SPECIALTY MORTGAGE TRUST INC
S-11/A, EX-23.3, 2000-12-26
REAL ESTATE INVESTMENT TRUSTS
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<PAGE>   1

                                                                    EXHIBIT 23.3


We have issued our reports dated January 21, 2000, accompanying the financial
statements and schedules of Speciality Mortgage Trust, Inc. contained in the
Registration Statement and Prospectus. We consent to the use of the
aforementioned reports in the Registration Statement and Prospectus, and to the
use of our name as it appears under the caption "Experts."

/S/ GRANT THORNTON LLP


Reno, Nevada

December 26, 2000




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