Your Mortgage Experts – Built on Trust and Technology
Interest Smart Home Loans helps you save money on your mortgage. Our InterestSmart Mortgage Monitor scans rates from over 20 lenders daily to find you the best deal.
About Interest Smart Home Loans
Founded in 2014 by Jared Hart, a mortgage professional since 2001, Interest Smart Home Loans was built on the principles of trust, integrity, and honesty. Our mission is to revolutionize the mortgage industry by combining cutting-edge technology with personalized service.
We believe in educating our clients throughout the loan process and treating everyone with respect and transparency. Our team strives to make homeownership dreams a reality while saving you money through our innovative rate-monitoring technology.
Our Loan Programs
We offer a comprehensive range of mortgage solutions to meet your unique financial needs and homeownership goals.
Conventional Loans
Traditional mortgages with competitive rates and flexible terms for qualified borrowers.
FHA/VA/USDA Loans
Government-backed loans with lower down payments and relaxed credit requirements.
Jumbo Loans
Financing for high-value properties exceeding conventional loan limits.
Construction Loans
Short-term financing for building your dream home from the ground up.
Down Payment Assistance
Programs to help first-time buyers with down payment and closing costs.
Investment Property Loans
Financing solutions for rental properties and real estate investments.
Second Mortgages
Home equity loans and lines of credit for home improvements or debt consolidation.
Hard Money Options
Fast, asset-based lending for time-sensitive real estate transactions.
Technology That Saves You Money
Our InterestSmart Mortgage Monitor and AI-powered CRM work around the clock to ensure you get the best rates and personalized service throughout your loan journey.
InterestSmart Mortgage Monitor
Our proprietary system scans rates from 20+ lenders daily to find you the best deal
AI-Powered Lead Nurturing
Advanced CRM technology ensures personalized service throughout your loan journey
Rate-Watch Alerts
Get notified instantly when rates drop or market conditions change in your favor
Mortgage Savings Analysis
Comprehensive analysis showing potential savings across different loan scenarios
What Our Clients Say
“Jared and his team made our home buying process seamless. Their technology found us a rate 0.5% lower than other lenders!”
Sarah Johnson
Orange County, CA
Meet Our Team
Our experienced professionals are dedicated to providing exceptional service and helping you achieve your homeownership goals.
Jared Hart
President & Founder
NMLS #13493Mortgage professional since 2001, founded Interest Smart Home Loans in 2014 with a vision of trust, integrity, and honesty.
States We Serve
We are licensed to serve clients in the following 13 states across the nation.
Contact Us
Ready to get started? Contact us today for a free consultation.
Get in Touch
Contact us for personalized mortgage solutions
Office Address
23172 Plaza Pointe Dr, Suite 155/185
Laguna Hills, CA 92653
Ready to Get Started?
Contact us today for personalized mortgage solutions
Call us directly or submit your application online to begin your mortgage journey.