Smartfi Home Loans is a wholesale-only reverse mortgage lender serving mortgage brokers, banks, and credit unions. The company helps mortgage professionals add reverse mortgage options to their existing services, with wholesale business licensed in more than 40 states. Its offerings include FHA-insured Home Equity Conversion Mortgages (HECMs) for eligible homeowners aged 62 and older, as well as proprietary Smartfi Choice products. These include adjustable- and fixed-rate loans, a program for veteran borrowers, and options for purchasing a home without monthly mortgage payments. Borrowers remain responsible for property taxes, insurance, applicable HOA fees, and property maintenance.

Smartfi supports partners throughout the lending process. Its ROSS service handles loan processing from origination to closing, while Sales Co-Pilot provides access to a licensed reverse mortgage professional for strategy, borrower calls, and sales guidance. Concierge support can join borrower conversations, explain loan illustrations, and answer family questions under the partner’s brand. Smartfi also offers product comparisons and a scenario tool to help professionals estimate potential proceeds.