Rhett Duleba
Get to know me
Smart Mortgage: Simplifying the Home Financing Journey With decades of experience and a commitment to clarity, transparency and service, Rhett Duleba and his team at Smart Mortgage are making the home loan process smarter—just like their name suggests. Based in Waxhaw, Smart Mortgage is a fully licensed independent mortgage brokerage serving clients across North Carolina. The company is known for its hands-on approach and dedication to educating borrowers and delivering exceptional service to bo
My experience
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Brokerage info
What you can expect from me.
Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.
I like to keep things transparent and simple. I invite clients to a quick Microsoft Teams meeting where I share my screen and walk through their exact loan scenario together. I only do a soft credit p
Clients can expect honesty, clear communication, and a smooth process from start to finish. I take the time to explain every step, answer questions, and make sure they understand all their options. My
I actually encourage it! Getting started early gives clients a clear picture of what they can comfortably afford and helps them shop with confidence. It also means we can handle all the paperwork and
Over time, I’ve built strong relationships with real estate agents, builders, and other professionals who share my commitment to great service and clear communication. I’m always happy to connect clie
I charge a flat fee of $3,500, which is well below what most other brokers charge. Unlike many brokers, I don’t get paid by the lender, so my clients always get the very best rates possible. This appr