Al Kozicky

Duluth

4894 Miller Trunk Highway, Suite 4 Hermantown, MN 55811

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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

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Al Kozicky

Loan Officer

NMLS #1019992

Mobile: 612-508-1233

Office: 612-508-1233

Email: [email protected]

About Me

Personal bio is coming soon! I work at Lend Smart Mortgage, LLC and am licensed in the state of Minnesota. My personal bio is coming soon.

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

Obtain a Guaranteed Approval

Get Purchase Quote

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 Pre-Qualified Home Refinance

Get Refinance Quote

Improve Your Financial Position

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Home Loan Programs

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

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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.

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Latest Offers-Events

Testimonials

Al goes out of his way to find you the best deal. He keeps you updated and works magic behind the scenes. Effortless transaction on the customer's part.

Ronald L

Extremely helpful, has your back and very informative. Their very knowledgeable and know what their doing. I wouldn't recommend anyone else. Go straight to them 😊

Stephen T

I love working with Al. He always kept me informed throughout the refinance process. He is my go to guy and I won’t use anyone else. Thanks Al!

Lisa L

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