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

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…
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!
Dan B.
Dan B.
Efficient and great communicators!
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!
Daniele Hamrick R.
Daniele Hamrick R.
Mallory is a miracle worker and is able to get people approved that others can not do! She goes above and beyond to make it happen and communicates on every level! Would highly recommend!
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!
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.
Rob C.
Rob C.
Great to work for--very helpful and supportive
Dan M.
Dan M.
Great people to partner with. Highly recommend!
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!
Kirsten KJ Olson D.
Kirsten KJ Olson D.
So impressed with how smooth my loan process went. Could not be happier with my experience!
Erica P.
Erica P.
Great experience working with Tonius and his team. Tonius was very knowledgeable, informative and very responsive. I would definitely recommend Tonius and Lend Smart to anyone looking to purchase a home.
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.
Justin R.
Justin R.
Tim and his team worked with us in purchasing our first home.. From the start of the process to the finish they were quick to answer anything that we needed. they always answered the phone or got back to us quickly. They were vary clear in what we were to expect. We would recommend them to anyone buying a home.
Chad U.
Chad U.
Jim Summers is my Mortgage/Refi go to guy! We've been through a few of these now and he makes the process so easy. Highly recommend!
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!
Larry H.
Larry H.
They made the experience enjoyable, easy, hassle free and fun. Had all questions answered in a timely manner. Would definitely recommend!!!
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
Dorothy L.
Dorothy L.
They helped me achieve a life dream I thought was impossible for me.
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.
Sam O.
Sam O.
We have trusted Colin and the entire team at Lendsmart with the biggest financial decisions of our lives for the last 8 years. They have consistently earned our trust, and exceeded our expectations. We are incredibly grateful, and will continue to trust them with our mortgages for a long, long, long time.
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.
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!
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.
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]
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!
Rich L.
Rich L.
Dave and his team provided excellent information and service at every turn. They were quick to respond to any and all questions that I had during the refinance process. Dave went above and beyond for us as we had some unique challenges. I felt like they really cared about me and wanted the best for me at every step. In addition they were always very positive and encouraging. I could not have asked for a better refinancing experience.
Jorge S.
Jorge S.
I recently refinanced my home through LendSmart Mortgage and had a positive experience thanks to Jesse De La Cruz and his team. They were very professional, knowledgeable, and committed to ensuring I would achieve my personal goals for refinancing.
April C.
April C.
Lend Smart is teamed with some AWESOME individuals that will fight with you till the end to fulfill your homeowner dreams. Our process was difficult at times, but our broker pulled us through to the end. Thanks to Mallory, we now own our beautiful home! I would definitely recommend Lend Smart to anyone looking to take the next step of home ownership.
Georgine N.
Georgine N.
Everything went just as we had hoped it would and now we are in our new home
Carmen F.
Carmen F.
Eugenia did amazing work. This wasn’t an easy contract to get to close. In time to get my kids enrolled in school at that’s. But she did everything in her power to help make sure it happened and I couldn’t be more grateful! I’ve never seen my family so happy.
Hayden V.
Hayden V.
tom was great!! made everything super easy! would recommend to all family and friends
Chris S.
Chris S.
Just closed on a house and, thankfully, had Dave patiently helping me out along the way. He explained everything, answered questions, stayed positive and encouraging, and made sure the whole process was successful from start to finish.
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!!
Dawn M.
Dawn M.
It was a very easy process and Blaine was super knowledgeable and helpful in getting the best interest rate locked in!
Christina A.
Christina A.
We had the honor to work with LendSmart Mortgage- Oakboro NC over the last couple of months. They worked hard and diligently to help us reach our goals. Made the process as easy as they possibly could along the way. After 23 years of trying to get our lives straightened out and on the right path, they were the only group of wonderful people that were there to steer us in the right direction to homeownership. They are a true Godsend to our family. We will always be grateful for them and consider them part of our family. We will definitely use them again if we ever decide to make a decision to build or buy another home years down the road.
Rachael F.
Rachael F.
My first time buying a home was a great experience thanks to Tim and Jessica at Lend Smart Mortgage. They were friendly, easy to get in touch with and clear in their communications throughout the process. I highly recommend working with Lend Smart Mortgage for your next home finance!
Jenny W
Jenny W
We had a great experience using Lend Smart Mortgage for our recent home purchase. We had the opportunity to work with Phil and Natalie, and we are very satisfied with the whole experience. They are both incredibly helpful and very communicative. Thank you for outstanding service!
Brian S.
Brian S.
They made the first time home buying experience as stress free as possible. Tim and Jessica went above and beyond to treat us like people, update us at every step of the process, and answer questions/clarifications promptly. The app is also very user friendly.
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. .
joel V.
joel V.
John was amazing! From beginning to end he was on top of everything that we needed to buy our home and without him I truly believe that the dream home we ended up buying wouldn’t have been possible without him! You can tell John loves his job and loves helping families find a way to own their home! Thanks John!
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!
Glenyce W.
Glenyce W.
Monica Crim and her team (Especially Carolyn) were very helpful in the process of purchasing my home. They were very responsive and worked tirelessly until I was cleared to close. I appreciate their professionalism and hard work!
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!
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.
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.
Edward Z.
Edward Z.
I had a very good relationship with Susan and her team. I was will informed and didn't have any problem reaching out for information. The whole transaction was completed with me working out of state. I was able to sign forms on line and Susan even lined up a notary to bring papers to me for live signatures while I was on vacation. I highly recommend Susan and her crew to anyone looking to purchase property.
David S.
David S.
I reached out to David for my refinance because he was my loan officer on my original purchase a year ago. He did a great job then and I had no reason to believe he would do any different for me even though he was with another company. As expected, he did a great job for us this time as well. We ran into a few snags along the way, but these were issues that were out of his control. He and his team were very good to work with and they stayed in constant contact with us throughout the process. I would highly recommend David and his team to anyone needing to purchase or refinance their home.
Marco G.
Marco G.
No hassle!!!... Great and very, very to get a loan!!!... I highly recommend it!!!
Corey S.
Corey S.
We refinanced and purchased with Tim and team. I would recommend them 100%
Del C.
Del C.
I did a refinance and David and team were absolutely perfect! They got things done and very good about answering any questions that I had throughout the process. They was right there with me every step of the way. You can trust them completely! I will use them with any of the services that they provide if I am in need. I can’t say enough about how trustworthy, friendly and comfortable they are to work with. I would very highly recommend!!!
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.
Aaron M.
Aaron M.
Dave and his team were awesome to work with. They advocated for my wife and I the entire home buying process. I highly recommend this team to anyone looking for a professional, hard working, speedy group! Thanks Dave
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!
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

Senior Underwriter

VIEW JOB
Open

Junior Underwriter

VIEW JOB
Open

Mortgage Loan Officer

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

VIEW JOB
View All Jobs

#Featured

Weekly Branch

Duluth

Duluth'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