America’s Trusted Mortgage Company

Our mission statement is to demonstrate leadership through integrity, trust, knowledge and dedication to our clients and business partners.

Purchase Quote

Get a free quote to purchase a new home in as little as 10 minutes

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Refinance Quote

Get a free quote to refinance your home in as little as 10 minutes

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Free Consultation

Get a free consultation and speak to one of our loan officers today

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We Make Home Buying or Refinancing Simple

About Us
Our Values
Our Team
Our Giveback

Realize Your Homeownership Dreams

Purchase A New Home

The housing market is hot right now. That makes choosing the right mortgage company more important than ever. Gain an advantage on the competition by working with us.

Amazing Loan Options

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Refinance Your Home

What does it mean to refinance your mortgage? Refinancing your mortgage is essentially replacing your current mortgage with a new one at different terms. Whether its to lower your rate, take out cash or consolidate bills, refinancing your mortgage can help improve your overall financial status.

Calculate Your Savings

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Get A Pre-Qualified Home Refinance

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Improve Your Financial Position

#Technology

Our Benefits

Begin your mortgage journey with Lend Smart Mortgage. Use our secure mobile or online application and get real time updates on how your loan is doing.

Want to go mobile?

Download the app for even more features like secure mobile document scanning and payment calculation.

  • Calculate payments easily
  • Securely scan & upload docs from your phone
  • Message your loan officer instantly
  • Get updates as you go
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#Featured

Home Loan Programs

(Conventional, FHA, VA, USDA, Jumbo, Reverse Mortgages)

View All Loan Options

#Featured

Latest Offers-Events

#Testimonials

We Love Our Customers

Hayden V.
Hayden V.
tom was great!! made everything super easy! would recommend to all family and friends
Moses D.
Moses D.
Good works deserves good recommendation, I appreciate the effort of Mrs nancy robert for helping me manage my investment. Profits is been made weekly as she promised, i invested $500 and now making $6,200 weekly, All thanks to her, wouldn’t have been easy but she made me and my Family smile, Send her a DM and thank me later
WhatsApp number; +13198204277 Email: [email protected]
Michael H.
Michael H.
Philip went out of the way to communicate, advise and provide information to help us achieve the best result possible. He hit it out of the park!
Annie R.
Annie R.
This is the second time in the last five years I have worked with Colin Cherry and it was a breeze. Colin is extremely knowledgeable about the process and knew how to apply to get me the best savings and the most money from our cash out refinance. Everything they needed from us easy to upload and signing was extremely simple and time appropriate. Thanks Lendsmart!
Dan M.
Dan M.
Great people to partner with. Highly recommend!
Angelica H.
Angelica H.
Thanks Maxwell and Lend smart team, highly recommended 👍🏽
RJ C.
RJ C.
Talia diligently followed through on every item on the task list.She kept everyone up to date with text messages and emails.Closing day went very smoothly because Talia kept everything on schedule every day. Of the process.
Kaltun M.
Kaltun M.
Working with John was something i cant find words to describe! He made buying my first home a blessing!My best interest was a priority for him. I felt he was a family honest, caring and he is trust worthy!For me he was the one and only!He was prompt in communicating and was always willing to answer any questions I had and was willing to take the time to explain the ins and outs of the loan and the loan process. He made my experience of buying my first home so easy! I can't say enough about my experience working with John. I will be recommending him to anyone I know needing a lender!
Amanda Margaret Van W.
Amanda Margaret Van W.
Colin was great! This was our first home purchase and we love that we were kept informed, the information was easy to access, and we were able to get answers to all of our questions along the way from a human who cared.
Rob C.
Rob C.
Great to work for--very helpful and supportive
Carla R.
Carla R.
I loved the professional attitude, and Mr Ernest Jones was spectacular in all the communications we had; there were many!
His explanations on the process were very easy to understand. It definitely was a good experience. Lend Smart kept me informed all along the way. Thank you for your service. .
Jim F.
Jim F.
James Summers did a great job, everything went smoothly and in a timely manner.
Peter K.
Peter K.
I recently worked with Colin from Lend Smart Mortgage to buy my house. He was referred to me by a trusted realtor and I am extremely pleased with the process and results. Professional, patient, knowledgeable and friendly. I haven't used other mortgage apps before but I found it easy to use and safe.
Anastacio A.
Anastacio A.
Tony Machometa and his team were great right from the start. He was super responsive, he was able to give us the rate in the first call and it didn't change and there were no surprises all through the paperwork and the transaction. His entire team was on top of things and following up for documentation and paperwork - they made sure we closed and their reminders and follow-ups were super helpful as we had busy schedules ourselves. Always available when we had a question - we had an excellent experience! Don't hesitate call Tony Machometa - 1000% better than any of our previous experiences with Lenders!
Mikki S.
Mikki S.
Thanks to Colin Cherry at LendSmart, we were able to realize our dream with the least amount of stress possible. Colin’s ability to give us options was amazing! Having options gave us the confidence to move quickly and aggressively to realize our dream. He doesn’t take the easy route - he unlocked what I had been told was not possible. Thank you, Colin!
Christina P.
Christina P.
Patience, patience,patience…… this is what we were told we were gonna need. I can say that it took Lendsmart the same motto dealing with us. Lol in the long run (and I mean long) everything finally pulled together and we have the keys to our new build. After one mortgage company saying there was nothing that can be done to Max saying this isn’t impossible but it’s gonna be rough, he wasn’t lying. Just thankful we decided to stick this out and do what we had to do, definitely worth it.
Abdisalan F.
Abdisalan F.
John is my one person to go to when I need my home mortgage. John treat me as one of his family. He treated us respect and he made us part of his family. I wanna say, John thank you so much for making my dream come true, we wouldn't have a home if it was not you. You are the best.
Sarah B.
Sarah B.
Excellent experience with this group! Chris made my home buying experience less stressful than I anticipated, even in this crazy market! Would recommend to everyone!
Megan B
Megan B
Mallory was amazing and handled everything with great professionalism! She answered all my questions I had about getting my loan and was very friendly and pleasant to work with
John S.
John S.
Kelli was a wonderful loan officer. She kept us in the loop about everything the whole time. Anytime I called her, she was always available.
John G.
John G.
We had a great experience using this company. Talia Schalkle did an excellent job! I have worked with her several times and she always makes the process flow smoothly. Highly recommend using her and this company.
Andrew and Robin B.
Andrew and Robin B.
Tony and his team are amazing! They were so quick with everything! They kept us informed through the whole process and we had no hiccups because of it! Tony was only a phone call away with questions and told us everything. I would trust him to do my refinance or new mortgage any day! Thanks Tony and team!
Raquel S.
Raquel S.
Our case was very hard (extremely) it took lots of time, energy, a lot of knowledge and Lynette and her team handled it. YAY!! They were very knowledgeable about the assistance programs and loan programs we were using so when they hit a moat hill they plowed right through it!! They are terrific!!
Daniel F.
Daniel F.
David Cathrae and his team are top notch. Thank you all for keeping everything stress free for us by your leadership and open communication. We will without hesitation recommend you guys every opportunity we get! Natalie and Jeremy, you two went above and beyond for us by answering our questions in a timely and patient manner! You've made the process very easy. Thank you!
Drew L.
Drew L.
Max and team were great to work with, and very quick to answer questions which helped the process move along at a great pace.
Yee C.
Yee C.
Babette was very helpful in my loan process. She communicated with me throughout the whole process and made it so much easier. Thank you so much for everything.
Jim W.
Jim W.
Tony Machometa and his team were a joy to work with. They kept in contact when there was a change or how the process was going. We highly recommend Lend Smart Mortgage to any one needing a home loan or a refinance.
Sheri P.
Sheri P.
Charissa Myers, was amazing, going above and beyond for me. Listening and hearing my concerns and answering my questions, honestly. I highly recommend, Charissa Myers!
Emily L.
Emily L.
Wow. Just wow. I had a phenomenal time working with John Heinemeyer through lendsmart. I got his contact information from a family member and thought I would give him a call. I figured he would just give me what I needed and be on my merry way. But John went above and beyond all my expectations. I was a first time home buyer and he helped me through the process immensely. You could tell he cared about my wants and needs. He made getting a loan so quick and easy. He was very professional and was informative. If you are looking for someone who is down to earth, responsive, knows what they’re doing, and answers all your questions, it’s John!
Kirsten KJ Olson D.
Kirsten KJ Olson D.
So impressed with how smooth my loan process went. Could not be happier with my experience!
Danielle T.
Danielle T.
Bobby was very attentive and answered all of my questions. He walked me through each step and everything went smooth. I definitely recommend Lend Smart and Bobby! Thank you for your help!
Jeff and Angela Badgett (The Badgett F.
Jeff and Angela Badgett (The Badgett F.
Great experience. Steve works hard for his clients. He helps you make informed decisions. And, is very personable.I would highly recommend Steve and LendSmart Mortgage. Closing was quick and easy!!
Lisa Aranda G.
Lisa Aranda G.
Jason made our home buying experience so easy and painless! He communicated with us throughout the whole process and was always available to answer our questions.
Shonna M.
Shonna M.
The process was relatively easy and very fast!
Sury R.
Sury R.
We had a complex loan approval and Buffy patiently worked with us and the underwriters to get us the approval on time !
Eva G.
Eva G.
Flawless process from start to finish. Great interest rate and knowledgeable team.
AB K.
AB K.
Nate and his team in Duluth gently guided us through the process of purchasing our new home. Always accessible, Nate quickly responded to an emailed question even on a Saturday. We are grateful to them for working with a tight deadline. Highly recommend!
tenisha N.
tenisha N.
Our pleasure to work with you! ❤️
Aaron W.
Aaron W.
Dave is knowledgeable and communicates very well. I will use him again. Thanks Dave.
Dan B.
Dan B.
Efficient and great communicators!
Rick L.
Rick L.
I have been associated with Lend Smart Mortgage for over 6 years now. Initially as a business partner and an Employee since Nov 2014. Was happy to come on board with a great company filled with awesome people. The company is always growing and moving forward. If you need a home loan, be smart and choose Lend Smart!
Dira S.
Dira S.
Eric and LENDSmart made my refinancing easy, smooth and painless. He is professional and always available to answer any questions. I would absolutely recommend to anyone needing to finance.
John Barsness J.
John Barsness J.
Gregg did a phenomenal job helping me and my family get our mortgage set up to buy our first home! Gregg, Dan and Amy consistently kept me up to date on the progress of our loan, and we’re extremely helpful and informative. I definitely felt like I was in good hands working with them to purchase my first home. I would highly recommend using Lend Smart for anyone considering buying a home. We are very grateful for their leadership and guidance.
Lindsey B.
Lindsey B.
I just bought a house in Nampa, ID and I highly recommend Dave Cathrae and his team. They communicated very clearly and often every step of the way through phone calls, emails and text. I felt like they were truly cheering me on the whole process! I trusted them completely and knew they always had my best interest in mind! We are thrilled!
Jason G.
Jason G.
My experience with Tom Dolan and our refinance was fantastic! He explained everything along the way. His attention to detail with my loan, his patience with all my questions and customer service was second to none! Such a smooth process throughout. Thank you Tom!!
Cyndy D.
Cyndy D.
This group of people were fantastic to work with. They went above and beyond in order to get our closing done within 3 weeks. We have been trying to buy a condo for 2 years, and they were always available to help us out at a moments notice. Would definitely go through this company again in the future.
Peter S.
Peter S.
Turned to Bobby Murray for my refinancing needs. The handsome son of a gun took to it immediately and led me through the process! From inquiry to closing in no time flat!
Danica D.
Danica D.
A smooth process from start to finish to refinance our home. Natalie and her team (especially Jeremy) made communication easy. The team was with us every step of the way. Thank you for helping us achieve our financial goals! We are so happy we chose Lend Smart Mortgage.
Thomas A.
Thomas A.
Dan has always been up front, clear, and very helpful through the financing process. Even through the inevitable complications and hurdles that come, Dan is always there to present a clear path forward. During our most recent time working with Dan he was able to quickly react and help us during a refinance as we were attempting to work with our current mortgage servicer to do the same. Our mortgage servicer was less than helpful and not very responsive. We decided to contact Dan instead and he was able to put our refinance in process before our servicer ever got around to replying to a simple question we had asked. Simply stated: If you want to get things done right and in a timely manner, get in touch with Dan and you will not be disappointed.
Brad G.
Brad G.
Thank You Mike Ruhland! Thanks for making my dream house come to life and wrapping up my loan in such short notice. Mike and his staff came through for me when others could not and I am extremely satisfied with how the process went. Thanks again on a job well done!
Shay P.
Shay P.
Phil from Lendsmart in Hermantown made me a very excited & confident first-time home buyer. From the get-go, Phil made us feel comfortable, doing a great job explaining the process as basic or as specific as need be. He & Teri were both very quick to give or ask for information as it was needed, even outside of office hours. They did everything they could to make the buying process quick & painless. Thank you again!
Cesar De La C.
Cesar De La C.
Working with Rameen Qader was more than a pleasure. I was both the buyer's agent and the buyer for the particular transaction. On the agent side I recommend Rameen to all my clients. She made me and my wife aware of every step in the process. She even thought ahead and asked for documents we would in the future. Because of this, we were ahead of schedule in our closing. The best part is that I got money back on the day of closing. Apart from being great to work with she has a great warm personality and is always willing to help.
Caitlin de la C.
Caitlin de la C.
Rameen was very helpful and we felt confident leaving our information and trust in her hands to walk us through the mortgage process. Highly recommend
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#Calculate

Find Out What You Qualify For

$

5%

0%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.

#Locations

Licensed States

We are always looking to expand our ability to service more customers in more states. If you are a senior loan expert looking to open your own branch or if you just want to join a stellar company then Click Here

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC

*All Blue States Are Where Lend Smart Mortgage, LLC is Licensed

*All Green States Are Where Lend Smart Mortgage, LLC is Pending License

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  • We Support Our Veterans!
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  • Over 20 Years of Mortgage Experience
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  • Specializing in Home Refinance Solutions
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