BBB Accredited Business since

Smart Mortgage Centers, Inc.

Phone: (630) 904-1800 Fax: (630) 904-1010 4003 Plainfield Naperville Rd STE 207, Naperville, IL 60564

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Smart Mortgage Centers, Inc. is a mortgage broker which assists individuals in purchasing or refinancing a home through a mortgage or reverse mortgage. This company serves Illinois and the greater Chicagoland area, including Schaumburg, Naperville, Evanston, Skokie, Tinley Park, Oak Park, Park Ridge, Crystal Lake, Arlington Heights, Rolling Meadows, Mt Prospect, Prospect Heights, Romeoville, Bolingbrook, McHenry, Lake Villa, Villa Park, Winthrop Harbor, Zion, St Charles, Geneva, Wheaton, West Chicago, Warrenville, Aurora, Carpentersville, Bensenville, Bolingbrook, Burlington, Lake Bluff, Deerfield, Highland Park, and Buffalo Grove. Services available from this company include mortgages, reverse mortgages, mortgage calculators, home financing information and advice, and mortgage consultations.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Smart Mortgage Centers, Inc. meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for Smart Mortgage Centers, Inc. include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 1 complaint(s) filed against business
  • Resolution of complaint(s) filed against business

Customer Complaints Summary Read complaint details

1 complaint closed with BBB in last 3 years | 0 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 0
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 1
Total Closed Complaints 1

Customer Reviews Summary Read customer reviews

28 Customer Reviews on Smart Mortgage Centers, Inc.
Customer Experience Total Customer Reviews
Positive Experience 28
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 28

Additional Information

BBB file opened: January 05, 1998 Business started: 02/01/1997 Business started locally: 02/01/1997 Business incorporated 02/11/1997 in IL
Type of Entity


Business Management
Mr. Rich Birk, President/Owner
Contact Information
Principal: Mr. Rich Birk, President/Owner
Number of Employees


Business Category

Mortgage Brokers Reverse Mortgage Mortgage Lender Financial Services Mortgage Bankers Financing Consultants Real Estate Consultants Real Estate Services Mortgage And Escrow Companies Financing Loans Loans - Small Business Real Estate Loans Mortgage and Nonmortgage Loan Brokers (NAICS: 522310)

Customer Review Rating plus BBB Rating Summary

Smart Mortgage Centers, Inc. has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of A+.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • 4003 Plainfield Naperville Rd STE 207

    Naperville, IL 60564


BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

6/24/2013 Problems with Product/Service