Meet Cindy

Cindy Zemien has a passion for helping her clients achieve their dreams of home ownership.

For more than 20 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.

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.

Expertise and Specialties

  • MHFA
  • Dakota County Bond Program
  • VA
  • Conventional
  • FHA
  • New construction


MortgageMapp is an electronic business card that does more than share my contact information with you. It also gives you 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

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More About Cindy

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 running around with her kids or spending time together “up at the lake.”

Honors and Awards

Super Mortgage Professionals 2010
Super Mortgage Professionals 2011
Super Mortgage Professionals 2013
Super Mortgage Professionals 2014
Super Mortgage Professionals 2015
Super Mortgage Professionals 2016
super mortgage professional 2017
2018 super mortgage professional
SMP 2019

Community Involvement


  • Spare Key
  • Apple Valley Chamber of Commerce