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About Me


          My name is Michael S. Ruhland, and I've been in the Mortgage Industry since I was 16 years old. I have experience in many types of loans. Below is a summary of some of my qualifications and accomplishments:

• Licensed Mortgage Broker in Minnesota and Wisconsin
• Experienced loan closer and researcher including: FHA, VA, Conventional, 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 managed the most successful LendSmart Mortgage Branch in the United States.
• Increased flow of business over 200% in a year.
• Top Ten producing loan officer for three years.
• Awarded the President’s Club Award for three years.
• Developed and promoted new product outlets that increased company earnings by 23%
• Generated record revenue of over $450,000.00 in one month.
• Proficient in Mortgage industry laws
• Completed Housing assistance program training for MHFA (Minnesota Housing and Finance Agency)


I specialize in ANY type of Mortgage, from a tough commercial hard money loan, to a normal conventional purchase of a residential property.


Michael Ruhland, Trusted Advisor NMLS # 215129 MN Lic # MN-MLO-215129
LendSmart Mortgage, LLC. NMLS # 4474
5001 American Blvd. W, Bloomington, MN  55437
Direct:  (952) 548-8291
Cell:  (612) 618-6039
Copyright © 2018
Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.
Lend Smart Mortgage, LLC
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