Plan Smarter, Qualify Faster
You’re Closer to Homeownership Than You Think
SmartCents is a safe, private tool that helps you see exactly where your money’s going, what’s impacting your loan approval, and how to find an extra $200–$300 a month to expedite or maximize your loan approval.
- No judgment
- No credit pull
- No sales pitch
Just real time insights on your spending, so you can take control of your home buying experience.
Clarity that turns into progress.
Managing your finances doesn’t have to be complicated. SmartCents brings everything together—your spending, savings, and debt—to give you a clear picture of where you are and how to get where you want to be.
Key features
Everything you need to make a smart home purchase
Spending Insights
- Get a clear picture of your spending habits with automatic categorization and monthly insights.
- See where your money goes and discover new ways to save.
Smart Budgeting
- Set personalized financial goals like paying off debt or saving for your down payment.
- Track your progress in real time and stay motivated as your savings grow.
Home Affordability Estimator
- Estimate the total costs of becoming a homeowner from down payment to closing fees.
- Understand how much home you can afford based on your income, savings, and budget.
Pre-Approval & Expert Guidance
- Receive a pre-approval letter right from the app, then connect directly with a loan officer for personalized advice to move forward with confidence.
How it works
Smarter steps to owning your home.
Connect securely
Securely link your bank accounts through Plaid to sync your financial data in minutes.
Know your home affordability
Get an instant snapshot of what you can afford today and discover where you need to be.
Boost your buying power
Receive actionable, personalized insights to improve your standing so you can buy sooner.
Ready to take the first step toward smarter homeownership?
Made to empower you
Designed to make financial planning simple and stress-free.
Bank-grade security
Your data is protected with top-level encryption.
Won't sell your personal data
Privacy matters. We'll never sell your personal information.
No hidden fees
Simple, transparent pricing, no ads, no surprises.