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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

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

Occupations Eligible for Participation

  • Sworn law enforcement Officer
    • Certified Correction Officer (Does not include any secretarial, clerical or professionally trained personnel.), Correctional Probation Officer
  • Firefighter (an individual who holds a current and valid Firefighter Certificate of Compliance or Special Certificate of Compliance from the division)
    • Certified Paramedic, Certified Emergency Medical Technician (EMT), 911 Public Safety Telecommunicator
  • Certified Educators
    • Classroom teachers, Certified School Counselors, Social Workers, Career Specialists, School Psychologists, Librarians
  • Licensed Child Care Operators
  • Childcare Instructors—Employed by a licensed childcare facility
  • Registered Nurse
  • LPN-Licensed Practical Nurse
  • CNA-certified nursing assistant
  • Home Health Aides—Not statutorily required for certification—works for a licensed-only agency
  • Health Care Practitioner
    • Physicians, Physician Assistant, Anesthesiologist Assistants, Certified Medical Assistants, Acupuncturist, Osteopathic Physician, Chiropractic Physician, Podiatric Physician, Pharmacist, Dentist, Dental Hygienist, Certified Nurse Midwife, Speech-Language Pathologist/Audiologist, Nursing Home Administrator, Occupational Therapist or Assistant, Certified Respiratory Therapist, Licensed dietitian/nutritionist, Licensed nutrition counselor, Athletic trainer, Prosthetist-Orthotist, Electrologist, Massage therapist, Clinical laboratory personnel, Licensed medical physicist (X-Ray), Optometrist, Optician Hearing Aid specialist, Physical therapist, Physical therapist assistant, Psychologist, Clinical social worker, Marriage and family therapist, Mental health counselor
  • Veterans and Active Duty Service Members

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

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)

Talk With Our Experts


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.


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

Do you want to get updated what's coming

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