Your Personal Lender for Life


Meet Cindy

Cindy Zemien has a passion for helping her clients achieve their dreams of home ownership. For more than 25 years, Cindy has built a solid reputation for exceeding her clients’ expectations by providing excellent service. She builds trust by seeking to understand your unique situation and financial goals, then offering you mortgage solutions that meet or exceed those goals.

Cindy is proud to have a large number of repeat customers, and her strong relationships with real estate professionals have lasted for decades. She loves working with first-time home buyers and prides herself on keeping up to date with new programs that may benefit her clients. Cindy is committed to earning your confidence whether you are buying your first home, refinancing your current home, building a new home, buying a bigger home or looking for your retirement home. She will go the extra mile to educate you on the various programs available.

How Cindy Works

Cindy is always available! Understanding that most people don’t buy a house Monday through Friday, from 9 to 5, Cindy is available in the evenings and on weekends to ensure you have the resources you need to buy your dream home. She will be there to get you a pre-approval letter day or night whatever it takes to help you get your offer accepted.

Expertise & Specialties

  1. First-time Homebuyers
  2. Conventional Loans
  3. Government loans: FHA, VA & USDA
  4. Construction and Renovation Loans
  5. Down Payment Assistance Loans
  6. Vacation homes and relocation licensed in Minnesota, Wisconsin, Iowa, Tennessee, Florida, Arizona, California, North Carolina and Texas

Tools and Resources


Download my electronic business card and get resources to help with your mortgage research.

Receive 24/7 access to various tools and calculators to help you research mortgage or refinance options. You can easily share this app with friends and family.

With access to multiple investors, we give clients the flexibility of highly competitive rates and a wide variety of loan programs. We have access to portfolio financing, which provides clients with more financing options.


  • Calculate payments
  • Real-time rate trends
  • Request a pre-approval
  • Share with family friends & clients


Receive monthly reports that offers you home finance insights.

Homebot is a monthly report that offers home finance insights to monitor your estimated home value, estimated equity, loans and market trends to help you know when to buy, sell, rent or remodel to maximize your investment. Click this link to sign up to receive monthly reports or if you already signed up, to sign in and access your Homebot report. 

Homebuyer Education

Each program has different homebuyer education requirements.  Contact me to talk through the right homebuyer education course for you. Click Details below to view program links.


Click the link to download my digital business card!

With the Popl digital business card, you can make sure that you have my most up-to-date contact information!

Community Involvement

  • Member of Apple Valley Chamber of Commerce

Honors & Awards

  • Super Mortgage Professional 2010-2022

More About Me

Cindy loves her job, and it shows in every aspect of her work. She loves working with her clients and forms a friendship with each one of them that lasts for years to come.

The balancing factor for Cindy is time spent with her family. Cindy has built her successful career on the foundation of a strong, loving family. When she is not caring for her clients, Cindy can be found gardening, taking long walks with her husband Joe, running around with her family or spending time together “up at the lake" where she enjoys fishing, boating and relaxing with family and friends.

Brooke wedding picture
Cindy Zemien and husband
Brooke wedding picture
Cindy Zemien and husband