Rates, points, and closing costs vary based on loan features, geography and/or other terms and conditions.



​​​​​​NMLS #4474

Finding a Mortgage


With low interest rates, refinancing is a choice many individuals are exploring. See how long it will take to recover any closing costs associated with a new loan and calculate refinance savings by contacting me today. 

Paul Melby

NMLS #322989


Interested in Down Payment Assistance?

Click the Minnesota Housing logo above for more information or contact us for information specific to your personal housing needs!

A donation will be made in your name upon your mortgage closing!

That's Right for You!

Our expert brokers shop for the best loan available, which mean the best rates and terms for you.

With plenty of properties on the market and low interest rates, Lend Smart Mortgage encourages prospective real estate buyers to seriously consider their dreams.