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Mallory Fotiades

Serving FL, AL, AZ, NC, VA

4534 Hwy 20 E Niceville, FL 32578

Mortgage Loan Originator NMLS #1666711 Apply Now
M: +1 910-818-8378 O: +1910-818-8378 E: MFotiades@lendsmartmortgage.com

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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About Me

Mallory, originally from Alabama, married a 22-year veteran of the United States Army, and together they have four children, residing in the heart of Niceville, Florida, with their beloved dogs. Regardless of military relocations, Mallory becomes an integral part of her new community.

Her leisure time is dedicated to family, culinary adventures, and outdoor activities like hiking and rock climbing. Mallory is also the go-to baker for family and friends' birthday cakes.

As a military spouse and mother, Mallory empathizes with the challenges of moving homes and appreciates the life-changing impact of homeownership. She's committed to helping clients achieve their homeownership dreams with unparalleled customer service, tailored to each unique situation.

Her deep local knowledge and attention to detail earn clients' trust, making their happiness her ultimate goal. Guided by unwavering integrity and her faith, Mallory treats clients like family, keeping promises, and fostering genuine friendships—a true embodiment of southern hospitality.

AZ LO# 1002858, CA-DBO1666711, FL-LO60933, NC I-179482, AL-82932

Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act.

Georgia Company License #31285, Georgia Residential Mortgage Licensee

Specialty Loan Programs

Hometown Heroes Housing Program

    See if you qualify

    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

    Apply Now

    Easy Credit Application

    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

    Apply Now

    Easy Credit Application

    Improve Your Financial Position

    #Featured

    Home Loan Programs

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

    Talk With Our Experts

    #Calculate

    Find Out What You Qualify For

    $

    5%

    1%

    5%

    $
    $

    $1421

    Monthly Payment

    Principal & Interest $1421

    Monthly Taxes $1421

    Monthly HOA $1421

    Monthly Insurance $1421

    Speak To Us
    * 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.

    Testimonials

    I was very hesitant about using a small mortgage company however Mallory came highly recommended. Mallory always seemed to be one step ahead of the process keeping me well informed of what was coming next. I am very happy I decided to go with Lendsmart and would recommend Mallory every time! Professional, organized and well versed! Thank you Mallory for making the lending portion of my home buying as easy as possible!

    Jocelynne B

    I had a wonderful experience getting my mortgage from Mallory at Lend Smart. She was communicative during the process. Mallory would let me know all the steps throughout the closing process. Her assistance was valuable. She goes above and beyond for her clients. I would definitely recommend Lend Smart and Mallory for anyone seeking a mortgage and look forward to working with them in the future.

    Jere B

    I HIGHLY recommend Mallory from Lendsmart! She is truly the sweetest person and goes above and beyond to help you in any way she can. She helped us purchase our first home and really walked us through every step of the way, keeping us in the loop, explaining details so we could understand (and multiple times over) and always got back with us so promptly - which is always the NICEST thing to have. She truly is such a wonderful person and is amazing at her job. She made purchasing our house (from out of state to boot!) go so smoothly. I could not recommend her more!

    Jessica B

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