SmartFi looks at things with a makes sense attitude.
SmartFi looks at things with a make sense thought process. That and Jonathon Ruiz's attitude of lets see how we can do this, makes all the difference.
Pete Semon
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Smartfi Home Loans, LLC
4.750 reviews
Last reviewed: Mar 4, 2026Do you agree with Smartfi Home Loans, LLC's TrustScore? Voice your opinion today and hear what 72 customers have already said.
www.smartfihomeloans.comMember since Mar 2026
Smartfi Home Loans, LLC is an online company. Based on 50 reviews on TrustPlane, it has an average rating of 4.7 out of 5 stars. Last reviewed March 4, 2026.
Customer Reviews
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21 days to close
They had the right product that fit the situation and 21 days from application to closing!
Todd
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From our AE to closing support
From our AE to closing support, it ALWAYS goes smoothly. You guys are top rated.Get us more programs so we can bring you more business.
Kurt Heide
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I had an incredibly smooth experience…
I had an incredibly smooth experience with SmartFi Home Loans. Their team made the reverse mortgage process simple, transparent, and stress-free. If you're looking for professionalism and efficiency, I highly recommend them!
Ben Holder
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I do like working with your company
I do like working with your company, however on the Choice portfolio loan I feel like I did alot of the work and your company made most of the monies....I truly feel the broker should be compensated better on this product.
maureen stapp
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Great Team
Channon Miller and Faith Gates were amazing to work with. Channon was ahead of the game and notified me first, she always returned my calls and made sure I was aware of all of the conditions that needed to be cleared. Faith was very responsive and helpful. I will look forward to the next deal.
Billie Jo Simoneau
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Todd Lansbach
Todd Lansbach, our account rep always makes the process easy for us. Great communication and consistently ahead of hurdles with solutions. Thank you!
Michael Wagner
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A True Partner in Patience and Trust
Some loans take longer than others, and this reverse mortgage was a perfect example...a journey that spanned nearly three years, not due to qualification issues, but simply the time it took for the client to feel fully comfortable moving forward. During that time, she chose competitors, asked a lot of questions, and ultimately came back to me because of what mattered most to her: trust, honesty, and authenticity.Throughout the entire process, Smartfi Home Loans was nothing short of exceptional. Their patience, professionalism, and willingness to support the file, even after starts, stops, and changes, truly made the difference. Their underwriting and processing teams stayed responsive and committed, which allowed the client to move forward with confidence when she was finally ready.Smartfi isn’t just a lender that closes loans, they’re a lender that understands people, timing, and the importance of doing things the right way. Grateful to have them as a partner.
Rick Neal
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Josh has been responsive and works at…
Josh has been responsive and works at solving issues. Thank you Josh for the great work!
Armando Tautiva
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All parties involved communicate well…
All parties involved communicate well and quickly responded to my questions
Nick Palmer
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Choice Fixed!!!!
Moiz helped me structure and place a Reverse Mortgage for a homeowner in need that didnt meet standard FHA guidelines. Their Choice Fixed program fit the bill and change the course of direction for this particular homeowner during the holidays and onward. Excellent knowledge, constant follow up/help from start to finish. Great experience and will be using again.
David Fernandes
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This was my first experience and it was…
This was my first experience and it was a great one. Billy Benedetto was always accessible, easy to reach, and straightforward to talk to. The whole transaction was smooth from start to finish, and I’m sure a lot of that comes down to having the right rep. Highly recommended.
David De La Torre
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Processor was a delight to work with …
Processor Faith was an absolute delight to work with. Very knowledgeable and efficient.
David E. van der Werff
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Common sense is back!
These guys just get it! I love working with a company where relationships still matter. Jonathan and crew take the time to understand the client and always do what they say they will. What else is there?
Anthony Byrnes
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Working with Jennifer Rodriguez and…
Working with Jennifer Rodriguez and Scott Clark was a real pleasure. Both of them were incredibly responsive and they made the process feel like working with a great team.
Thomas Kerrins
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Amazingly smooth process for reserve mortgage!!
Scott and his team are awesome to work with. They just helped me close a reverse mortgage in 20 days! Amazingly smooth process for reserve mortgage!!
Audra Bargy
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Laurel and Faith were great to work…
Laurel and Faith were great to work with, knowledgeable and great communicators. So happy we got to work together, they made it super easy.
Luis
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Amazing Teamwork
Faith Gates and Todd Lansbach are always amazing to work with as they assist in finding the solution and how to get across the finish line. Today's files seem to keep getting more challenging and it truly takes teamwork and collaboration to get the job done. Faith and Todd go above and beyond and are truly appreciated.
Diane Borden
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Great lender is as great as its Account…
Great lender is as great as its Account Executive vice versa. Diamond, the AE at SmartFi Home Loan, is the PERFECT fit in that puzzle. She made Ambassador Mortgage looks like a king during our Reverse Mortgage transaction! We deliver with confidence knowing the information received is accurate! JOB WELL DONE Diamond!
Jude Avril
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Every team member does what they are…
Every team member does what they are supposed to in a professional way to try to make the process as smooth as possible, which makes Smartfi easy to work with.
Todd Woodcock
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According to TrustPlane, Smartfi Home Loans, LLC has a 4.7/5 rating based on 50 verified reviews as of April 2026. Source: trustplane.app/company/smartfihomeloans-com