Tony Zerwas has been in the mortgage business for more than 20 years, and has been recognized by his clients for his outstanding customer service numerous times. Tony believes in putting his customers first. His goal is to help you through the process, making it easy to understand and comfortable for you, as well as ensuring that your loan closes as quickly as possible. Tony was inspired to get into the mortgage business to help people realize the dream of home ownership. He is a Renovation Loans Specialist and also loves doing VA Loans, and helping first time homebuyers with down payment assistance programs.


Tony graduated from Concordia University with a double major in Finance and Marketing. He grew up in Hugo, Minnesota, where he currently resides with his wife, daughter and son. He is a member at Eagle Brook Church in Lino Lakes, Minnesota and is passionate about the outdoors. He especially enjoys Minnesota's 10,000 lakes with his family during the summer months.

Producing Sales Manager

Tony Zerwas is your Forest Lake local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Tony is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Tony at (612) 293-0228 for more information!

Tony Zerwas at Rate (NMLS #321631)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Sales Manager

Chance Norby is your Forest Lake local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Chance is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Chance at (651) 464-9094 for more information!

Chance Norby at Rate (NMLS #348469)

VP of Mortgage Lending

Rob Albin is your Forest Lake local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Rob is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Rob at (651) 464-9094 for more information!

Rob Albin at Rate (NMLS #193815)

Forest Lake

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3 Loan Officers in Forest Lake, MN