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Al Kozicky


31095 Bergquist Dr. Pequot Lakes, MN 56468

Loan Officer NMLS #1019992 Apply Now

Purchase Quote

Get a free quote to purchase a 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

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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

Calculate Here 

Get Pre-Qualified Home Refinance

Get Refinance Quote

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.


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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