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Tonius Frank


10429 S. 51st Street Suite 255 Phoenix, AZ 85044

Branch Manager NMLS #252520 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

Tonius Frank is a Sr. Mortgage Banker with over 25 years of mortgage banking and finance experience.  He has helped thousands of individuals and families with their mortgage financing needs.  Whether you’re buying your very first home, vacation home, investment property or whether you’re wanting or needing to refinance (rate/term or cash out refinance), Tonius can help. Tonius has been proven as a “Humble, Smart and Experienced” Industry Leader in his field.

Tonius and his team pride themselves on great communication throughout your homebuying experience.  He has always provided his client with competitive rates and products to meet your mortgage financing needs.  Tonius’ “Think Outside The Box” mindset had set him apart from the crowd.  His ability to think outside the box has allowed him to say, “Yes” to clients when others have said, “No”. Tonius and his team look forward to assisting you with your mortgage financing needs. Tonius has been a North Texas resident for over 30 years.

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.


Extremely knowledgeable, helpful, and friendly. Tonius went above and beyond to help me buy my home. He made it a great experience. I truly feel she helped me find the best loan possible suited to specific needs. I never felt like I was just a number. I highly recommend.

Shaylanda W

Our experience refinancing with Lend Smart Mortgage was fantastic. The process was seamless. Tonius Frank, our loan officer, was professional and responded back to answer questions very quickly. We would highly recommend reaching out.

George F

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

Raymond S

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