What clients say about working with Mallory.

I very highly recommend Mallory and her team. She goes way above and beyond to help people with their needs

She is on top of it, every step of the way. I love the weekly update with the checkmarks

Very helpful and responded quickly

Mallory was friendly, professional and helpful. She assisted me and held my hand through the whole process.

Absolutely wonderful experience - very quick and easy!!

Mallory assisted us in a very professional manner. For great results, use Mallory for your mortgage needs.

It was a quick and easy to understand experience would recommend to friends and family

Great experience! Mallory was extremely helpful! :)

"The process was easy without any stress" Thanks You so much!

She was truly amazing. Great Communication and updates every week.

Mallory was great! Responsive and courteous.

Great experience with Mallory the best you can ever wish for.

Fantastic service!!!

Everything was very organized and Mallory made the process very easy for the us.

Easy choice to use Mallory! She is absolutely incredible at what she does! A real Pro!

Mallory made everything easy and fast for me.

Mallory is wonderful. She is very professional. She deserves 100 stars in my opinion.

Fast and reliable transactions.

Mallory was absolutely wonderful to work with!!! Seamless transaction from start to finish!

Absolute professionalism and was a blessing to work with. So would recommend!

Mallory handled everything, we had nothing to stress over.

Best Lender Ever! I look forward to working with you again in the near future!

Mallory helped me and my wife secure a home and worked with us to find what loan suits us the best!

Constant communication and was quick to answer any questions we had.

Extremely responsive and responsible loan officer who took fantastic care of our clients.

Always a pleasure working with such an experienced lender!

Always informed me when I needed to sign something.

You’re the absolute best Mallory!

Always a pleasure working with you!

Very easy working with you Mallory. Definitely recommend.

The level of communication and the service Mallory provides is unsurpassed. Consummate professional

Great communication on what needed to be done and very prompt to reply to any and all questions

Friendly, readily available and overall a great experience!

Kept the buying process easy straight forward.

Mallory worked hard and communicated well. She made this as painless as possible!

Mallory was so kind and supported with our closing cost.

Very pleasant and helpful

Mallory was great at communicating with everyone. She was a pleasure to work with.

How hard Mallory worked on getting my family in a home.

Mallory is always available for answering questions for me and my clients.

Very personable and caring. Excellent service over all!

Very professional, responsive & friendly

Fast response and clear step by step process

Informative and always available for any questions and concerns at most anytime

Mallory made it all go very smoothly.

Mallory was amazing. Very speedy replies and answered any questions I had in great detail.

She is very communicative and goes above and beyond

Mallory was on point with communication throughout the process.

Very informative, quick response, professional

outstanding communication !

Great communication. Smiling Face!

The way Mallory was explicit and helpful

Very effective communication and prompt responses to inquirires. Very well executed from start to finish.

Mallory was extremely helpful, knowledgeable, and committed to helping us throughout this entire process.

My Lender was always available to help answer questions, very personable.

I'm glad to have such friends... Thanks....

Attention to detail and a sincere concern for our needs.

Mallory was extraordinary, not much else to say. 100% would recommend to others.

Mallory was great and made everything easy for us.

The best Mortgage company

Mallory really went out of her way to help us; her pleasant demeanor made the purchase easy!

She made sure that I understood every step of the process

Everything went great!

She was great with our purchase!

Great communication, quick responses to my questions

Real customer, just very thankful for the work from Mallory and her team

Very knowledgeable and patient.

Great advice and quick to answer questions.

As first time home buyer’s she kept us informed throughout the process.

Extremely helpful. Answer any questions. Supporting

Extremely helpful and she works with your needs well!

Mallory was in constant communication with me and made it fairly easy.

She is very personable and keeps you very up to date on all transactions

Mallory was amazing! She was always available to answer all our questions. She is very knowledgeable. And such a doll.

It was an incredibly easy and stress free experience. Mallory is an excellent communicator and the process was laid out so well. We closed on time without any effort!!! Bravo!

Mallory was very easy to work with. Every time I had a panic attack about something, she was extremely helpful.

From the very first phone call, right up through closing, Mallory Fotiades was professional, attentive, and kind in all matters. I would recommend her every time!

From the very first phone call, right up through closing, Mallory Fotiades was professional, attentive, and kind in all matters. I would recommend her every time!

From the very first conversation, all the way through closing, Mallory Fotiades was thorough, professional, attentive, and very kind. I am so happy that she was my lending agent!

Mallory is great!!! She kept me informed through the entire process. I always knew what was going on and what the next step would be. I would work with Mallory again!!!

Mallory is wonderful right on top of everything close on time all the time Thank you for all your hard work Mallory.

She was on point. Worked fast and did everything she could to help us out. Updated us regularly on the process. Amazing to work with.

Mallory helped my wife and I through every step of the process to buy our first home! She truly goes above and beyond! I highly recommend her as your loan officer!

First time home buyer. Mallory was very helpful through the process and made it as easy as it could be. I had questions and she always had an answer! 10 out of 10!

Mallory was fantastic to work with! Communication throughout the transaction was great and we were clear to close in 13 days. Would highly recommend!

Mallory and her team made the process seamless. They were great to work with and were very proactive with timely and important information.

Mallory was very responsive to my calls and questions. We were confident that she had our best interest in mind.

Helpful through the process. I'm s first time buyer who was super nervous Mallory and my realtor helped me through it.

Mallory offers knowledge, creativity, patience and focus throughout the entire loan process. She makes it happen !

Mallory, Judy, and the rest of the team made my first time buying a home a great experience. They did all the heavy lifting for me!

Seamless and informative. Made the entire experience one that I would gladly do again with Mallory. Thank you for all that you did , and wish you and your team, all the best!

Mallory was the absolute best. She made the whole process easy, and was always there if I had questions; day or night. Wouldn’t have wanted to work with anyone else!

Mallory is a GEM! She cares and makes sure that her clients come first. It is always a pleasure working with her. If you are looking for a Lender who truly SHINES - she is it!

Mallory was great to work with. She was always responsive and kept me updated throughout the entire transaction.

Mallory was great to work with, I appreciate good communication, quick responses and being genuinely helpful. Thanks so much for a smooth transaction!

Mallory was exceptional to work with. We had a particularly difficult transaction and her patient in levels of professionalism was outstanding. I would love to work with her again.

She is polite and caring! She goes out of her way to help her buyers and make the process easy for everybody involved! Her communication is always on point!

Mallory was always very prompt with her responses to questions and always keeping us informed throughout the whole process.

Mallory was very hands on and explained everything in detail if needed be. She was always open to questions and answered them in a timely manner.

She was knowledgeable, responded to messages quickly or in a reasonable amount of time, was very forthright about information and showed integrity from the beginning.

All communication was very clear. Anytime I had a question it was answered immediately. Very pleasant experience.

Your customer service was perfect and I was treated royally. I would recommend your company to all my friends and family. Thanks for everything. Steve Bearman

Everyone was very open to all of our questions. Even when we needed explained multiple times. As first time home buyers we really appreciated it.

Mallory made buying my new home an exciting and easy process. She was always available to answer my (MANY) questions. I am thankful to have her ☺️

Mallory was always very helpful, positive, communicated great, and really helped make our transaction go through.

Mallory was so nice and professional and remained calm through the entire process. Which I'm sure wasn't easy when you're dealing with a first-time buyer.

Always polite, very knowledgeable and always answers calls and texts! She goes above and beyond making the experience easy and enjoyable!

Mallory was so easy to deal with and always was there when I had a question. I have refinanced several times before and this was just the easiest and fastest!

Mallory was extremely helpful through the entire process and went above and beyond to explain everything. She is trustworthy and she made me feel like she truly cared.

Mallory was great to work with during the loan process. I was undated and informed every step of the way. I would highly recommend her services to anyone purchasing a new home.

Mallory was very knowledgeable and on top of everything. And a pleasure to work with! She made a complicated process very easy to go through. In a word, she was fabulous!

Mallory was receptive to what we needed and helped us close on our house despite us being in a completely different state.

Mallorys hands down the best of the best! Communicates throughout the whole Transaction with everyone and makes sure she’s one step ahead of everything!

Mallory is fantastic! She always responds promptly, is super sweet and kind, takes the time to answer any questions and is very knowledgeable. I cannot recommend her enough!

Always an excellent experience with Mallory! We have done several with her now and keep coming back because of her professionalism, kindness, and expertise! Thanks again!

Mallory is very knowledgeable. She kept us informed very step of the way. I have and will continue to send her clients. She is top notch.

It was a pleasure to work with Mallory. She was so helpful and very responsive. She did an amazing job! I will highly recommend her!!!!

Very helpful, efficient, and informative agent. Made everything a simple step by step process, no hassle and easy to work with and did a great job on our closing!

Mallory was very attentive, and prompt during our transaction. I never felt out of the loop when it came to our loan application.

Wide range of information. Knowledgeable and communication was perfectly executed throughout the process. 10/10 would recommend.

Mallory was on the ball with everything was upfront about all cost got us the best rate and stayed in contact with us constantly made everything so easy

Your company explained each step in our loan process. Mallory was so understanding she went above and beyond helping us through this process.

She was very informative and walked us through every process! We are so happy and satisfied with how our process went. We will definitely recommend her to friends and family!

Mallory was very knowledgeable as well as just being a very pleasant Loan Officer. I would happily recommend her to anyone and would certainly use her again.

⭐⭐⭐⭐⭐ Mallory Fotiades was absolutely fantastic throughout our home loan process. From the very beginning, she worked hard to get us qualified and guided us through every step with professionalism, patience, and expertise. What could have been a stressful experience was surprisingly smooth and painless thanks to Mallory. She was always available to answer questions, kept us informed, and made sure we understood everything along the way. Her communication was excellent, and she consistently went above and beyond to keep things moving forward. Buying a home is a big deal, and having someone like Mallory in your corner makes all the difference. We truly appreciate everything she did for us and would highly recommend her to anyone looking for a knowledgeable, responsive, and dedicated loan professional. Thank you, Mallory, for helping make our dream of homeownership a reality! 🏡🎉

It has been a blessing working with Mallory and her team. So many people today will make requests and excuse. But never Mallory. She when to work day one for us Her team treated us like we were the only people they had, information and almost daily updates. Even the days that seam like the world was falling she and her team.took the time to smile and answer questions. There is no way I can express just what they meant to us. Other than if you go to anyone else it would be a great lost. Because they go way above and beyond

Mallory was wonderful to work with and did everything she possibly could to help us close on our new home early. The communication from her and her staff was amazing and she was always available to answer any questions we had during the process. We would highly recommend Mallory and her team for your home loan needs

There are lenders… and then there are the ones you genuinely get excited to work with because you know your clients are going to be taken care of from start to finish. Working with Mallory Fotiades is always a smooth experience. Communication is consistent, timelines are handled professionally, and she truly goes above and beyond for both agents and clients. In an industry where details, follow through, and problem solving matter, she continues to exceed expectations. One of my favorite things about working with her is that she genuinely cares. She takes the time to educate buyers, keep everyone informed, and help make what can feel like a stressful process feel manageable and exciting instead. As a Broker, I deeply value professionals who protect the client experience and operate with integrity, professionalism, and heart and she absolutely does all three. Highly recommend!

Mallory Fotiades at LendSmart is amazing to work with during the home loan process. If you are looking for a trusted mortgage broker in Destin, Florida, Mallory is absolutely someone you want on your side. She is knowledgeable, responsive, and makes the entire mortgage process easy to understand from start to finish. From pre-approval to closing, Mallory stays on top of every detail and communicates with the client and the real estate agents every step of the way. Her professionalism, quick responses, and commitment to customer service made what could be a stressful experience feel smooth and organized. Whether you are purchasing a primary home, second home, investment property, or refinancing in the Destin area, I highly recommend Mallory Fotiades and the team at LendSmart Mortgage. She truly cares about her clients and works hard to find the best mortgage solutions for their needs. If you need a home loan expert or mortgage lender in Destin, Florida, Mallory is an excellent choice.

I worked with Mallory on purchasing a new home with a VA loan. She took the time to explain all the costs over the phone and ensured I understood all the financial lingo. When something came up near closing, Mallory worked hard with her team to fix it right then. I had a great experience and highly recommend Mallory for your home purchasing needs!

Mallory was insanely helpful, communicative, thorough and all around a JOY to have as our lender. My husband and I had limited cash out due to renting out our home and we found the home we wanted too soon to successfully save up cash but Mallory helped us find a DPA program that made our home buying possible! I purchased a house last year with another lender and it gave me lots of fear and anxiety for this time around but Mallory truly made this process SOOO much easier and was so transparent with EVERYTHING! With federally high rates we have the intention of refinancing and Mallory has set us up with next steps to be able to successfully do that when rates drop more! Mallory truly made this home buying process a breeze and was always looking out for us as her buyers to ensure we are investing our money safely. Hurricane Helene was predicted to hit near us the day after our original close date but Mallory didn’t feel feel it was right to have us close then turns out the next day our roof is leaking or whatever the potential impact could be. She moved our close to after the storm so she could order another inspection free to us. It was soooo thoughtful and truly gave us peace of mind going forward. We highly recommend reaching out to Mallory for your home buying or refinancing needs !! :) Update: We once again used Mallory for our refinancing this year (April 2026) and the process was so smooth and easy!!! Her communication, professionalism, and attention to detail is superb, I highly recommend reaching out!! If we ever need any types of mortgage services again we will always use Mallory!! :)

This was my first time buying a home, and Mallory made the process so easy and streamlined. She thoroughly and patiently answered all of the many questions I had, and was always very prompt at returning emails and phone calls/texts. She is also very knowledgeable about VA home loans. She even helped with finding the right homeowners insurance. What I thought would be a very stressful process, was actually quite the opposite thanks to Mallory. I highly recommend!

Mallory was incredibly responsive and thoughtful. She was thorough, patient, and respectful throughout the process - she’s the standard for me moving forward (this is my 5th home).

Mallory Fotiades (NMLS #1666711) was incredible to work with. She helped me secure financing for an investment property in just two weeks—the fastest and most efficient process I’ve ever experienced. I received constant updates, which made everything seamless and stress‑free. The interest rate was very fair, and the document process (normally my least favorite part) was simple and one‑and‑done. I’ll definitely be using Mallory again in the future and highly recommend her to anyone looking for a top‑notch lender. - Joshua G.

Mallory worked super hard on this mortgage. She had many road blocks that she helped me through! From April to September she stayed dedicated to the process to get my house funded and finished no matter what was thrown our way! By far the BEST!

Mallory can accomplish things nobody else can. I was quoted higher rates from other lenders and Mallory was not only able to get me a better rate, but was able to lower it even further as I approached closing. We had several hiccups along the way and Mallory and her team was able to come up with other solutions that previous lenders were not able to. In the end I saved A LOT of money thanks to Mallory and was informed every step of the way. Top notch service and I wouldn't use anybody else. I would rate 10 stars if I could. Thank you Mallory.

This is the second time we used Mallory! The closing of our home was a nightmare but having Mallory to talk to and trust with our questions or concerns was our saving grace. We could not have done this without Mallory! She is amazing at her job, personable AND trustworthy. I cant thank her enough for all the hours she spent answering questions we had and helping us!

This was our second time using mallory and she did not disappoint. She is very knowledgeable and trustworthy. Very responsive and easy to get ahold of. Could not have had a better experience first or second experience!! She truly makes you feel like a priority. She is great at her job. Highly highly recommend.

Mallory is the absolute best loan officer anyone could ask for. I was quickly kept updated each step of the way, educated on the loan process and options, and received the best service on a VA loan. Mallory took the time needed to answer all questions (even after-hours and weekends), was very thoughtful and caring in her communication, and provided great advice. I highly recommend Mallory to anyone needing a home loan!

Mallory is the absolute best loan officer anyone could ask for. I was quickly kept updated each step of the way, educated on the loan process and options, and received the best service on a VA loan. Mallory took the time needed to answer all questions, even after-hours and weekends, was very thoughtful and caring in her communication, and provided great advice. I highly recommend Mallory to anyone needing a home loan!

We recently bought our third home and worked with Mallory Fotiades as our mortgage lender—and hands down, she’s been the best we’ve worked with. Mallory was incredibly responsive, easy to talk to, and walked us through everything step by step. She made the whole process smooth and way less stressful than it’s been in the past. This was by far the easiest and most straightforward homebuying experience we’ve had, and a lot of that is thanks to Mallory. If you’re looking for a lender who really knows what they’re doing and makes the process feel easy, we can’t recommend her enough!

Mallory, the Mortgage Maestro In a world of rates and endless forms, Where paperwork brews like summer storms, There stands a guide with steadfast grace — Mallory, the best in this wild-paced race. She listens first, her ear so keen, She sees your dreams, the house unseen. With steady hand and heart so kind, She turns the "no" that weighs your mind. She wrangles numbers, tames the rates, Unlocks new keys to future gates. She’s more than lender, more than guide — A partner walking by your side. When doubts arise and fears run high, She lifts your hopes to touch the sky. Each file, each call, each urgent plea, She handles all with mastery. They say the market's fierce and cold, Yet Mallory turns each lead to gold. Through peaks and dips, she stands above — A champion built on care and love. So raise a toast and spread her name, For no one else can match her game. When keys in hand and doors swing wide, You’ll know it’s Mallory by your side.

Mallory had been with us from the beginning of the journey of buying our house till the end. It was the smoothest and easiest mortgage experience we have ever had! We were notified of every milestone we completed and were encouraged throughout it all! Thank you so much for your professionalism and patience! We absolutely recommend Mallory as you mortgage lender if you want the process of purchasing a house a breeze!

We first worked with Mallory in 2019 but decided not to move forward with buying. She never pressured us and remained professional about it when the real estate agent did not. When we were ready in 2025, we came straight back to her. She made the process smooth, was always available for questions, and kept everything on track. Highly recommend! She also recommended a realtor this time around who was great!

Mallory was great! She took over a file midway through the process and still was able to close on time. The previous lender could not close the deal and Mallory stepped in with creative thinking and was able to get the file closed without even filing an extension. She kept my buyer at ease and she was great to work with. I highly recommend Mallory as a lender.

Mallory did an absolutely amazing job coordinating everything from start to finish. She kept me updated throughout the entire process and made sure my buyers were happy every step of the way. Her communication, attention to detail, and support were outstanding—I truly couldn’t have done it without her. Mallory was an incredible help, and I’m so grateful for everything she did!

My wife and I had a great experience with Mallory. She was more than helpful throughout the whole mortgage lending process and answered all of our questions quickly and thoroughly. Would definitely recommend !

Working with Mallory is a breath of fresh air! She is what a lender SHOULD be! She will explain anything you want until you get it, is so patient and sweet and extremely knowledgeable about the current market and what programs will help you the most. I highly recommend using Mallory! She’s an amazing, compassionate human and a rock star lender.

Mallory is the best!!! She was so kind and kept me informed through the entire process. I was always kept in the loop and was aware what the next step would be. I would work with her again!!!

We recently asked Mallory to assist us un having our home refianced. With prompt and excellent service, we were able to close in a few weeks; and she revisited the VA appraisal, and was able to have it increased. If you want the best service, call Mallory.

Fantastic help and very punctual and fast replying. Mallory made the whole the whole house buying process a million times easier. I highly recommend her if you are a first time or repeat home buyer!

Mallory is the best of the best. As a real estate agent, I have worked with many different lenders, but very few are even close to being as good as Mallory. Her knowledge, attention to detail, customer service, and ability to solve just about any problem make her one of my top go to lenders in the industry. I would highly recommend Mallory for any real estate transaction.

I couldn’t possibly express how thankful my family and I are for everything Mallory and her team did to help us get to the closing table with minimal stress. We had previously gone under contract with a different lender and were told after we paid the inspection that they wouldn’t be able to underwrite our loan due to a gap in my husbands work history which was a choice we made for personal reasons. We thought all hope was lost until our realtor put us in touch with Mallory. She was so kind, sympathetic, knowledgeable, helpful..I could go on forever. We closed on our new home on 11/14 and will be forever grateful! Thank you so much Mallory! 🩷

Mallory was AMAZING to work with. She answered our many questuons promptly and worked hard to get. Everything lined up to purchase the house. I 100% recommened working with her. Thank you Mallory for all you do!

Mallory was an absolute treat to work with, during the sale and purchase of our homes. She will be the recommendation I make to everyone looking into purchasing a home. Mallory made the process easy to handle despite all of the hiccups that came up during the purchasing process.

Mallory is the absolute best. That's why I've used her multiple times. She always kept me informed. She always got back to me quickly when I reached out with questions or concerns. This purchase had some obstacles but Mallory never flinched and got it all done. I will always use Mallory when purchasing property.

I would tell others that Mallory made my home buying experience swift and painless. Mallory is extremely efficient and goes far beyond her calling to help you through the loan process. She has made herself aware of available programs that benefit the buyer. She kept me on track with my required paperwork and explained all updated steps in the process. I recommend Mallory to anyone interested in buying a home. Kudos!!!

Mallory and her team were super easy to work with. They made the mortgage transaction effortless on my part. If you’re ever looking for an amazing loan officer, you won’t go wrong by choosing Mallory.

Very knowledgeable and trustworthy. Willing to help in any way possible and always available for a phone call to simplify any questions or concerns. Could not have had a better experience! Highly highly recommend.

Mallory made my first home buying experience so smooth. I know she did a tremendous amount of working the numbers behind the scenes (even on weekends) to get my rate and payments low. I highly recommend her if you're in the market for someone who actually CARES about your needs and goes above and beyond to make your dreams come true!!

We had a very short timeframe to get everything in order to close when we wanted and she went above and beyond to make sure we would close on time! We really appreciated the hard work and always keeping us informed and answering all our questions.

I can’t say enough about how pleased we were with Mallory, she and her team were very professional and did everything that needed to be done to get our mortgage approved and closed on the date we had set. She was quick to respond to any questions we had and made the process as smooth as possible. We would not hesitate to use Mallory again and highly recommend her services to anyone looking for a mortgage.

We can’t say enough about how pleased we were with Mallory. She and her team were very professional and did everything needed to get our mortgage approved and closed on the date we had set. She was quick to respond to any questions we had and made the process as smooth as possible. We would not hesitate to use Mallory again and would highly recommend her to anyone looking for a mortgage.

Mallory was super knowledgeable and quick to respond whenever I had any questions about the home-buying process. Her communication always felt very genuine and it made for an easy, comfortable experience.

Mallory is fantastic! She took time to make sure that I understood the ins and outs of the entire process, and I felt that she genuinely focused on my specific needs. I'm glad that I got to work with her!

Mallory was absolutely AMAZING. She made my husband and i’s first home buying experience seamless and she did a great job of keeping me calm when I wanted to panic. Cause that’s what I do. 100% great client interaction. Answered all our million and a half questions. MALLORY IS SIMPLY THE BEST!

Mallory stepped in and very quickly helped me close. She was available any time I had questions, and she explained everything clearly throughtout the process. She was very professional, knowledgeable and easy to work with. Id highly recommended her

What a fantastic lender! I recommend Mallory 100%. As a Realtor I am often asked by my clients for recommendations. I have referred well over 100 clients to Mallory and they have all been thankful for the introduction. Mallory offers unbeatable service and the lowest rates. She makes the entire home buying prices easier for everyone. I love her!!!

Mallory was great to work with. She has my highest recommendations for anyone looking to buy a home with complicated circumstances. She was very savvy in finding ways to get us approved for our dream home looking into programs that fit our criteria. She is very easy to work with and genuinely cares about her client's needs. A+ in our book

Mallory was such a joy to work with. She is very knowledgeable and very open with communication. Any question I had she was able to answer very quickly or find someone who could help me get an answer. I would definitely recommend Mallory for any home loan transaction!

Working with Mallory was an amazing experience! This being the first time buying a house I didn’t know much of the process. Mallory was extremely helpful when I had any questions, she responded very quick to any messages or emails. I’m thankful that I had Mallory to be apart of the process to purchase my first home. She truly did make the process stress free and easy!

Mallory is amazing to work with! She is very professional and has a great depth of knowledge as a lender. Every transaction I have worked with her on has been very smooth! I look forward to working with her in the future. I can't recommend her enough as your lender! You will not be disappointed.

Mallory did a fantastic job with each step of the home buying process. Her communication was top level and eased the stress with consistent reassurance as I supplied every document needed to secure the mortgage loan. She not only made it seem possible to get approved being self employed but found ways and programs that got us way more than we could have ever expected. We are ever so thankful that Mallory played a key role in making what seemed to be an impossible dream become an even greater reality. Thanks again Mallory for being an A+ Lender, choosing you as our lender was truly a game changer!!!

Mallory is a phenomenal person and lender. She is kind and helpful and very knowledgeable. She is hardworking and proactive on finding solutions. I was so thankful she found a great product for my buyers. I highly recommend her and hope to work with her again very soon! Top notch!!

It was a great experience working with Mallory and their team. They’re very friendly, helpful and professional. The process was easy and done online from pre-approval to approved application and we got our loan closed on time. I would highly recommend them to anyone.

The experience was almost seamless but financing was the easiest part. Mallory and her team were helpful and informative. The rate was higher than expected but not her fault. I would recommend her to my friends and family.

Mallory was amazing to work with from start to finish. She's personable and knowledgable which is the best combination in this business. Communication and expectations were set up front and easy to follow. Loved working with her!

Mallory was amazing to work with. We had a tremendously difficult transaction that took way longer to close than any of us anticipated. She was patient and very thorough at all times. I look forward to working with her again.

Mallory provided Us an excellent service. We really appreciated her patience, understanding and compromise to guide Us, first-time buyers, through all the process of acquiring our Home. Highly recommend Her for your mortgage needs!!!

I cannot express enough how pleased I am with the outstanding service I received from Mallory. From start to finish, my experience with her was nothing short of exceptional. Mallory made the process seamless and stress-free.

I am a bit biased since Mallory is a dear friend, that said I can still honestly and happily leave a 5 star review. The application process was a breeze online, Mallory was quick to reply and answer my questions, and even helped me compare quotes from other lenders to ensure I was making the best choices for my family. She gave us updates through or the whole process, our closing was on time and went off without a hitch. I’d recommend Mallory to my friends and look forward to working with her again in the future.

Mallory's efficiency and organizational skills were exceptional! She seamlessly coordinated with the relevant parties involved, such as myself, buyers and appraisers, ensuring a smooth and timely closing process. Her attention to detail and proactive follow-ups gave me peace of mind, knowing that all necessary documents and paperwork were handled meticulously. THANK YOU, MALLORY!!!

I have just got closed on a mortgage loan with Mrs Mallory. She is super professional in her profession and she makes my whole process go super smooth and stress free. Everything was so easy done and she always quickly responded every time you have any question . Thank you Mallory!

I have worked with Mallory on different transactions and very single time she has been amazing. She works hard to get everything done on time and her communication is above expectations!!!! Thank you mallory!

Mallory was a pro and a pleasure to work with every step of the way! I threw her some curves over a couple of deals until we located our new home and she didn't blink! We would highly recommend Mallory for any mortgage lending.

Mallory was so great to work with! She made the process of applying for a loan so simple. She was also very responsive and answered all of my questions! I would recommend her to anyone!

In my many years of banking, I've never met a mortgage professional that worked harder than Mallory. She is extremely knowledgeable, diligent and communicates well. I would not hesitate to work with her on the biggest financial commitment of my life.

Mallory performed above and beyond what I could have expected or hoped for as a member of the loan team. I would strongly recommend her to anyone that is on the fence about making a decision.

We love Mallory. When issues came up, she was there to inform us on how proceed . She made my husband and I feel we were her only clients.The whole team was wonderful. I will recommend her to everyone. She treated us like family. I can't say enough good things about her. Thanks Mallory from the Wedeman's ❣️

She was extremely helpful. Provided all the information I needed to understand the loan process and answered all of my questions. She was positive and patient and always ready to provide me with assistance.

Mallory was an absolute joy to work with through the whole process of buying our house from beginning to end. I had called her even when she wasn’t working just to ask questions. She definitely goes out her way to make sure you feel comfortable with the whole home buying process. Thank you Mallory for everything you did to get us our home!! I might even have some more questions for you.

Mallory was extremely professional throughout the closing process. She was able to close ahead of schedule and was always available to answer questions. I would absolutely recommend her and hope to work with her again in the future!

Mallory is absolutely incredible! From day one she went above and beyond to help me get the best deal and have the best experience with the buying and closing process. She knows her stuff, she saved me THOUSANDS of dollars in closing and even helped me figure out how to maximize the down payment. Regarding closing, she promised to close in approx three weeks and she kept her word! Mallory answered every question I had (of which there were many) expeditiously and fully. She was always available to provide any assistance and made sure we were well taken care of. Her communication is off the charts, she made this home buying experience as smooth as I could imagine. I'm not a first time home buyer so I know it can be painful but with Mallory, it was incredibly simple and stress free. I would absolutely recommend her to anyone looking to buy a home, she is super kind and absolutely professional. My family and I cannot thank her enough for all that she did to make this experience truly a great one!! Thank you Mallory!!!

As first time homebuyers, buying an as-is property with many needed repairs, unsure if we were to be hit by hurricane Ian, escrow holdbacks, and many other non-standard problems we ran into; We needed someone to lean on. Mallory was very knowledgeable about the process and reassuring the whole way through and answered all the questions other lenders could not, in the end, she got us closed on a house we thought we might not be able to make happen. Thanks Mallory!

I've worked with Mallory on both a personal & professional level. I recommend her highly to all of my clients. She maintains constant communication with you throughout the transaction. Her ability to problem solve and pave ways to provide assistance in those venturing on their home buying journey. She stays on top of her education as times change, including learning about the newest Mortgage programs as well as the latest Market trends. She is always looking for the best possible ways to provide service to her clients. Her main concern is always the families that put their trust in her and her expertise. Mallory will work tirelessly to make sure you have as positive and smooth of an experience as possible! She truly has your back! Thankful for those in this industry that have a true Passion in serving her community!

I worked with Mallory on a transaction recently where I was the listing agent and she was working withe buyers. She was communicative, calm, and it was truly one of the smoothest transactions. Highly recommend working with her!

Mallory was amazing! So kind and helpful. She always got back with us quickly and she made this home buying process a lot easier for us! I loved her and would highly recommend her to everyone!

As a real estate professional, I look to work with the best, and Mallory is one of them without a doubt. I highly suggest you give her a call to see how she can help you close on your dream home.

We have completed 3 loans with Mallory to date and looking forward to do 4th, 5th and more. Mallory will always work towards the benefit of her clients before her own, if she cannot find the best program for you she will not hesitate to send you to someone else that does better for you, which shows she truly has your best interest at heart!

I am a Real Estate Agent licensed in NC and FL and have done numerous transactions with Mallory across the two states. She will always be my top recommended lender! She is incredibly knowledgeable in her field thanks to her years of experience and drive to stay on top of new information and programs as they become available. She goes above and beyond for her clients to ensure they make it to the finish line and it the BEST team player!

Mallory is incredibly attentive and professional. Every question I had was answered confidently and in a way that I could understand. Any time I felt apprehensive a quick phone call to Mallory quickly put me at ease. She truly held my hand through this process and made this a wonderful experience.

Mallory was wonderful start to finish. It was an absolute pleasure working with her. Her readiness to call after hours and answer our endless questions made the whole process simple and much less stressful.

Mallory communicated very well and allowed us to help our buyer into their new home in just over two weeks. This was my first experience with Mallory and LendSmart, and I can promise it won't be my last.

Mallory was on top of it the whole time! She provided great knowledge and if she said she would call me back with more information she always kept her word. Overall great experience and would highly recommend to others.

Mrs. Fotiades went above and beyond her duties to ensure that we had a seamless process and a amazing experience. Mrs. Fotiades is awesome! Thank you for your help during this process!

Mallory, has a very nice personality and pleasant to talk with on the phone. She would answer all of our questions and call us back in a timely manner. Last but not least she made this an easy and enjoyable stress free time. Thanks

Mallory provided excellent guidance every step of the way. Our house search took some time and she was very patient with us. Once we found a house finally make an offer, we were prepared thanks to her having been on top of the mountains of docs we've submitted over the several months. I can't say enough how much I appreciated her always being there for a call, email or text to answer any questions we had. The loan process once we were under contract was outstanding. We were informed of all the steps during the process of the loan and always knew our current standing at any point of the way. We received timely reminders of what we needed to provide or sign to get to the next step. We were able to close on the scheduled time without issues. Mallory is easy to talk to and has excellent inter-personal skills. Her friendly manner while conducting business is appreciated. While we were looking for lenders, we found some were pushy and impersonal. It is refreshing to have found Mallory who is knowledgeable of the area, considerate of her clients and has the experience of working with the realty office of Keller Williams.

I had a FSBO transaction and Mallory assumed the role of a realtor for me. The communication between her and I were beyond expectations. She was always responsive, pleasant and very knowledgeable of the process from start to finish. What made the experience even better was she was just as excited as we were. I will recommend Mallory for any home buyer as well as lend smart for making this experience more pleasant than painful.

Mallory was a continual advocate for a sometimes difficult sale. No matter the obstacle, she kept us in the loop and informed. Calming our fears and ultimately making it happen. I so appreciate her professionalism and skill at what she does. Thank you. Thank you. Thank you.

Mallory is very professional and very pleasant to work with. I would highly recommend Mallory to everyone. She made this experience very smooth She is the best. Her whole team is.

Ms Mallory Fontiades made the process of buying my first house. I never have such a great experience. I would recommended Ms Mallory Fontiades to anyone. It was a great pleasure to have Ms Mallory Fontiades as my mortgage agent.

Being able to ask so many questions. Being new to this whole process it was a relief to be encouraged to ask questions and to hear that I should be comfortable with everything we’re doing and feel fully informed. I may have taken it to extreme levels as I’m someone who wants to understand each detail, but I always felt comfortable asking and that really meant a lot.

Mallory’s customer service is exceptional, she works very hard for her customers. There were set backs with getting closed but when a appraiser will not do there job or return calls that makes things difficult. I would refer her to anybody looking for a great lender that goes the extra mile and myself would call her again for a home loan. Thank you Donna Flowers

Mallory has been my go-to Lender for years! I have used her personally and will continue to recommend her to all clients, friends, and family. I cannot stress enough how helpful she is while purchasing a home. I have bought multiple properties prior to working with Mallory. I wish I would have had her for them all! I have never felt so comfortable with understanding the process of home buying. Her commitment to providing the absolute best communication level throughout the transaction is truly appreciated. From a client to a colleague, I have always enjoyed working with her. Mallorys customer service is top notch and her expertise in the mortgage industry is impressive. Thank you Mallory for all you have done and continue to do!

Mallory was absolutely amazing. She went above and beyond to make sure we were always aware of what was going on, what we needed to do, and even came to us to close when some issues arose.

Our financing process had several challenges, and took a lot longer than expected to finalize. Mallory kept in touch with me almost daily, and ensured me everything was going to work out perfectly when I had my doubts. Mallory did absolutely everything she could to help us secure our home loan, and saw us through to closing. I could never than Mallory enough for all of her hard work.

Mallory was so great in helping answer any questions I had. With this being my first purchase, I had lots of questions and she always took time to get them answered. She was very responsive throughout the process and I never felt like my application was being overlooked. I am aware that Mallory had many other deals she was attending to but I alway got top service. Thanks Mallory!

Mallory is exceptionally responsive, and provides timely and accurate advice on lending options available. She was extraordinary, and I won't use anyone else for our future lending needs.

Mallory was always available when I called (or got back to me promptly) and addressed my issues timely. There was no "hold on till I can get to" anything. She was on point and I appreciated it. Thanks Mallory!!

Mallory was always available and very friendly. When closing on our house, she made a mistake as to how much we owed. She offered to pay the difference, but she was so amazing we decided to just pay it anyways. Trust me, Mallory is great.

1. Ms Fotiades's approachable, very personable, and reliable. She's always ready to answer any questions that I may have. 2. Little electronic notes along the way while the loan is being process are a nice way to keep me informed. I really enjoy and appreciate this gesture!

Mallory is absolutely wonderful! I have never had such a pleasant and stress free experience on a mortgage before. I know a lot of work was going on that I didn’t see, but Mallory made it so easy for my wife and myself I almost feel guilty. Mallory kept everything moving quickly throughout the entire process and she responded to every question and concern amazingly fast. Mallory and her team were fantastic from start to finish. Thank you!

With this being our first house, Mallory made it easy by explaining every step to us and being available for all of our questions. She responded to emails and texts quickly, including some that we sent later in the evenings. We definitely would ask her to help us with future home purchases and will refer her to others.

I do not have enough word do expres how HAPPY and LUCKY i am that I chose to work with Mellory! THANK you Mellory very much, you are my Hero and Angel for this year!!!! 🙏🙏🙏 Got bless you and your family! LendSmart Rocks!!!!!

Mallory is extremely helpful and knowledgeable. Its rare to find a lender that has these qualities in addition to great rates and communication. Her military background is also huge bonus to anyone PCSing! Moving from out of state, sight unseen was very stressful and had the potential to be a nightmare. But she went above and beyond to insure our transaction went smooth. Thank you Mallory for making my first Military move a pleasant one!

We are so grateful l and blessed to have had Mallory guide and help us through this whole process. She assured us that she could get this done for us and she was constantly communicating and informing us of everything involved in the process. Mallory made us feel as if we were part of her family and that she had it all under control for us.

Her availability at anytime of the day. Her personality, advising on hard topics, and her patience all were key factors in our working and choosing her over DR Horton, USAA, and other financial institutions. Oh and her involvement with homes for Heroes program

Multiple mistakes were made by our Loan Officer that have negatively affected us including the failure to lock in our interest rate prior to an increase which will cost us tens of thousands of dollars over the span of our mortgage and the failure to purchase discount points prior to a cost increase which will again cost us tens of thousands of dollars in interest over the span of our mortgage. We deeply regret choosing LendSmart and have actively encouraged others to choose another lender.

This was me and my husbands first home buying experience. Mallory was nothing short of thorough and professional when it came to any and all questions we had. She answered everything so clearly, and sometimes she even answered the questions twice. She truly made buying our first home a stress-free experience. I plan to keep her contact information for our next home.

Mallory is probably the best lending officer I have ever come across. She's professional but most of all she cares. In addition, she is easy to work with and works really hard to give you the best case scenario. My wife and I kept telling ourselves how lucky we were to have her us our lending officer. If you are planning on buying a home anytime soon, I highly recommend you get in contact with Miss Mallory.

Mallory’s professionalism is unparalleled and, for me, she simplified the tedious lending process. Furthermore, Mallory continues to make herself available to ‘run numbers’ for would-be investors like myself. I’ve dealt with multiple agents in Okaloosa County, but she is my first (only) choice for new transactions. I would highly recommend her to anyone moving to the area or interested in investing as she is results-driven and will exhaust all avenues to make sure the customer is taken care of.

The seller wanted a quick close, Mallory and her team were exceptional and made it happen. I didnt have to worry about anything because Mallory was there to answer all my questions and take care of everything. It was a seemless process that went fast because she is a local lender and knows the process. I would recommend her and will use her again in the future. The rates were reasonable, as well, compared to national lenders. Thanks for all your help Mallory!

As a first time home buyer, Mallory was extremely helpful! She always had the answers to all of my questions, she make it very easy to understand everything, and made very helpful suggestions!

My family and I just purchased a home and we went through Mallory. She was very kind and helpful throughout the whole process. She answered all our questions as quickly as she could and made purchasing a home out of state easier than it should be. She was lovely!

Mallory was extremely professional and always had a positive attitude. She was available anytime to answer questions throughout the entire process. She was someone I was happy to have worked with and would recommend to anyone! Very personable and knowledgeable. Thank you, Mallory!!!

Mallory was quick and efficient and helped us understand the loan/lender process! Highly recommend! She helped us solve some issues that arose and helped everything be less stressful.

Wonderful service! Very Friendly and communication was great! With us being long distance communication was a must for us. I couldn’t have asked for better. So glad we chose Mallory with Lend Smart Mortgage for our lending process.

Mallory went beyond to make sure that our loan and closing was complete in an efficient and timely manner. She answered all our questions promptly and professionally. This was the easiest home loan process that we have ever completed.

Mallory was awesome to work with. She kept me updated with every step of the process. She’s very honest and will get you the best interest rate that’s available. My process went smoothly and I was able to close on time. I highly recommend her. If I ever buy another house I will definitely use her again.