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Guardian Financial, Inc

3.0 (2 reviews)
Closed • 8:00 am - 8:00 pm

Services - Guardian Financial, Inc

Mortgage services

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The Ruhland Team - Lend Smart Mortgage - Michael Ruhland 612-618-6039 LICENSED IN: MN, WI, CA, & VA MICHAEL RUHLAND: NMLS # 215129 LENDSMART MORTGAGE: NMLS # 4474

The Ruhland Team - Lend Smart Mortgage

(1 review)

Flat out one of the top mortgage brokers in the metro. If you are looking for a loan officer, or…read moremortgage lender, be sure to speak with Mike before you make your final decision. I have had the experience of plenty of other mortgage brokers, mortgage lenders, or loan officers, and if Mike cant do it, no one can! If you have a challenge, or someone else says "no", make sure they aren't just looking to get out of the extra legwork, give Mike a call, you wont be disappointed!

From the owner: I specialize in ANY type of Mortgage, from a tough commercial hard money loan, to a normal…read moreconventional purchase of a residential property. I have a vast knowledge of the Real Estate Industry, and a great working relationship with several top banks throughout our nation. Licensed in MN, WI, VA, CA, & FL. Military Discount Available! MORTGAGES * Licensed Mortgage Loan Originator in Minnesota, Wisconsin, Virginia (VA MLO-20787VA), & California. * Experienced loan closer and researcher including: FHA, VA, Conventional, USDA, Former Sub-Prime, Commercial, Hard Money Commercial, Investment, Rehab, Mod to Perm, HUD homes, lot loans, construction loans and more. * Reviewed, recommended, and processed thousands of loans * Developed training program for Loan Officers * Responsible for daily activities and managing one of the most successful Mortgage Branches in the United States of LendSmart Mortgage, LLC. * Increased flow of business over 200% in a year. * Top Ten producing loan officer for several years running * Awarded the President's Club Award for several years running * Developed and promoted new product outlets that increased company earnings by 23% * Generated record branch revenue of over $450,000.00 in one month. * Completed Housing assistance program training for MHFA (Minnesota Housing and Finance Agency). Service Areas: Brooklyn Park, Eden Prairie, Minnetonka, Edina, Lino Lakes, Circle Pines, Centerville, Hugo, Forest Lake, Inver Grove Heights, and Rochester.

First Class Mortgage

First Class Mortgage

(10 reviews)

What an absolute JOKE of a business. The owner, Brady is easily one of the WORST communicators…read moreyou'll ever work with and the only thing you can rely on him for is to waste your time and lower your credit. He had me waiting to see if I was approved for a mortgage loan for almost a month ... and he still wouldn't return my phone calls or emails, or let me know if I was approved for the loan or not. Do yourself a favor and go with a national mortgage company like Better Mortgage. They had an answer for me the same day I applied and they were unbelievably professional and helpful.

Brady and the First Class Mortgage staff provided a PHENOMENAL experience for us from day 1. This…read morewas the second time we've refinanced and it has been the best experience we've ever had. We had a great 30-year rate already, but we wanted to take advantage of the low rates. I called and checked online with 7 different mortgage companies and I'm so thankful we chose First Class Mortgage. Not only did they offer the best rate and lowest closing costs of the other companies, but they offered assurance that if the loan process took longer than expected (which is common with the low interest rates right now), they would take care of it and we wouldn't have to pay extra to continue locking in the rate. This was something none of the other companies were willing to do. Thankfully, their team processed our loan as quickly as possible. They made the process so very simple; we were able to do everything except the closing (which was also perfect) in person. They were clear about everything from the beginning and answered every question we had. They communicated with us every step of the way so that there were no surprises. To top it all off, despite telling us our rate would be locked in and couldn't be reduced, their team was able to get our rate down from 2.375% to 2.25%! WOW! Thanks to them, we are paying almost the same monthly amount...but will pay it off 7 years earlier! We are incredibly grateful for everything they have done. Thank you to Brady, Lisa, Nate, and Austin for a FIRST CLASS experience in every possible way. We are very excited about the money we'll save over the next 15 years. :)

Guardian Financial, Inc - mortgagebrokers - Updated May 2026

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