# Click n’ Close

> Click n’ Close is a U.S. mortgage lender serving brokers, correspondent lenders and consumers through digital closing, down payment assistance and specialized home loan programs. Formerly Mid America Mortgage, it combines eNotes and in-house servicing with SmartBuy assistance, construction-to-permanent financing and Section 184 lending through 1st Tribal Lending.

- **Founded:** 1959
- **Headquarters:** Addison, United States
- **Founders:** Jeff Bode (Founder and CEO of the modern business; acquired the predecessor in 2010)
- **Products:** SmartBuy, SmartBuy Shared Appreciation Mortgage, One-Time Close, eClosing and eNotes, 1st Tribal Lending
- **Notable:** Reported savings of upwards of $300 per loan file from technology and digital processes at the June 2022 rebrand., Barr Group reported its first two eNote program loans purchased the day after closing in February 2023., Announced a Freddie Mac-approved 30-year conventional shared-appreciation option in February 2025.

## Products & services

- **SmartBuy** — Down payment assistance paired with eligible mortgage financing; published overview describes up to 5% assistance and forgivable or repayable options. Underlying loan rules and current matrices apply.
- **SmartBuy Shared Appreciation Mortgage** — Repayable assistance and below-market first mortgage pricing in exchange for a portion of early home appreciation; launched in April 2024 and expanded to a Freddie Mac-approved 30-year fixed conventional option in February 2025.
- **One-Time Close** — Construction-to-permanent financing joining land, construction and a permanent mortgage in one transaction; current announcement covers FHA, VA, USDA and Section 184 loan types.
- **eClosing and eNotes** — Electronic closing and promissory-note processes, including a non-delegated correspondent program documented through Barr Group Mortgage.
- **1st Tribal Lending** — Division specializing in HUD Section 184 home financing for eligible Native American borrowers.
- **Reverse mortgages** — Direct borrower lending channel retained following the 2022 retail divestiture.
- **Loan servicing** — In-house servicing for retained mortgages; the servicing division went live November 4, 2019. Servicing may also be transferred.
- **Click n’ Close Title** — Affiliated title services business operating since 2019; its locations page lists licensing in six states.

## Achievements

- Reported savings of upwards of $300 per loan file from technology and digital processes at the June 2022 rebrand.
- Barr Group reported its first two eNote program loans purchased the day after closing in February 2023.
- Announced a Freddie Mac-approved 30-year conventional shared-appreciation option in February 2025.
- Announced tripling of dedicated One-Time Close warehouse capacity in November 2025, without disclosing dollar capacity.
- Announced USDA Top Wholesale Lender recognition in July 2026.
- Named a 2026 Top Employer for Women by Mortgage Women Magazine, according to its October 21 announcement.

## Latest updates

- **2026-10** — Announced Mortgage Women Magazine 2026 Top Employers for Women recognition on October 21; reported 336 employees and nearly 64% women.
- **2026-10** — Correspondent purchase advices moved into Mortgage Machine for loans purchased beginning October 1.
- **2026-09** — Named Blake Priest director of whole loan trading, including scratch-and-dent purchasing.
- **2026-07** — Announced a USDA 2026 Top Wholesale Lender award.
- **2026-06** — Appointed Merv Govender chief information officer.
- **2026-05** — Appointed Amy Azorandia chief compliance officer.
- **2026-04** — Named Delores Lopez chief operating officer.

## Links

- Website: https://www.clicknclose.com/
- LinkedIn: https://www.linkedin.com/company/click-n-close-inc/
- Twitter/X: https://twitter.com/click_n_close
- Facebook: https://www.facebook.com/clickncloseinc

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Profile page: https://yespress.io/click-n-close
Published by YesPress — https://yespress.io
Last updated: 2026-10-25