The "loan process" is not something that happens in an isolated period of time. Whether you're buying your first home, moving up or moving on, mortgage financing is an integral part of your household finances, because your home is usually your biggest asset and housing is usually your biggest expense. Getting a mortgage takes planning and consideration of your entire financial situation - whether or not it's the first time. It's important to make choices that make sense now and for your future.

The My Smarter Mortgage Team understands the intricacies of mortgage financing and the challenges consumers have at all stages of their lives. We understand you because we are you! The members of our team represent all the ages and stages of the people we serve. We face the same life challenges and obstacles that you do and it's an honor to help you finance your dreams using our knowledge and experience - both professionally and personally.

Application Services

Mortgage Calculators

We have provided a list of Mortgage Calculators for your convenience. How much will your payments be? Affordability? Mortgage Length? Mortgage Principle? How much income do you need to qualify? What if I pay more every month?

Fast Application

With My Smarter Mortgage, you’re in good hands and can have the peace of mind knowing we offer a wide variety of loan programs and most current rates available, together with the assistance of a seasoned customer support team.

Apply Online

Whether you are buying your first property or your fourth, we understand it can be a big and often daunting decision. That’s why we want to make applying for your home loan quick and easy. This application should take you approximately 20 minutes to complete.

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Kelvin Kaemingk: Why Work With Me?

Meet the “My Smarter Mortgage” Team


We have been doing business with Kelvin for over 10 years. He is the go to guy for a professional Mortgage consultant. I have used him on my personal investment property mortgages. When attempting to refinance an investment townhome, Kelvin always finds just the right loan.

Keith & Sheila Hittner

Kelvin helped me with a mortgage over $300K. He was on top of every single detail. We got through the closing process in a breeze–no mistakes, no issues, no brainer for anyone to use Kelvin for their mortgage or refinance needs.

Craig G.

We chose Kelvin’s team for our loan because they talked about the whole financial picture beyond just the mortgage. We loved the assurance that we had the lowest cost, as well as their reassurance that things were going fine.

Joel & Rachel Hansen

We highly recommend the My Smarter Mortgage Team! We loved the constant updates and quick replies to all of our questions and concerns. They were very personable and easy to work with.

Ryan & Dawn Roesler

I chose Kelvin to do my loan because he is good! Kelvin’s team kept me informed at every step of the way. They have been the best!

Thomas Michaud

Kelvin is the consumate professional. He is results driven with a keen attention to detail, focused on meeting deadlines and providing outstanding service.

Gordon Teller Senior Vice President at Nuveen Asset Management

Latest on the Blog

Why Is There So Much Paperwork to Sign to Get a Mortgage?

by The KCM Crew We are often asked why there is so much paperwork mandated by the bank for a mortgage loan application when buying a home today. It seems that the bank needs to know everything about us and requires three separate sources to validate each and every entry on the application form. Many buyers are being told […]

Is the Current Pace of Home Sales Sustainable?

by The KCM Crew There are some experts questioning whether the current pace of residential home sales is sustainable. Are too many people buying homes like in 2004-2006? Are we headed for another housing crisis? Actually, if we look closely at the numbers, we can see that we are looking at a very healthy real estate […]

Mortgage Standards Easing TOO MUCH? NO!!

by The KCM Crew There is no doubt that getting a mortgage is easier today than it was right after the housing crash a decade ago. However, the easing of credit availability has led to some questioning of whether or not we are headed for another housing crisis. Let’s put everything into the proper perspective. Mortgage […]

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