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Trusted by top agents from:
VERO AI
We built Vero because
the system kept
saying no.
Millions of qualified buyers get rejected every year — not because they can't afford a home, but because their income looks different on paper. We built Smart Loans to change that.
Vero is our AI advisor trained on every alternative mortgage program available. She finds the right fit in minutes, not days.
PROGRAMS
Your income is valid.
Your program exists.
Whether you're self-employed, an investor, or using foreign income — Vero knows the program for you.
ITIN / Tax ID Loans
VOE Only — 3.5% Down
Hard Money — 10% Down
HELOC — Up to 95% LTV
DSCR Investor Loans
Bank Statements Only
Bridge Loans
W2 Alternative
Stated Income
REAL RESULTS
“Elmer Maldonado had been self-employed for years — profitable, stable, responsible. But when he applied for a mortgage, the bank said no. His taxes looked wrong on paper. Two weeks before losing the deal, he found Smart Loans. We matched him to a bank statement program, and 25 days later his family had their keys.”