About Smarter Mortgage

Why Should You Choose Us?

The decision to make a purchase of a new home, refinance your existing property, or find a trusted partner to service your clients’ lending needs is one not made lightly. This decision will likely affect you for years to come. That is when you’ll need to ensure a mortgage broker who:

  • Shops around for a rate that will work best for you in the long run
  • Partnered with strong, long standing individuals / entities
  • Make the process transparent and as easy to understand as possible
  • Has the experience to adapt to not only your unique needs but that also of today’s ever changing market

David Carriere at Smarter Mortgage is your mortgage broker. He will ensure to handle your needs with the care, dedication, skills, and the transparency you deserve.

We offer various

Mortgage Loan Programs

Whether you’re purchasing your first home, additional property, or looking to refinance  David Carriere and his team at Smarter Mortgage have you covered. Below are a list of loans we cover: 

  • How do I know if I am able to buy a home?

    Take the leap and speak to an experienced loan officer that can either guide you through the process or set you on the path to get there.

  • Can I qualify with credit problems?

    Well there are many tools an experienced loan officer that can teach or help you get to the point where you can buy the home you have always wanted to obtain for your family!

  • How do I know how much I can afford?

    If differs for every person. Only an expericenced Loan Officer knows how to calculate your income properly. There are many things that most consumers don’t know that can be used for income. The best thing is to utilize the experience and knowledge of an experienced loan officer

  • I have always been told that I need to bring 20% down payment

    With new programs you can bring as little as 3% down payment and closing costs can be negotiated into the contract to help.


People Are Saying


Jay Knickerbocker


Working with David can’t even be called “working” honestly…. He is so diligent I felt like the whole process was automated! He does not over promise… but he definitely over delivers!


Cody Simpson


Excellent and Fast service! Quick Response and replies to any and all questions/concerns! Honesty is his best quality, and he does everything he can to get you the best deal! 5 star service all day, everyday, no matter what time of day.


Michael Jenkins

Texas Solar Broker

I have been working with David for about the past 5 months, and in this short time period I realized very quickly that David is point blank just great at what he does. His professionalism, knowledge, and straight shooter approach is second to none and greatly appreciated. I highly recommend David Carriere as a lender without any reservation whatsoever. Thanks for all you do Dave!

Let's Start on Your Loan

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