Home Purchases & Refinances

 At Smarter Mortgage, we want you to have the best experience possible when buying your future home. We understand the issues and stress that can arise during this process, which is why Smarter Mortgage was created. We focus on leading our industry, whether it be the best pricing or the outstanding service and care we give our customers throughout the process.  

Loan Products & Programs

  • Fixed & ARMs
  • Home Equity Line of Credit Loans 
  • FHA Loans
  • Conventional
  • VA Loans
  • Jumbo
  • High Balance


 Roman Ortiz, Sr. Loan Officer of Smarter Mortgage has a long record of successfully guiding local, national, and multi-national clients through the sometimes tedious mortgage loan process. He is exceptionally well-respected for his unparalleled professional track record and high ethical standards, epitomizing integrity, energy, hard work, and creative thinking in every detail of a mortgage transaction. 

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NMLS ID: 263734


6349 S. Padre Island Dr

(361) 438-4393


Monday - Friday: 9am - 5pm

Saturday: By appointment

Sunday: Closed