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White Bear Lake

1310 Highway 96 E, Suite 104E White Bear Lake, MN 55110

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Purchase Quote

Get a free quote to purchase a 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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Free Consultation

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

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Get To Know Our Branch & Team

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

Free Loan Evaluation

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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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Get Pre-Qualified Home Refinance

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Improve Your Financial Position


Home Loan Programs

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

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Find Out What You Qualify For







Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $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.


Latest Offers-Events


Thank you Colin 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!

James W

I have used Colin Cherry three times: to finance a first mortgage, a refinance, and a second refinance a few years after that. I can tell you that he consistently delivers. His guidance through the application process is solid and honest. When we found an error on my credit report that drove it lower than it should have been, Colin went above and beyond to help me get that error corrected - even helping drafting a letter to some office in the Philippines! It was his follow though that kept me coming back for his services. I highly recommend using his services.

Joel P

Colin Cherry was personally recommended to me by people I trust and that trust is now something that I can pass along. At every step of the process (which requires digging deep into one's personal financial records) Colin patiently guided me and answered any questions I had. He was available and followed through at every turn, making sure that we met deadlines and moved forward expediently. Colin and his staff managed my mortgage process efficiently and made it a pleasant experience, despite the obstacles that COVID-19 presented. Colin and Lend Smart Mortgage gets my highest recommendation.

Linda L

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Colin Cherry

Branch Manager

Colin Cherry

1310 Highway 96 E, Suite 104E

White Bear Lake, MN 55110

NMLS #4474

E : [email protected]

O : 612-493-8010

M : 612-272-9228

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