About Smart Rate Search

Greed, excessive profit and outright deception, can steal hundreds and  thousands of dollars from your family every year.  SmartRateSearch.com is committed to helping you keep your hard earned money where it belongs....in your own pocket! SmartRateSearch.com provides you with unbiased insider information, and a proprietary Virtual Loan Shopper system, which clears away the smoke and mirrors that  unscroupulous lenders and mortgage brokers have thrived on for decades. Our aim is to display lenders who have invested in technologies which create an honest, transparent and stress free transaction for our viewers.

During twenty-five years working in the financial and mortgage industries, many customers have asked me if the interest rates quoted to them were the lowest available in the market.  My answer has always been the same....a resounding, "Probably not!"

The reality is that thousands of lenders nationwide are competing for your business.  There could be another lender somewhere that can offer you a lower cost loan.  Some are honest quotes and some are not. The problem is that most working people do not have the time to get a quote from every lender in the country.  Even if they could, each company has its own approval guidelines, with variables that often cause the “lowest rate” to be increased or an application to be denied outright.

An unfortunate consequence of applying with multiple companies is that each inquiry shows on your credit report. This could effectively drop your credit score to a level that restricts your eligibility for obtaining the best interest rate.  I have witnessed the credit scores of many customers drop to levels that  disqualified them entirely from getting loans.

The goal of SmartRateSearch.com is to research and display lenders who are offering the best competitive terms for the mortgage product you seek.  Remember!  The major differences between lenders are thier honesty, transparency and  profit margins. We will supply you with enough clear and precise information to help  make educated financial decisions.  Being informed is the best insurance against paying too much for the product you receive!

Jayson W. Johnson
President & CEO