America’s Trusted Mortgage Company

Our mission statement is to demonstrate leadership through integrity, trust, knowledge and dedication to our clients and business partners.

About Lend Smart Mortgage

Lend Smart Mortgage has operated as a mid sized, locally owned retail lender since inception in 2006.  We have made several acquisitions over the years to continue our planned growth and expand our licensing base.

We are direct lenders and seller/servicers with both Fannie Mae and Freddie Mac which means we control the entire mortgage process from start to finish.  Not only does that make a difference in the service level we can provide to our customers, but it also makes a difference in the price we can offer our clients as there are no middle man eating away at profits.




5-Star Google Reviews


Google Review Score

Loan Officer Profile

Jacob Derauf | NMLS #1199748

Jacob is the Marketing Manager and Loan Officer at Lend Smart Mortgage

When I am not with my family or helping my clients I enjoy playing fantasy football

Jacob has over 9 years of Mortgage Experience

Mortgage Calculator

"Jacob Derauf was fantastic to work with! He helped me with my first refinance and was able to lower my interest rate significantly. He was very patient with all my questions and was able to explain things in a very clear manner. He was also very prompt with all of his communications. He made this process seamless, and there was very little work I had to do."

Ashley J.

"Jacob is such a knowledgeable loan officer for financing process. Jacob helped my wife and I get our first dream house. What I like about Jacob is he always kept us informed about our financing information and making sure we are always on top of our financing process. with Housing market is crazy on fire nowadays, I have zero worrying about our financing process because Jacob had excellent directions for my wife and I to follow during our search for homes. Thanks Jacob for your hard work!"

Si L.

Home Buying Programs

Great rates and buyer flexibility make conventional loans the most popular mortgages on the market today. Find out how you can qualify today!

FHA loans are a popular choice among first time homebuyers given their low down payment requirements and ease of qualification. Learn more about how you can qualify for an FHA loan.

Veterans, active military, and their families can take advantage of a VA loan to purchase a home with no money down, great interest rates, and no private mortgage insurance. Learn more today!

USDA Loans are great for buying a home in rural areas.  There no downpayment need but they have income limits that you need to stay under.

Jumbo loans can be the perfect option if you are looking for a home loan that exceeds the limits placed on government backed options such as FHA loans. Learn more about our Jumbo loan options.

One of the biggest challenges to buying a home is having a down payment. We have Down Payment Assistance options to help you now. Our Professionals will review all our programs and show you how to qualify.

How it Works

Fill in the online application and provide information about yourself

A Local Loan Officer will follow-up with you on your application

Loan Officer will give you options on what programs you qualify for an information on the programs

After reviewing limited documentation Loan Officer will inform your Agent that you are Pre-Approved and your home buying journey will begin

Applying to buy a home should be quick and easy

Fill out the online application in at your convenience

The easy to complete 100% online application takes about 5 minutes to complete from your phone or computer

Mortgage Inquiry Form

© Lend Smart Mortgage LLC NMLS #4474 | 3450 Lexington Ave N, Suite 210 Shoreview, MN 55126 

Jacob Derauf | Marketing Manager & Loan Officer | NMLS #1199748

This is not an offer to enter into an agreement. Any such offer may only be made in accordance with the requirements of Minn. Stat. Section 47.206(3) and (4)

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