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

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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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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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

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.
Rob H.
Rob H.
Fast, reliable and excellent at communication. They’re very helpful and always willing to answer whatever questions you have. I’d have no hesitation recommending them.
victor E.
victor E.
Tonius Frank has a dogged fighting spirit, from the moment we commenced the house buying process to the finish line, at the close out meeting. He demonstrated an uncommon tenacity for accuracy and this no doubt speed up the approval process at the underwriters table as there was little to be added. We closed out in record time. Additionally, he gives you 'thumps up', whenever a new milestone is achieved. I strongly recommend him for any serious home buyer. Thanks.
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!
Jamar T.
Jamar T.
Tonius from Lend Smart was tuned in since day one. Within a week of first contact I was already out looking for a home. Six weeks later I’m picking up my keys. He made the process so easy so that I could continue my day to day. If only I had found him sooner I would have been in my first home. Better late than never. I am excited and my daughter loves it. Thank you again.
Alec T.
Alec T.
Bobby Murray made this stressful process pleasurable and seamless. He was always on top of everything and if he didn’t have a specific answer that made sense to me, he quickly worked to find the answer for me rather than brush the question off like many who look at a buyer as just a number. I loved working day to day with Bobby, and would recommend him to any buyer, regardless of what stage/product you’re looking for.
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.
Jeffrey D.
Jeffrey D.
Blaine Niven gave me guidance through the entire processes of the refinancing of my home. Blaine gained and earned my trust with his approach and his patience. He educated me on my credit scores and explained, in detail, the process of my refinancing, setting the expectations with precision. Blaine's tenure in the mortgage industry was also instrumental with locking me in on the best rate possible.Thank you Blaine Niven!I will be referring Blaine Niven and Lend Smart to many more people.Jeff DuffySt.Paul, MN.
Greg B.
Greg B.
The whole process was personal, organized and very convenient. Plenty of direct contact but simple items were well automated to ensure speed and accuracy. Thank you Tim, Jessica and the whole team at Lend Smart Mortgage.
Patrick S.
Patrick S.
Helpful and made everything very understanding. Very thankful for there help in getting our home
The D.
The D.
Worked with them twice. Both times everything was great! Thank you Troy and Lend Smart! I HIGHLY recommend working with them. Troy will answer any question you have and walk you through every step of the process.
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.
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.
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.
Sarah C.
Sarah C.
Max Trader was very helpful with communicating our options and kept us well informed during the process.
Dan B.
Dan B.
Efficient and great communicators!
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!!!
Hayden V.
Hayden V.
tom was great!! made everything super easy! would recommend to all family and friends
Shelice C.
Shelice C.
I walked into Lend Smart sure I was going to be told that my credit was not good enough, or that I did not bring in enough money. In short, I was prepared to walk out of that office with red cheeks.Vern said "we can get you in a house" and he did. Not only do I live in my own house right now but Vern got me the absolute best APR available. How good? I'm sure Lend smart would welcome the opportunity to show you.I live in MY HOUSE now. My money will never again pay for my Land Lords wife's plastic surgery or buy his/hers 5th "investment" property. My money is paying for my house.If you work hard, consistently and have been for years there is no reason you should be paying rent. Let Vern and Lend Smart show you what your hard work means. You can do this!If you need to refinance what's the worst that's gunna happen? Your gunna call me a liar. I do not believe you will though. Give this company a shot. I do not think you will regret it.
Julio V.
Julio V.
Tonius Frank was very helpful, professional and always there when we needed his assistance. Tonius Frank and Aileen Marcus are the best at what they do. I am glad I was put in touch with such a great and amazing team. Thanks again for everything guys and take care.
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.
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.
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!
JERRY L.
JERRY L.
Tim and jessica did a great job helping me get my lake house ! They always called me back even after hours on weekends ! Very strait shooters , they worked hard till the day we closed and on time.I will never forget them for what they did for my family to get our dream house up north.
Rachel K.
Rachel K.
Courtney Kelly did 4 refinances on our rental properties. She was very professional and made the process easy. She told us exactly what we would need upfront. None of the back and forth of needing this and then needing something else. We were informed every step of the way. Thanks for a smooth transaction!
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!
Scott D.
Scott D.
Casey did a great job on our loan, if I had to come up with anything negative, it would be responding to emails and calls in a timely matter consistently, but overall an excellent experience
Dan M.
Dan M.
Great people to partner with. Highly recommend!
Veronica E
Veronica E
We put Max to the test with a quick close. He kept us in our toes and kept things moving along. Great personality and a pleasure to work with.
Miguel G.
Miguel G.
Great people to work with! Highly recommend. Jesse is so friendly and will go above and beyond to make you happy. Appreciate all the work he did for my family and I.
Aaron F
Aaron F
Collin was instrumental in helping me purchase my first home. He answered all of my questions and made the process very smooth!
Jeff H.
Jeff H.
Excellent follow through and I trust John to have my best interest as his priority!
James S.
James S.
Thank you for everything you did in my home buying process! With your knowledge and connectivity you made the process as easy as I could have every hoped!
Dante Della M.
Dante Della M.
We found our whole experience to be easy going and stress free with the help of Colin to guid us through the lending process. We were intimidated at first but Colin explained everything to and was more than patient with all our questions. Would recomend Lend Smart to anyone!
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. .
Rob C.
Rob C.
Great to work for--very helpful and supportive
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.
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
Trisha W.
Trisha W.
Excellent customer service and communication. Seamless esigning. Highly recommend. Charissa Myers was very helpful!
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]
Jason B.
Jason B.
My wife and I had an absolutely wonderful experience closing our loan with Lend Smart Mortgage. I trust them completely and so should you!
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!
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!!
Charley D.
Charley D.
Lend Smart was super helpful throughout the entire mortgage process! They made sure to find the best loan for me. I'd recommend them to anyone.
Kirsten KJ Olson D.
Kirsten KJ Olson D.
So impressed with how smooth my loan process went. Could not be happier with my experience!
Vanessa P.
Vanessa P.
Christina was so awesome to work with! She answers all of our questions quickly and kept us well informed. She made the whole process go so smoothly. I highly recommend Christina!!
Debra M.
Debra M.
Great service
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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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Mendota Heights

Mendota Heights' 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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