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GetSmart Mortgage Refinance Review


ConsumersAdvocate.org Rating: 4.6 / 5 (Excellent)
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GetSmart is operated by LendingTree, a North Carolina-based lending exchange. GetSmart allows consumers to quickly determine whether they may be able to refinance their mortgage. It asks consumers basic questions about their home and existing mortgage and then connects them to LendingTree's network of lenders.
 
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How is GetSmart rated?

Breakdown

4.5/5
Loan Variety
4.5/5
Ease of Process
4.8/5
Customer Service and Reputation
4.5/5
Discounts and fees

Overall Rating: 4.6 / 5 (Excellent)

GetSmart quickly and smoothly pre-qualifies mortgage refinance customers before funneling them into LendingTree's mortgage shopping system. LendingTree offers a large network of lenders who do business in all fifty states. Each lender must meet LendingTree's quality standards, ensuring consumers a choice among solid banks and finance companies. Consumers can choose among a wide variety of loan types. These factors make GetSmart an excellent first stop on the path to mortgage refinance.

Loan Options

Lender Type
Marketplace
Loans Offered
Rate & Term
Cash-out
Loan Programs
FHA
VA
Conventional
HARP
Jumbo
Fixed Year Terms
30 Year Fixed
20 Year Fixed
15 Year Fixed
10 Year Fixed
Adjustable Rate Mortgage Terms
10/1 ARM
7/1 ARM
5/1 ARM

Loan Variety - 4.5 / 5

The lenders GetSmart and LendingTree refer customers to offer a broad array of mortgages. Fixed and variable rates are available. Customers have the option of a straight refinance or a cash-out arrangement. FHA and VA loans are available, as are HARP and jumbo loans. Because GetSmart and LendingTree are actually networks of lenders, few if any of their competitors give consumers as many options for mortgage refinance. However, because GetSmart is not a lender itself, information about maximum and minimum loan size and other loan conditions doesn't apply to it. Consumers are advised to research those factors themselves for any financial institution they are considering doing business with.

Application Process

Ease of Process - 4.5 / 5

The GetSmart prequalification process is straightforward and intuitive. Prospective borrowers are asked a series of questions, one per screen, about the kind of property they own, the balance of their original mortgage, the value of their property, their current credit score, their zip code, date of birth, address, name, email, and other details. It's reassuring that at all times during that process, customers are given the opportunity to talk to a live person to assist with the application. Once that information is complete, consumers can expect to be contacted by different loan providers. Since neither GetSmart nor LendingTree are lenders themselves, the particulars of the application for the loan will vary from bank to bank. The pre-qualification process, however, is a model of speed and simplicity.

GetSmart Reputation

Online Reviews

Trustpilot Trustscore
9.1
Date Collected
2019-01-04

Customer Service and Reputation - 4.8 / 5

LendingTree, GetSmart's corporate parent, virtually created the category of internet mortgage marketplaces and enjoys a good reputation among consumers. Its Trustpilot score is 9/10, which is unusually high for a financial institution. The complaints about it frequently reference the numerous phone calls and emails people receive from banks and finance companies who want their business. So long as consumers know to expect this, it's a happy problem to have.

Contact & Additional Information

Homepage URL
https://www.getsmart.com
Company Phone
(888) 246-4181
Headquarters Address
11115 Rushmore Drive, Charlotte, NC, 28277

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