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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We Make Home Buying or Refinancing Simple

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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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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.

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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

Ryan M.
Ryan M.
Colin Cherry made refinancing my home a breeze! Quick, transparent, and great communication. Would recommend and use again in the future!
Dan M.
Dan M.
Great people to partner with. Highly recommend!
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!
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
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.
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!
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!!
Dan B.
Dan B.
Efficient and great communicators!
Hayden V.
Hayden V.
tom was great!! made everything super easy! would recommend to all family and friends
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.
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.
Tristin W.
Tristin W.
Heidi Fisher with Lend Smart Mortgage, LLC was great to work with for my first mortgage loan. She was knowledgeable and professional. Definitely recommend her for anyone looking to buy a home!
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.
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!
Clinton R.
Clinton R.
Natalie did an excellent job with my home loan and I give her the highest possible recommendation. She was very easy to communicate with, always made herself available for questions and had a friendly, eager to help attitude from start to finish. Professional and knowledgeable, I felt like I was in capable hands throughout the entire process. Natalie will be my first call next time I need a lender.
Megan S
Megan S
Natalie helped with our mortgage on our first house and was very communicative, quick to respond and kept us up-to-date on the process throughout
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!!!
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!
Brian C.
Brian C.
Colin guided us through every step with clear explanations. He brought his wealth of expertise to our situation and treated us with kindness. It was so very clear he put our needs first. We could not have asked for better.
Terry D.
Terry D.
Mallory is absolutely wonderful!I have never had such a pleasant & stress free experience on a mortgage before.I know a lot of work was going on that I didn’t see, but Mallory made it so easy for my wife & myself I almost feel guilty.Mallory kept everything moving quickly throughout the entire process and she responded to every question & concern amazingly fast.Mallory & her team were fantastic from start to finish.Thank you!
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!
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.
Edward S.
Edward S.
Meshelle Duhon provided nothing but great service from the beginning to the end. I was so nervous about the whole buying process but her great communication and knowledge made me relaxed. The communication was everything for me which she found the dream home I was looking for within a couple of days!
Matthew D.
Matthew D.
We just can’t say enough about how Natalie went above and beyond to make our loan work for us. I can only imagine the behind the scenes hard work and extra hours she spent making our loan work for us. Natalie is not only very professional and very knowledgeable in her work but is also a very personable person and has excellent communication ethics. She would either answer her calls or would return my calls in a very timely matter, usually within several minutes or that same day. She didn’t make us feel like we were just another client number but treated us like new friends. There isn’t enough stars to give her and will recommend her to anyone that needs her service.
Jessica D.
Jessica D.
I HIGHLY recommend Mallory from Lendsmart! She is truly the sweetest person and goes above and beyond to help you in any way she can. She helped us purchase our first home and really walked us through every step of the way, keeping us in the loop, explaining details so we could understand (and multiple times over) and always got back with us so promptly - which is always the NICEST thing to have. She truly is such a wonderful person and is amazing at her job. She made purchasing our house (from out of state!) go so smoothly. I could not recommend her more!
Heidi A.
Heidi A.
A big shout out to Natalie Faith Hill at Lend Smart Mortgage, you were such a joy to work with and kept me on track the whole time throughout my home buying experience. Natalie was always incredibly organized, efficient, patient, and quick to reply to questions. Natalie and Phil Burgeson were able to get me an amazing rate and even helped to accommodate fees when building delays were out of my control. Thank you for all of your amazing service. I would recommend Natalie & Lend Smart in a heartbeat.
Rogdrick C.
Rogdrick C.
I worked with Joe Hoff on a refinance. It was a 10/10 experience. He was patient in answering all of my questions, and he made the process as easy as possible. I give him and Lend Smart my full recommendation for all mortgage needs.
Julian R.
Julian R.
What a pleasure it was to partner with Dave in the recent purchase of our new home.He is knowledgeable and qualified to answer all of our questions in a timely manner, and guided us through the unforeseen challenges that pop up during a mortgage process.We would not hesitate at all to recommend him to our friends and family. Thank you Dave!!
Carly S.
Carly S.
Colin Cherry with Lend Smart was absolutely amazing! He took the time to answer all of our questions and clearly explain the process. If you are looking to purchase a home, I would highly recommend Colin!
Michael R.
Michael R.
Hit some snags as is common in the buying process but Phil was always available, patient, informative, thorough, and working hard to get our loan closed. Will use in the future for sure.
Lisa S
Lisa S
Tim Beaudoin did an excellent job. Very informative and great communication.
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]
Tom D.
Tom D.
Great Service! Phil Burgeson made the process of obtaining a home loan easy and painless. He was knowledgeable and offered many differing options to our home finance needs. He presented us with reasonable solutions to our complex mortgage loan issues. I would recommend Phil and his team to any of my friends and family. In fact, he is now working with my son and daughter-in-law on securing a home loan for them. Two big thumbs up for Lend Smart Mortgage and the Phil Burgeson team.
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.
Kirsten KJ Olson D.
Kirsten KJ Olson D.
So impressed with how smooth my loan process went. Could not be happier with my experience!
Michael D.
Michael D.
Phil and his team were very professional, helpful, cheerful and overall very good to work with. They made our refinancing process go incredibly smooth and they provided prompt answers to all of our questions and concerns.
khan L.
khan L.
Huy has over 20 of financial experience! He was a great help in my new journey as a homeowner! Please don’t hesitate to go to him!
Rob C.
Rob C.
Great to work for--very helpful and supportive
Forest R.
Forest R.
shout out to John and Charissa they were awesome. so patient with us and made everything a breeze. Thank you so much.
Jen H.
Jen H.
Max and his team are great to work with. Fast and efficient and are much more then just a lending company. Will continue to use this group in any future endeavors. Thanks Max Trader and team!
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. .
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!
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.
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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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Rice Lake

Rice Lake's Trusted Mortgage Professionals

  • 20 + Years of Mortgage Experience
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  • Home Refinance Specialists
  • First-Time Home Buyer Specialists
  • Veterans Affairs Loan Specialists
  • Conventional Loan Specialists
  • USDA & Specialty Loan Programs

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