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

Start Your Journey

Refinance Quote

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

Start Your Journey

Free Consultation

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

Start Your Journey

We Make Home Buying or Refinancing Simple

About Us
Our Values
Our Team
Our Giveback

#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
Click To Begin

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

Read More

Obtain a Guaranteed Approval

Get Purchase Quote

Meet Our Loan Experts

Connect Now

Apply Now

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

Calculate Here

Get A Pre-Qualified Home Refinance

Get Refinance Quote

Meet Our Loan Experts

Connect Now

Apply Now

Improve Your Financial Position

#Featured

Home Loan Programs

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

View All Loan Options

#Featured

Latest Offers-Events

#Testimonials

We Love Our Customers

Dan B.
Dan B.
Efficient and great communicators!
Phil L.
Phil L.
The original loan with Lend Smart went very smooth. It was a no-brainer to repeat that experience again and so the refinance was stress free as well.
Amy B.
Amy B.
Phil Burgeson goes above and beyond to match his clients with the best loan programs. He provides outstanding communication, responding quickly to text/emails/phone messages. I greatly appreciated Phil's work on a personal refi, and I am glad to recommend his services.
William R.
William R.
Tim was very receptive to our questions and clearly explained every step of the process.
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!
Trebor P.
Trebor P.
David cathrae and natalie hill was a pleasure to work with very knowledgeable and helpful on explaining the whole process. Awesome people to work with on your loan needs.
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.
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]
Sue M.
Sue M.
It was a pleasure to work with Phillip, he answered all my questions and when I didn't understand he would explain it to me again, when ever I called and he wasn't in he got back with me promptly.
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!!
Rcpv
Rcpv
Bill Trader is amazing to work with, very understanding with how hectic life can be. I work long over night shifts and our communication through email was excellent. I highly recommend him and plan on going to him again in the future, and send friends and family his way.
Torri S.
Torri S.
I normally don’t write reviews but let me tell you that Dave Cathrae and Natalie Hill at LendSmart, hands down knocked it out of the park with my boyfriends and I mortgage loan, we had a rocky start due to me changing jobs while closing but we all put in some serious hard work and to make this a dream and I can hands down say that if you have them on your team they will not disappoint and go above and beyond. And we are so great full for everything they have done for us and will recommend family and our friends to them 100 percent! Thanks again guys for helping us get into our first home !!
Fernando M.
Fernando M.
Im a first time buyer I dont think i could have purchased my home without Lynette's expertise and experience. Lynette held my hand thru this process and answered every question i had. I felt comfortable working with Lynette Moreno.
Kirsten KJ Olson D.
Kirsten KJ Olson D.
So impressed with how smooth my loan process went. Could not be happier with my experience!
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.
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.
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!
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.
Noah B.
Noah B.
Tad Leferink & Jessica Coleman are incredible - 10 out of 5 stars. They helped me navigate an FHA loan, which is not an easy task! We made the quick closing date and I am forever grateful to this group. Do not waste your time looking anywhere else, this is the best group in the Twin Cities. Highly Recommend!!
Alesia S.
Alesia S.
Nate went above and beyond to make sure that not only our mortgage for our new home was completed on time and ready for closing he also stepped in and helped to make sure that the closing for the house that we were selling was really going to take place. He was in touch with our selling realtor and our buying realtor. He went above and beyond to contact everyone and anyone that could push along the sale of our house. He kept us calm throughout the whole process and touched bases with us several times a day the days leading up to our closing dates. This is the 4th mortgage (3 house purchases and one refinance) that we have worked with Nate and he always goes above and beyond for his clients. THANK YOU Nate for EVERYTHING.
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
Jeff G.
Jeff G.
I worked with Jackie Flynn and she is amazing! I recommend her to anyone that's in the market to buy or refinance.
Dennis E.
Dennis E.
Very prompt and easy to work with. Quickly looked into any issue that came up.
Mary B.
Mary B.
Was kept informed all the time. Only problem was all options should have been gone over after the house appraisal came through. Otherwise no problems. Natalie was also very helpful. Good experience.
Edward K.
Edward K.
Was a pleasure working with Dave, Natalie and rest of the team at Lend Smart Mortgage! They worked tirelessly throughout the process, didn't feel rushed at any point, very professional and friendly!
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!
Damien B.
Damien B.
Dave Cathrae is the best, the is our 6th loan from him and will always stick to him and his guidance.
Rob C.
Rob C.
Great to work for--very helpful and supportive
Allison A.
Allison A.
Suzi and her team were a fabulous group to work with! They were available and helpful when I had questions. I would definitely recommend!
Hayden V.
Hayden V.
tom was great!! made everything super easy! would recommend to all family and friends
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. .
Denysse T.
Denysse T.
Working with Jesse De la Cruz and lend smart mortgage was the best decision my family and I made. We have been struggling for five years to buy a home and no lender could ever get the job done. Jesse did the impossible in LESS time than we anticipated and an AMAZING deal on our first home!!! We are so grateful to him and would recommend him to anyone needing to buy a home.
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.
Dan M.
Dan M.
Great people to partner with. Highly recommend!
Monique N.
Monique N.
This is the second time that I have applied for a mortgage loan with Tonius. The first time I bought a house he was the loan officer and everything went so smoothly. He explained the process when I applied and then kept me informed each step of the way. That is why when it was time purchase another home I did not hesitate to call Tonius. He has the experience and knowledge that you need to help you through the mortgage loan process. 5 stars!
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!
Timothy E.
Timothy E.
Our lender David Montoya did a fabulous job in making the process as painless as possible and always went the extra mile in communicating what was going on. We would absolutely recommend David and Lend Smart Mortgage to anyone buying a home. Thanks again David!!!
sandra I.
sandra I.
Max was very helpful since the first day , he was very honest and he delivered what he told us since the binning. Process was very smooth and he made it very easy us. definitely i would come back if i need help again and definitely I would recommend Max to my family and friends.
Erin L.
Erin L.
I cannot be more thankful for David. He not only helped us ensure we got our next dream home (moving across state lines), he was honest, unbelievably communicative, thorough, and he helped influence my selling side as well to make sure we closed on our house in time. There is not a thing David wouldnt do to make sure we got this house, and we are in love with it. We cant thank him enough for going above and beyond every step of the way.
Jens K.
Jens K.
Colin was great! His knowledge, experience, and dedication were evident throughout our mortgage process. Even when we presented him with unusual challenges and changes late in the game, Colin skillfully handled it all, helping us get the right mortgage to close the deal on our new home. Thanks, Colin!
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.
Tru
Tru
Dave Cathrae is the best! He is very knowledgeable, has a great personality, and always willing to make sure all our questions (big or small) were answered.
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.
Next Reviews

#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

View Our Locations

#Join Our Team

Pursue Your Career With Us

Open

Mortgage Loan Officer

Explain to customers the different types of loans and credit ....

VIEW JOB
Open

Branch Manager

As the manager of the office, you supervise all the employees....

VIEW JOB
View All Jobs

#Featured

Weekly Branch

Rice Lake

Rice Lake'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

#Featured

Loan Originators

JOIN TEAM

Contact Us