Now Lending in Grand Rapids
Grand Rapids home loans —
Beer City, USA.
Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Grand Rapids and Kent County. From historic homes in Heritage Hill to new construction on the East Beltline, we bring local guidance to West Michigan's hub — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.
Kent County
Grand Rapids Coverage
14 days*
Close In As Little As
$832,750
2026 Kent County Conforming Limit
5.0 ★
Google Review Rating
Grand Rapids Markets
Local lending across
every Grand Rapids neighborhood.
Grand Rapids Neighborhoods
A walkable downtown, storied historic districts, and fast-growing suburban townships.
- Downtown & East Hills
- Heritage Hill & Eastown
- East Grand Rapids & the East Beltline
- Cascade & Forest Hills
Health, Furniture & Craft
A strong healthcare, manufacturing, and craft-brewing economy with steady, attainable home values.
- First-time & relocation programs
- New-construction financing
- Kent County coverage
- Minutes to the Medical Mile & US-131
Every Kind of Grand Rapids Buyer
From first homes to move-up, luxury, and investor purchases.
- First-time & move-up buyers
- Historic rehab & renovation loans
- Jumbo financing for East Grand Rapids luxury
- Investment & rental properties (DSCR)
DowntownEast HillsHeritage HillEastownEast Grand RapidsCascadeForest HillsCrestonAlger Heights
Loan Programs in Grand Rapids
Financing for every
kind of Grand Rapids buyer.
FAQ
Grand Rapids mortgage
questions answered.
We serve homebuyers and homeowners throughout Grand Rapids and Kent County, including Downtown, East Hills, Heritage Hill, Eastown, and East Grand Rapids, plus Cascade and Forest Hills.
The 2026 conforming loan limit is $832,750 in Kent County, including Grand Rapids. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's higher-priced homes.
Grand Rapids borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.
Ready to start your Grand Rapids home journey?
Get pre-approved today — no cost, no obligation. Grand Rapids borrowers, let's get you to the closing table.