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The Shortest Distance Between You and Home

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Scott Herzog, Jordan Johnson, and Michael Kopiecki

Owners of M&M Mortgage, LLC



Our ownership believes in putting clients first.

The culture of M&M is a culture of fresh thinking, perspective, insight and a whole lot of hustle.

Experience the difference with M&M MORTGAGE. We turn your dream home into reality.

M&M MORTGAGE educates each client to create a partnership with a healthy foundation for a lifetime of service.



The M&M team harnesses their experience & expertise across the mortgage industry to provide you with forward thinking & energized consulting to help you achieve your goals.



The M & M Mortgage team is excited about its existing partnership with Children’s Hospitals and Clinics of Minnesota and the ability to support kids in our community.  Children’s Hospitals and Clinics of Minnesota are delivering next-generation care, and M & M Mortgage is giving their clients the opportunity to help give children an even better place to heal by donating loan proceeds.

Fundraising ideas for schools, churches, and youth sports teamsThermometer By ABC Fundraising®

Today's Rates

Mortgage Rates change on a daily basis and can vary depending on your unique situation. Simply use this form to receive FREE and accurate rate quotes from a nationwide network of trusted lenders.

Purchase Assistant

This Free Purchase Assistant has been designed to help narrow down options based on your individual needs. It’s quick, it’s easy, and the results are accurate. You’ll receive the Purchase information you need without all the calls and emails!

Refinance Advisor

This Free Refinance Assistant has been designed to help narrow down options based on your individual needs. It’s quick, it’s easy, and the results are accurate. You’ll receive the Refinance information you need without all the calls and emails!

Mortgage Calculator

In today's economy, budgets are important. Use this FREE Mortgage Calculator to see how much you can actually afford.

Loan Options

There are several different Loan Options available depending on your needs. The more information we can gather the better we can assist!

What our clients are saying

  • Danny was awesome! He made my first home buying experience super easy and was always checking up with me and updating me!

    thumb Adam Olson

    Ben was great to work with. He kept us informed throughout the process, through our seamless closing, and has continued to follow up to ensure all is going well in... read more

    thumb Jenny Monette

    Curtis was absolutely wonderful to work with. Highly recommend!

    thumb Christopher Veeder

    April Thurmes is the best person to work with when stressed about a new refinance due to lots of debt. She knows everything. She has lot of detail... read more

    thumb Stacy Monahan
  • Great service from Ben Omundson and M&M Mortgage. It's easy to feel in the dark about a process like this, but Ben communicated clearly, often, and was extremely responsive... read more

    thumb Dominic Zappia

    Benny Omundson took care of us from start to finish! Amazing guy whom goes the extra mile to make our minds at ease! I will be recommending him to everyone!

    thumb Julie Clark

    Danny Kovack was amazing to work with! He got me the best loan possible and was incredibly knowledgeable!

    thumb Preston

    Danny Kovack is an overall good person who tirelessly goes above and beyond to make sure that his clients are taken care of. Thank you so much for many... read more

    thumb Marisa Simonetti
  • Danny was fabulous to work with. As a realtor results matter. My clients first loan officer was not getting it done. Danny was recommended to my buyers... read more

    thumb Mitch Brown

    Working with Benny Omundson was hands down the best experience! He was able to push our closing through 2 weeks earlier than it was originally planned! Benny is absolutely amazing... read more

    thumb Darrick Vall

    Benny Omundson was a pleasure to work with! Not only did he get us in our home, he did it QUICK! He is very knowledgeable, friendly, patient, and kind! You... read more

    thumb Krista Asfaly

    I am a real estate agent and have worked with lenders in the past that are lazy, transactional and look at their clients as just another number. At the end... read more

    thumb Mallory Johnson
  • I am a new realtor getting my business created, was able to get a meeting with Jordan to help further explain and understand the process of how to be more... read more

    thumb Gaberial Mannie

    Chris Johanski did a great job processing our loan and Dawn his assistant both were great and i reccomend them to others if they need assistance Thank you

    thumb Kevin king

    Jordan is so insightful and truly wants to see and help others succeed. He is always available for questions and has answers to anything mortgage wise. If you're looking for... read more

    thumb Marissa Jerinnie

    Always great working with Ben

    thumb Scott Melton
  • I had the privilege of working with Benny on a recent transaction. He was extremely responsive, knowledgeable, and the entire process went smoothly. Because of his hard work we got... read more

    thumb Angie Nathe

    I am a real estate agent in Wisconsin and worked with Scott Herzog on a recent transaction. I was very impressed with Scott through out the entire transaction, especially his... read more

    thumb Alex Woodward

    Ben Musselman helped make the process of buying a home (aka getting a mortgage) as smooth as possible. We met with him before we even started looking for houses, so... read more

    thumb Jeff Schaller

    I'm a business partner of Danny Kovack and I would highly recommend him to anyone looking to enjoy their mortgage process. He has some of the best customer service in... read more

    thumb Nathan Atkinson
  • Our closing was done with little stress, and on time. Great job Ben Omundson!

    thumb Tammy Gilbert

    Amazing people to work with! Very friendly and they take the time to answer all of our questions. One thing that was amazing is my sister's told us in their... read more

    thumb Kronons

    April and M&M Mortgage are the best. April took the time to answer all my questions and pushed to get our loan closed in just a few weeks. They went... read more

    thumb Shari High

    Nick M. and the rest of the team was very helpful, knowledgeable, and accommodating. 10 out of 10

    thumb Aaron Binman
  • My husband and I were recently referred to M&M Mortage as we were starting our home buying process. After being educated what brokers do and how they benefit the home... read more

    thumb Danielle Olivieri

    Graham is an awesome mortgage broker! He is so knowledgeable, gives options, is extremely quick at running numbers and is so supportive through each step of the home buying process!... read more

    thumb Raelyn Sampson

    Scott at M&M Mortgage did a fantastic job helping us buy our dream home! The whole process was easy and understandable, and all of the members of the M&M team... read more

    thumb Matthew Weishan

    Ben is one of the best Lender's I have worked with in this business. He is smart, responsive, ethical, and he truly cares about his clients. As a... read more

    thumb Jen Azure
  • This mortgage broker, Danny Kovack, he’s something else. You look at him, and you might think he’s just a fresh-faced youngster, but don’t be fooled by appearances. Danny’s got years... read more

    thumb choua xiong

    April from M &M Mortgage was great to work with. Very helpful and responsive to any and all questions!

    thumb Brenda Wieland

    My husband and I recently had the pleasure of working with Mike Petry at M&M Mortgage in the process of buying our first home this past month. To say we... read more

    thumb Ashley Malmquist

    Update 2023: I had another opportunity to work with Ben Musselman at M&M Mortgage, and this time it was for a mortgage on a new home purchase. Going through the... read more

    thumb Nathan Lassen
  • I just purchased my first home and going into it I was overwhelmed, but after being introduced to Graham Kaun all my worries went away! He was always very helpful... read more

    thumb Dmitry Ivanov

    Danny Kovack was great at educating me on the details of my mortgage and working with me to find the right amount of money to borrow. He was in constant... read more

    thumb Nathan Erickson

    We had a great experience working with M&M Mortgage and specifically Danny Kovack on securing a loan for our first home. The process went incredibly smooth which helped so much... read more

    thumb Jacob Johnston

    Cannot say enough great things about M&M and specifically Mike Petry. This was my first time going through the process and everything was explained thoroughly, if I still had any... read more

    thumb Joshua Ritter
  • Mike was awesome leading us through the process of buying our first house. He really takes the time to explain every part of the process. I would highly recommend M&M... read more

    thumb Caleb Smith

    Hi I just wanted to give a HUGE SHOUT OUT to “Spencer Brady & Dawn Johnson” at M&M mortgage. They took an impossible loan and made it possible, when no... read more

    thumb Dan Bumgarner

    Michael Petry is a mortgage rockstar! He is responsive, professional and genuinely great lender to work with. Although I was representing the seller, Michael kept me and the seller updated... read more

    thumb Karine Loobas at Weichert Realtors Tower Properties

    Thank you to Nicholas Schneider for making our home buying process as smooth and quick as possible !! He’s very attentive and knowledgeable, this wouldn’t have been possible without him!... read more

    thumb La Santos

About Us


  • Experienced and Seasoned Ownership and Operations Team
  • Broker through a Variety of Wholesale Lenders
  • NMLS and SAFE Licensed Mortgage Consultants

 We are committed to building a diverse workforce of talented individuals who embody our mission to bring smart perspectives and practical outcomes to our clients. At our core, we believe diversity and inclusion are table stakes and work each day to promote these values through a variety of initiatives, activities and organizations.

M&M Mortgage, LLC

1700 West Highway 36
Roseville, MN 55113
Phone: (651) 639-9806
Fax: (651) 829-3226