Tony Zerwas

Vice President of Mortgage Lending
855 West Broadway, Ste B, Forest Lake, MN 55025
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NMLS: 321631
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All members of Guaranteed Rate were knowledgeable, wonderful, and caring. Buying your first home can be a a stressful process, but they do a wonderful job in making this process go smoothly.

Ryan H. - August | 2018

From start to finish everything went fantastic with Tony! Thanks so much for your help!!

James Z. | July 2018

Tony called or emailed me throughout the loan process with updates, and what was going on. Kristin was another one who kept me informed and updated throughout the process. Everyone was professional, respectful and made me feel important.

Cheryl B. | July 2018

Tony was very friendly, and informative! If I had a question he had the answers in a short amount of time. Dreams were made possible!

Sheila S. | July 2018

No worries, no problems, excellent service!

Jerilyn G. | June 2018

People were friendly,happy to help and they were prompt.

Francis D. - May | 2018

We love working with Tony Zerwas and his team. He made the entire process seamless, and this was our 2nd time working with him. We will recommend him to everyone we know looking to purchase.

Brenda L. | February 2018

This a very pleasant experience, could not say enough nice things about Tony, Kristine, and Beth all of them are super helpful and very friendly. No doubt they are the people to turn to when needing a loan. Thank you all again for everything.

Nicholas K. | March, 2018

Tony Zerwas was the only reason this deal got done. Thanks!

Joseph P. | December 2017

Tony and his team were friendly and easy to work with. Tony went above and beyond to answer questions and provide assistance.

Angela D. | November 2017

Tony and Kristin were great to work with. They made the process so simple and answered all of my many questions quickly. I whole-heartedly recommend working with them to anyone interested in getting a mortgage!

Thomas D. | 10/23/2017

Tony Zerwas and his team were excellent and very accommodating to all of our questions and any issues we had through your process.

Brian W. | 10/5/2017

Fast and easy approval! Was awesome.

Daniel D. | 9/25/2017

This is the 2nd time I've used Tony at the forest lake branch and have already referred family members to him. Made it super easy and painless!

Michael D. | 8/11/2017

This is the second time I have used GR and have recommended the local team to several friends. Thanks!

Adam A. | July 2017

Tony was our loan office, he and his team were great through the entire process!

Carson W. | 07/05/2017

Tony and Kristin where amazing. This was the easiest process ever and I would definitely recommend Guaranteed Rate in the future.

Jack E. | 06/21/2017

I was a 1st time home buyer and you guys made the process very easy and understandable. I have already recommended you to a friend and will use you in the future for when it's time for me to move again.

David N. - 2/23/17

Tony's team were amazing with the process of our construction loan and refinance. We are very happy with the end result of our project and the wonderful service we received from Guaranteed Rate!!!!

Michael G. – 1/23/2017

Kristin and Tony were great, all around. They were very helpful. They didn't mind the several extra emails they received from me. We had a few hiccups but were able to work with me to get them resolved. They did such a great job, we are so happy we went with them.

Jillian T. – 1/13/2017

Tony Zerwas was outstanding! He was always there to answer any questions and explain things. Any person that I dealt with was very professional and very informative. I would absolutely work with them in the future and will refer anyone I know to them! I cannot say enough good things about Guaranteed Rate and am happy I was referred to them!

Benjamin G. – 12/19/2016

Tony Zerwas was great to work with. Have a friend looking for a home and giving her Tony's business card.

Patricia G. – 11/23/2016

Tony and his team are so great to work with!!

Joshua S. – 11/3/2016

Tony and Kristen were both wonderful. They were both very knowledgeable and extremely helpful throughout the entire process! We would use them again in a heartbeat and wouldn't hesitate to recommend them to friends and family.

Jeremy V. – 9/23/2016

I was impressed with the customer service. Everyone was extremely helpful. They were all very professional, always willing to take the extra step in to making me feel comfortable in what I was doing. I felt very relaxed in this whole situation because of Tony and Kristin's awesome ability to make me feel comfortable.

Lesli H. – 9/19/2016

We have been trying to refinance our home loan for 7+ years and Guaranteed Rate made it happen for us!!! We got locked into an ultra low interest rate and everyone we worked with was simply amazing! This was the best financial experience we have ever had. Thanks to Tony and Kristin for just being awesome at what they do and everyone else at Guaranteed Rate that helped us with our loan as well!!

Chad W. – 8/29/2016

Tony was just a wonderful to work with! My experience with him was much better than another closing. Very organized and explained every step. I have referred him to two other people already, I know my realtor has as well.

Catherine K. – 3/3/2016

Tony Zerwas is very knowledgeable. He really cares about his clients and is timely on returning calls or emails.

Frederick K. – 8/12/2016

Tony was AWESOME!!! Very stress-free experience.

Monica A. – 8/8/2016

Tony was fantastic to work with. He made the entire process very simple for us. He was available whenever we had questions and he made us feel like we were a priority for him. Great job!

Adam K. – 8/1/2016

Dealing with Tony Zerwas and his staff was a fantastic and easy process. My wife and I cannot speak highly enough of the way they treated us more like friends than a client. It was super easy and a very pleasant experience . We would and will recommend Tony Zerwas and Guaranteed Rate to anyone.

Gerald S. – 7/29/2016

Tony Zerwas was an outstanding loan officer. Very prompt to respond to any questions. His knowledge of the whole process help to make the whole process simpler and easier to understand.

Judith G. – 8/2/2016

Tony was amazing! We called Tony and he got everything done in 2 weeks! He was amazing! Him and his team worked fast to help close our loan. I now own my own home for the first time, and it's all thanks to Tony and his team!

Varian T. – 7/12/2016

Guaranteed Rate made every effort to get the best loan experience for me to buy a new home. The best banking experience I have ever had. Thank you Guaranteed Rate.

Clark N. – 6/13/2016

Tony and his staff made it incredibly easy through out the loan process, and were very understanding with all of my questions and concerns. Always wiling to answer any question I had and very thorough with their follow-up. I appreciate all their help and they did a fantastic job and I will highly recommend them to anyone I know that will be buying a home. Awesome job!!

Daniel S. – 5/11/2016

Tony and his staff (Beth, Kristin, and Ruth) were professional, prompt, and organized. The four step process from application to closing went very smoothly. Lori and I had Guaranteed Rate recommended to us by some friends, and we will definitely do the same for any friends, family, or co-workers that may be looking for a mortgage. It was a pleasure doing business with Guaranteed Rate.

Mark K. – 11/30/2015

First a HUGE THANKS to Tony Zerwas and Kristin Rose out of the Forest Lake office!! Above and beyond, every email, every phone call and all questions answered!! Thanks to Chance and Beth also. They made it to so easy and smooth!! I would definitely recommend!!

Jamie L. – 11/25/2015

Tony and his team were great people to work with. Very helpful and informational. Tony did awesome and is very knowledgeable as well as the rest of his team.

Bethany T. – 11/2/2015

The process was absolutely painless on my end. Everyone I interacted with was completely knowledgeable and professional. My loan officer, Tony Zerwas, was simply amazing! Hats off to him, plus a HUGE shout out! Thank you, thank you, thank you!

Donald F. – 9/15/2015

Tony was responsive, clear, and detailed. Everything went very well. I am glad I was working with him.

Paula C. – 8/28/2015

Tony was very pleasant to work with. He made sure everything was done in a timely fashion and always got back to me within hours, if not minutes! Tony was very easy to get a hold of and willing to go out of his way to make things go as smoothly as they did. I am very pleased with how everyone in this company handled the process from start to finish. There were absolutely no bumps in the road and could not have gone better. I will work with Tony and the employees at Guaranteed Rate again down...

Jessica R. – 7/15/2015

Tony and his team were very good to work with. He was very quick and answered everything I brought up. The whole process was excellent. I recommend him to everyone looking for a loan.

Travis M. – 6/29/2015

Tony was hands down amazing. Always quick to answer questions and fast on updates.

Lucas D. – Blaine, MN | May. 2015

Tony was hands down amazing. Always quick to answer questions and fast on updates. There was never a question Tony couldn't answer. He took the time to explain everything and made sure we always knew what was going on. Tony made the process less scary and very understandable.

Lucas D. -- 5/8/2015

Tony always does a great job!!!! I have already recommended him to a friend!

Eric P. -- 3/31/15

Tony Zerwas was always available when we had questions for him. He always had a quick answer and was willing to help. I have shared with many people how helpful Tony was in financing our home! He helped make our dreams a reality!

Jake L.

Tony did a great job of taking care of everything from start to finish! I was more than impressed!!

Mary Jane L.

Tony Zerwas went above and beyond to help us. He is very knowledgeable, hard working, and took the work off of us. I would recommend Tony and Guaranteed Rate to anyone.

Howard J.

Tony did a great job. He guided us through the entire process patiently and professionally. We felt very comfortable working with him.

Eugene K.

Gwen, Ruth and Tony were awesome to work with! They kept me informed of the process. From application to closing, everyone involved made buying my home stress free.

Jennifer P.

Thank you Tony for all the work you did for Kara and I. We are extremely grateful that we had you as our loan officer. You made it easy for us and were very informative through every step of the process!

Jake L. -- East Bethel, MN 7/6/2014

Tony was fantastic! I have been referring him left and right because of how good of a job he did. Everything was absolutely wonderful.

Daniel M. -- Taylor Falls, MN 4/22/2014

Our loan officer, Tony Zerwas, was efficient, prompt, and responsive to any inquiries. His organization and ability to guide us through the process made everything very smooth and kept things moving forward without any issues.

Kale H. -- Forest Lake, MN 2/25/2014

Hey, check out this amazing review from Jeanette about Tony! “Tony Zerwas of Guaranteed Rate assisted our clients in financing their new home. They were previously unable to close the transaction with a different company. Tony took over the file and they were able to successfully close in less than two weeks. Tony understands and explains the process very well. We have worked with him several times and he always does a fantastic job. Tony always provides our clients with top notch service at...

Jeanette D., Realtor – Forest Lake, MN – 7/2013

Great! The entire process was very smooth, and Tony even helped keep my buyer's agent on schedule when he started to become a bit lax.

Adam A. - New Hope, MN 8/2012

About Tony

Selected for Minnesota Monthly magazine’s 2015, 2016, and 2017 list of Best Real Estate Professionals.

Tony interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage business for 12 years. I was inspired to get into this field to try and help people realize the joy of homeownership! I love the excitement of closing, whether they are first time homebuyers, buying a vacation home or investment property, or refinancing.
What advice would you give new or first time home buyers?
The best advice that I would give for a new or first time home buyer is to make a budget of your monthly expense so you can make an educated decision on how much of a monthly payment you can afford. After you have a payment in mind, tell your mortgage professional so they can find the best mortgage product that will meet your budget and financial goals.
What can borrowers do to insure a smooth mortgage underwriting process?
The most important thing that a borrower can do to insure a smooth mortgage process is to provide everything that is asked from your mortgage professional in a timely matter. Don\'t hesitate to ask questions, but understand that there are strict guidelines that every consumer has to follow to get approved for a mortgage loan.
Summary of where you grew up: family, affiliations, college, high school, etc.
I grew up in Hugo, Minnesota with two sisters and a brother. I attended Mahtomedi High School and played Football, Track and Baseball. After high school I attended Concordia University where I obtained a double major in Marketing and Finance. After I graduated from Concordia, I moved back to Hugo where I still live with my wife and daughter. I also am member at Eagle Brook Church in Lino Lakes, Minnesota.
Tell us something that makes you unique or something wacky, yet interesting about you?
Along with being a mortgage broker, I enjoy all outdoor activities. I love to be in the woods or on the lake as much as possible. Most of all I enjoy spending as much time as I can with my family!

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