America’s Trusted Mortgage Company

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

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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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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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#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)

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#Testimonials

We Love Our Customers

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!
Dan B.
Dan B.
Efficient and great communicators!
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.
Kari H.
Kari H.
Dan and everyone else involved were all amazing. Dan was there to walk me through each step and answer all the questions I had. Being a first time home buy was a little scary since I didn’t have much knowledge on the process or the different aspects of a loan. I came out of this all with much more understanding and I couldn’t have done it without Dan!
Kayla O.
Kayla O.
We had a really good experience working with Colin. It is clear he is very knowledgeable and good at what he does. Colin took the time to really educate me every step of the process and that is not something I have experienced before with other lenders. Hands down would work with Colin again in the future!
Georgine N.
Georgine N.
Everything went just as we had hoped it would and now we are in our new home
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.
Daryl W.
Daryl W.
I've been working with Jim Summers for a few years now. Originally I was looking in to home loans. So many people called me, trying to push their home loans on to me. Jim called me one day and thought, "here we go again". Jim simply asked me what I was looking for in a home loan. Then he did something the others didn't do, he listened. After I told him what I was looking for, instead of saying no you can't do that, he said he wasn't sure, let me look in to. He got back to me a day later with all the info I needed. That time and attention was exactly what I looking for. We then worked together on my home loan and soon after I bought my first house. Since then Jim has helped me refinance for better deals twice. It really is like working with a friend. Great job Jim, I can't wait until our next home buying adventure!
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. .
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!
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]
Aaron W.
Aaron W.
My experience with mortgages and lending have completely changed. If you're not bragging about your previous experience get in touch with John Heinemeyer.There are amateurs and professionals in every industry. John and Lend Smart Mortgage, LLC are the professionals.From my family, thank you for the experience,Aaron
Espie D.
Espie D.
Suzi & her team were amazing. They were extremely helpful from day one to closing of escrow. They really care about us. Highly recommended!
Andrew B.
Andrew B.
Dan Murray is a kind and patient mortgage officer and will work tirelessly to ensure you are set up for success.
Rebecca J.
Rebecca J.
I worked with Dan Murray out of the Roseville MN office to purchase a home in Florida and he was amazing! He knew all the answers to any of my questions and was always very involved in the process and always available. I would recommend him to anyone looking to purchase a home.
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.
Marie G.
Marie G.
Lend Smart and their team were very easy to work with. They were always very quick to respond to any questions or concerns we had. This was our first time building a home. Lend Smart was helpful, encouraging and attentive to our needs. I highly recommend the Lend Smart team!
Aric M.
Aric M.
Dave and his team have gone above and beyond to make sure our mortgage was financed. Even working over a weekend to make sure we wouldn’t lose the time line when some issues came up. Communication was thorough and everyone so helpful. It’s nice to have a local person who cares and is willing to do what is in your best interest instead of a large bank who looks at you as number and a bottom line. Dave and his team will take care of you from the start to finish as if you were their top priority. Excellent customer service, and we can’t recommend them enough.
Kirsten KJ Olson D.
Kirsten KJ Olson D.
So impressed with how smooth my loan process went. Could not be happier with my experience!
Adam T.
Adam T.
Colin went above and beyond to help us finance our first home. He's very knowledgeable and was always willing to help whenever we had questions.
Shonna M.
Shonna M.
The process was relatively easy and very fast!
Eva G.
Eva G.
Flawless process from start to finish. Great interest rate and knowledgeable team.
Torrey J.
Torrey J.
I worked with Dave, Jeremy, and Natalie at lend smart recently on a cash out refi. I explained to Dave the situa and he immediately had great advice. The refi took longer than expected to complete due to Wells Fargo messing something up. Resolution at Wells Fargo took us to the WF Executive resolution team. Dave and team were great working with WF on my behalf to get the issue resolved, sitting on hold, escalating, and helping push WF for expedient resolution so we could proceed with the refi! All through the process the team had great communication, and was extremely efficient (when not waiting on WF)! I would definitely suggest working with this group of people any mortgage or refi!
Sam C.
Sam C.
Everything from beginning to end was seamless and simple. John was great and kept us fully informed throughout the process. Literally the best home buying experience I've ever had. I fully recommend Lend Smart.
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.
Tambi L.
Tambi L.
Scott has assisted myself with my refinancing…he is very easy to work with. Quick easy and to the point. Highly recommend using him for purchasing or refinancing your home!
Dustin K.
Dustin K.
Colin Cherry, and his team, at Lendsmart did an excellent job helping me with my home refinance. They were responsive and informative. Thanks again for your great work here.
Cindy M.
Cindy M.
Reliable, Professional and very efficient services. Refinancing a home is very time consuming and tedious but the staff at Lend Smart Mortgage, LLC made the whole process run so smoothly. They really do hold you by the hand every step of the way. A special thanks to Brenda Figueroa for being most supportive and helpful!
Jim C.
Jim C.
Dave and his team are very professional and great to work with. He has helped my family several times over now securing mortgages for us. I don't see that changing any time soon! Thanks Dave!
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!
Laura S.
Laura S.
James and the Lend Smart team were amazing!! The entire refinancing process was quick and easy. James was always available to answer my questions, providing me with a great new rate. I highly recommend James Summers and the Lend Smart Mortgage team.
O.j. S.
O.j. S.
It was almost 2 years of trying to find a Mortgage Company that held up their end of what they promised they’d do. One after another they left me disappointed with their false claims. One day I decided to call Lend Smart Mortgage and had the pleasure of meeting Miss Samantha Wang. She’s now my adopted cousin, and that had nothing to do with the way she held up her end of everything she said she could do with my refinance journey. She’s a genuine person in every sense of the word. I’m a better person today from knowing her, and my faith in mortgage companies have been rejuvenated. Thank you cousin for being such a blessing to so many people, including me…
dao H.
dao H.
Dan Murray is great! He’s very good at communicating and quick response to your questions. I would love to use him for my next house. Thank you Dan, I loved the house that I just bought.
Ethan
Ethan
Colin at Lend Smart helped my wife and I understand every little step in the confusing and complicated process of buying our first house. I would send anyone I knew to Colin if they were looking for the best loan officer around.
Rob C.
Rob C.
Great to work for--very helpful and supportive
keri L.
keri L.
Bobby was very professional and personable during our loan process. He navigated the loan process with us keeping us informed of changes, needed information and a overcoming any glitches that arose. Bobby made us feel confident and secure throughout the process- I will only go to him for future lending needs! I highly recommend him!
shirley G.
shirley G.
The people you have me to work with were and still the best in the business. Thank you for a great job done!
Aaron W.
Aaron W.
Dave is knowledgeable and communicates very well. I will use him again. Thanks Dave.
Steve V.
Steve V.
Dave and Natalie are amazing to work with! They got me out of terrible divorce situation and into a new house where I could truly recover and process what had happened. LendSmart is so much more than just mortgage lenders. Thank you!
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
Dan M.
Dan M.
Great people to partner with. Highly recommend!
Ecaterina M.
Ecaterina M.
We are so appreciative to have had the chance to work with Colin! From start to finish the communication was prompt and efficient, Colin helped us identify the best loan scenario for our needs and made the process seamless. Thank you and we absolutely recommend them!
Ryan S.
Ryan S.
Bobby was absolutely fantastic to work with. He made everything easy, and was super easy to get a hold of if I had any questions. I will recommend Bobby and Lend Smart to anyone.
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!!
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!
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.
Mark N.
Mark N.
David provided Above and Beyond service, I have already recommended David to friends and family
Hailey L.
Hailey L.
Working with Dan was awesome! He made buying my first home a breeze!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 Dan. I will be recommending him to anyone I know needing a lender!
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!
Eric L.
Eric L.
Dave Cathrae is your go-to lender. He and his team make the home buying experience seem like a walk in the park. You will not be disappointed…
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!
Hayden V.
Hayden V.
tom was great!! made everything super easy! would recommend to all family and friends
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.
Brandon R.
Brandon R.
I have used David Butcher for my last several loans and will never use anyone else! He always focuses on what is best for his clients and takes the time to explain all of your options. Lastly, his integrity is second to none and you can always count on him to do what is needed to get you the best possible loan!
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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

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

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Pequot Lakes' Trusted Mortgage Professionals

  • 20 + Years of Mortgage Experience
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