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Mallory Fotiades

Serving FL, AL, AZ, NC, VA

3450 Lexington Ave N, Suite 210 Shoreview, MN 55126

Mortgage Loan Originator NMLS #1666711 Apply Now

About Me

Mallory was born and raised in Alabama. She married her husband who is active duty military in the United States Army with over 17 years of service. They have 4 children and live in the heart of Niceville with their family dogs, Tiger and Boris. No matter where the military takes her, she immerses herself deep within the community and calls it home.

In her spare time, Mallory enjoys spending time with her family and enjoys being in the kitchen trying new recipes and cooking for her family and friends. She loves to bake. She is the go-to-person for all family and friend’s birthday cakes. She also enjoys being outdoors with her family. If the weather is nice, you will find her family hiking, rock climbing or spending time at the springs or the beach.

As a Military Spouse and mother to four young children, she understands the challenges that you face while transitioning from one home to another. She understands that home ownership changes lives and build futures. She will strive to fulfill the dreams of home ownership with unrivaled customer service. She understands that every client is unique and will take the time to find the loan product for their situation. She is a wealth of knowledge of the local area and quickly develops friendships with clients through sharing her love of the area with them. With immense attention to detail, Mallory earns the trust of her clients. Her customers are the core of her business. Their happiness drives her to succeed. Deep rooted in her faith, she strongly believes in running her business with integrity. She will not make a promise that she cannot keep. She treats her clients as family and will work diligently to help them achieve their goals. In true southern hospitality fashion, you walk in as a client but most certainly leave as a friend.

AZ LO# 1002858, CA-DBO1666711, FL-LO60933, NC I-179482, WA MLO-1666711, GA-1666711, 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

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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


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

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