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 Guaranteed 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 Guaranteed Rate (NMLS #321631)

As your trusted Guaranteed 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 Guaranteed 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 Guaranteed Rate (NMLS #348469)

Earl has been Licensed in Real Estate since 1979. He started in the mortgage business in 1989. He owned a mortgage brokerage from 1994 to 2006. He successfully managed a land development project involving 96 residential lots 1996 to 2001. He started in Reverse mortgages in 2002 and joined Guaranteed Rate in 2009.


Earl spearheaded the development of the Grate Reverse department, and he currently manages the only full time Reverse office in Guaranteed Rate. Grate is ranked nationally in the top 50 of all Reverse mortgage Brokers. Earl has closed over 1,200 Reverse mortgages during his career.


He conducts educational Reverse mortgage seminars for RE agents, loan officers and other professional groups. He has held the office of President in Kiwanis and a variety of non-profit community groups as well as being a member of local business associations.


Earl and his lovely wife have 8 kids and 16 grandchildren that keep their lives busy.

VP of Mortgage Lending/Reverse Mortgage Specialist

Earl Rose is your Forest Lake local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Earl 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 Earl at (612) 293-0209 for more information!

Earl Rose at Guaranteed Rate (NMLS #212480)

VP of Mortgage Lending

Rob Albin is your Forest Lake local lender. As a loan officer at Guaranteed 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 Guaranteed Rate (NMLS #193815)

Forest Lake

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4 Loan Officers in Forest Lake, MN