About SmartFin USA

Think of SmartFin USA as a place to compare, not a place to borrow. We bring homeowners and a network of lenders together in a single online form, so different offers can be lined up next to each other and weighed at your own pace, with no commitment either way.

We are not a lender

Let's be clear about what we are and aren't. SmartFin USA does not lend, does not act as a broker, and does not give financial advice. We issue no loans, take no deposits, and weigh in on nobody's credit. Our role is that of a marketing affiliate: we introduce homeowners to a network of lenders who may offer mortgage refinance, home equity, and debt-consolidation refinance products. Whatever offer reaches you originates with a lender in that network and reflects that lender's own terms.

How SmartFin USA works

It starts with one brief online form, where homeowners share the kind of detail lenders in the network generally rely on to put an offer together. From there, SmartFin USA points that detail toward lenders whose products may suit the circumstances, allowing several offers to sit side by side for comparison. The form itself is not a loan request. Each lender in the network reaches its own credit decision against its own standards, and may ask for further detail before putting any offer or terms on the table.

Our editorial approach

We make no pledges about particular savings or particular rates, and we cannot say that any given person will be paired with, or taken on by, any given lender. Nothing here amounts to financial, legal, or tax guidance, and none of it should be taken as a nudge to refinance or to settle on one product over another. Before deciding anything, homeowners may want to read a lender's terms in full and could find it worthwhile to talk things through with a qualified professional.

Compliance and licensing

SmartFin USA keeps to the compliance standards shared across its lender network, including the marketing rules that govern how refinance and home equity products may be advertised. A note on licensing: the loan products available through the network are private offerings, and SmartFin USA holds no tie to any government agency.

Get in touch

Wondering how the comparison runs, or what happens with your information? Head over to our contact page.