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
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#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.

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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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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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Meet Our Loan Experts

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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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Meet Our Loan Experts

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Improve Your Financial Position

#Featured

Home Loan Programs

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

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#Featured

Latest Offers-Events

#Testimonials

We Love Our Customers

Joshua H.
Joshua H.
My wife and I bought our first house with Phil. He has always answered any question we have had about financing. When my wife and I decided we wanted to look into refinancing, we went to Phil and he did an amazing job of walking us through everything and helped us get what we wanted in rate and payment. I recommend Phil to all my friends and family. I would never go anywhere else for my lending needs! Thanks again Phil!
Scott S.
Scott S.
We started our process electronically after contacting Lendsmart on December 29. The process went smoothly and we closed on January 19th. Max Trader kept us informaed every step of the way and was very professional. Our final outcome was a refinance of our current loan and cash out from the equity. Our loan rate was very good and the closing costs were exceptionally low compared to our other mortgage transactions.
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!!
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!
Tommy R.
Tommy R.
Great service
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.
Matt S.
Matt S.
Troy and his staff were very helpful and made our lending experience easy and comfortable. My wife and i will highly recommend him to everyone.
Kirsten KJ Olson D.
Kirsten KJ Olson D.
So impressed with how smooth my loan process went. Could not be happier with my experience!
Olga C.
Olga C.
It was a pleasure to work with Mallory! VeryNice, pleasant, helpful person. I can’t thank her enough for all her help.
Dan B.
Dan B.
Efficient and great communicators!
James E.
James E.
I was checking mortgage companies on line and as a result I was bombarded by calls from everywhere. One time I answered the phone and it was David Strom from Lend Smart Mortgage. Dave is not your typical high volume sales rep and I felt like he was actually trying to help me. He got me going with my refi and made sure I knew he was going to keep close watch on my mortgage application and process. His company has a series of on-line videos that he directs you to during the process and I always felt he was on top of things. My new mortgage closed within a month. His supporting staff Amy and Lola were great too.
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!
Casey T
Casey T
Colin Cherry is great to work with. Closed fast and is extremely professional in every aspect of his business. This is the lender you have been looking for!
Joe B.
Joe B.
Great guys!!! if you need a home loan they will pull out a miracle for you ask for Tonius Frank and you will be helped with dedication and respect.
artur R.
artur R.
First I want to say THANK you MELLORY FOTIADES for being a great person and agent of LEND SMART MORTGAGE,LLC. Nowdays in the area where I was lookoing for housing, the prices are skyrocking, tryed 4 mortgage companies, and only LEND SMART pre approved us for the price of the house of my dreams!!! The process went nice and smooth, still can not belive it!!! Mellory was always there for our needs!!!! God bless you and the whole team that made my dream come true!!! Thanks again!!!LEND SMART ROCKS!!!
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
Dan M.
Dan M.
Great people to partner with. Highly recommend!
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.
Debra M.
Debra M.
Great service
Lue Y.
Lue Y.
I have great experience with Lend Smart Mortgage. I worked with Colin Cherry two times now and he had helped me through it all. They are extremely knowledge at finding the best way to help you purchase a home and refinance. Reach out to them if you need home consultation.
Rob C.
Rob C.
Great to work for--very helpful and supportive
Brandon H.
Brandon H.
My wife and I recently refinanced our home with the help of Alesha. Throughout the entire process Alesha kept us informed on what was needed from us and answered any questions that we may have. Alesha checked in often and worked to ensure that we were able to save the most money that we could. I wasn't sure what to expect when we started the refinance process but this was very stress free. For anyone looking to refinance or purchase a home, I highly recommend reaching out to Alesha.
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!
Paul K.
Paul K.
During this past year we have tried to refinance our house and two rental properties two instances prior to working with Bill Trader. In both prior cases the loan officer or company was either fraudulent or incompetent. I have experienced neither with Bill. He is always up front with the process, promptly responds, and gently encourages us with our own action items. When interest rates began rising, Bill suggested we lock in quickly, which we did. Fortunately now that we have closed two loans and near the end of another, our loan interest rate is much lower than if we had waited to lock. Bill understands this business and works hard to close quickly with minimal cost and worry to those of us seeking these new lower rate loans. Thanks Bill!
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.
Lacey U.
Lacey U.
Melissa makes things so streamlined and simple. The refinance was a breeze and went without a hitch. Thank you Melissa for your professionalism and the confidence we can have working with you!
Chris N.
Chris N.
A BIG thank you to Colin Cherry for taking the time to help us refinance our home. We were very happy with how quickly and smoothly he got everything done. We will definitely be sharing his info with people who are looking to refinance their home.
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]
Nona N.
Nona N.
I’m grateful that I was referred to Mike. His expertise with VA Home loans really made a difference with my particular situation. VA home loans can be tricky and intricate and it’s imperative when using your va home loan benefit that the lender be knowledgeable and knows what they are doing. Well, I assure you Mike knows what he’s doing.I recommend Mike to veterans and their family members for their va home loan needs. I will be recommending Mike to all veterans to assist them with their va home loan benefits. I know they will be taken care of.Thanks Mike!!!
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. .
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!
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.
Stuart R.
Stuart R.
Colin at Lend Smart was great to work with! He made sure he understood our selling and buying circumstances, and he worked hard to put together an excellent financing package for us. We would not hesitate to do business with him and Lend Smart again.
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.
Hayden V.
Hayden V.
tom was great!! made everything super easy! would recommend to all family and friends
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#Calculate

Find Out What You Qualify For

5%

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly Insurance $1421

Monthly HOA $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

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Weekly Branch

Columbia

Columbia's Trusted Mortgage Professionals

  • 20 + Years of Mortgage Experience
  • In-Process Milestone Videos Sent to You
  • Home Refinance Specialists
  • First-Time Home Buyer Specialists
  • Veterans Affairs Loan Specialists
  • Conventional Loan Specialists
  • USDA & Specialty Loan Programs

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