Sally Reading


4894 Miller Trunk Highway, Suite 4 Hermantown, MN 55811

Senior Loan Officer NMLS #1220618 Apply Now

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

Sally has been a Licensed Loan Officer for several years, currently doing mortgage loans in North Dakota. Before becoming a loan officer she was a sales manager as well as a licensed realtor in Michigan. Her jobs in sales and real estate were a contributing factor in her decision to be a licensed loan officer. Sally has 3 children and 10 grandchildren, 8 boys, and 2 girls. She enjoys riding her bicycle, traveling, swimming, spending time at the beach, reading, and making jewelry. She is active in her community and works in hospitality at her church. Sally mentors students and works with Hand to Hand, where she helps distribute food to children in need.

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)

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Find Out What You Qualify For



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.


Thanks Sally for your time and help with this whole process. Thanks for answering my questions and concerns at any time! Appreciate your time and attention.

John P

Sally over at Lend Smart Mortgage was great! Made the refi process easy and efficient!

Mary H

Sally was awesome! So easy to deal with. Would highly recommend him to anyone looking for a loan. I couldn't be happier.

Betty R

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