamic Refinance

Exclusive

Lower rates, triggered algorithmically—Our tech monitors markets and refinances when better rates are available.

Lower rates, triggered algorithmically—Our tech monitors markets and refinances when better rates are available.

Set it and forget it approach

Automated Payments

Monthly mortgage payments are automatically made from your investment growth.

Monthly mortgage payments are automatically made from your investment growth.

Complete Visibility

Monitor your mortgage and investment growth from a single smart dashboard.

Monitor your mortgage and investment growth from a single smart dashboard.

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Get Invited

New

Advanced Features

Mortgage Features for Smarter Wealth Building

Powerful tools working behind the scenes to grow, protect, and optimize.

Powerful tools working behind the scenes to grow, protect, and optimize.

Risk Guardrails

Built-in protections limit downside during volatile market periods.

Risk Guardrails

Built-in protections limit downside during volatile market periods.

Risk Guardrails

Built-in protections limit downside during volatile market periods.

Equity Tracking

Real-time insights into home equity and investment growth progress.

Equity Tracking

Real-time insights into home equity and investment growth progress.

Equity Tracking

Real-time insights into home equity and investment growth progress.

Algorithmic Refinance

Automatically triggers lower rates when market conditions are favorable.

Algorithmic Refinance

Automatically triggers lower rates when market conditions are favorable.

Algorithmic Refinance

Automatically triggers lower rates when market conditions are favorable.

Portfolio Control

Customize your investment strategy based on personal risk tolerance.

Portfolio Control

Customize your investment strategy based on personal risk tolerance.

Portfolio Control

Customize your investment strategy based on personal risk tolerance.

Unified Dashboard

View mortgage, investments, and performance metrics in one place.

Unified Dashboard

View mortgage, investments, and performance metrics in one place.

Unified Dashboard

View mortgage, investments, and performance metrics in one place.

Tax Harvesting

Intelligent optimization to reduce taxable gains every investment cycle.

Tax Harvesting

Intelligent optimization to reduce taxable gains every investment cycle.

Tax Harvesting

Intelligent optimization to reduce taxable gains every investment cycle.

New

Launching in Los Angeles soon, New York later this year.

Launching in Los Angeles soon, New York later this year.

Get Notified

Get Notified

Cash Buyers Love Us

Whether you’ve built your life savings or inherited, Smart Mortgage makes it easy for you to buy your home and grow your financial wealth.

View Features

Built for Life’s Big Decisions

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Built for Life’s Big Decisions

Get Notified

Rated 4.9 of 5

You're in good company

See what our clients are saying

See what our clients are saying

See what our clients are saying

“bringing private banking strategies to everyone.”

As a financial advisor, I’ve rarely seen a mortgage product as sophisticated and client-friendly as Smart Mortgage. It gives my clients the liquidity they need and ensures their capital keeps working for them. It’s democratizing the kind of wealth strategies usually reserved for ultra-high-net-worth clients.

Daniel Head

Daniel Head

Daniel Head

Managing Director @Head Investment Partners

@Head Investment Partners

Managing Director @Head Investment Partners

Get Invited!

Email us at invite@smartmtg.us

Contact Us

Get Invited!

Email us at invite@smartmtg.us

Contact Us

Get Invited!

Email us at invite@smartmtg.us

Contact Us