Branch Photo

MN - Forest Lake

Branch Manager: Chance Norby
  • o: 651-464-9094
855 West Broadway, Ste B, Forest Lake, MN 55025
Contact Us
NMLS: 196473
Ready to start your Digital Mortgage?
Apply Now

TestimonialsCustomer testimonials Read more

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

Rob Albin was excellent! Will recommend him to others in the future

Nicholas W. | May 2018

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

Chance made the whole process so easy and pain free. I was referred and I have already referred someone else to use Guaranteed Rate.

Michelle J. | May 2018

Chance Norby was amazing to work with. It was like working with a friend we had known for years. I have bought three homes and have never had a closing and all of the preparation steps leading up to the closing go as smooth and worry free as they did. I truly believe our positive experience was because of the approach and personal touch Chance put into every communication and touch point throughout the process.

Stephanie H. – 6/2/2016

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

Monica A. – 8/8/2016

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

I can't say enough good things about Chance, he made the loan process simple and answered any questions that came up. I'd recommend him to any one I know looking for a loan.

Jennifer F.– North Branch, MN | JULY 2015

Rob was excellent in making this a very easy transition. Always kept me up-to-date with the process. Would highly recommend him!!

Gaylene G. – 10/2/2015

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

Rob Albin and team were great! Easy to work with and always pleasant and helpful.

William K. – 7/14/2015

Exemplary service, availability, and a delightfully personable demeanor.

Dustin B. – 7/24/2015

I was very satisfied with Rob Albin. Overall it was a very smooth process. I felt informed and cared for as a customer.

William S. – 6/26/2015

Thank you for all your hard work. It has truly been a pleasure to work with such a professional staff. Kudos to you for leading your team in this manner.This potential "New" closing date helps us greatly so we are able to do some minor remodeling prior to moving in.

Robert M. 10/07/2014

"My realtor recommended Guaranteed over what I may be able to do at a bank. I had never heard of Guaranteed Rate since I came from Wisconsin. I have seen some ads since in the paper. It was very easy working with Chance. He answered my questions and always got back to me when I called even if he wasn't in the office at the time. His availability helped take some of the stress off since I was having some issues with the bank and my license."

Karen S. -- Scandia, MN. -- 12/2013

" I will recommend Chance and Guaranteed Rate to anyone that is looking for a loan. Chance and his team were super helpful. I never like I was bothering him because they were always just willing to help no matter how often I called or emailed. Thanks for the good job!"

Valerie H. -- Saint Paul ,MN -- 6/ 2013

Julianna is extremely knowledgeable about mortgage lending. She continually keeps up with all changes in the mortgage industry and can help almost anyone with their lending needs.

Terry B.

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

Very well - Chance and Ruth are both GREAT and went above and beyond to help me through the process. I am a very nervous person and they were wonderful in helping and understanding me. Greatly appreciate both of them!!

Annette B. - Columbus, MN 7/2012


Here at Guaranteed Rate, we have a philosophy to “lend where we live”. We are dedicated to meeting all of your lending needs and are armed with a full array of loan products to do so. You will find that we strive for the industry leading value proposition for our loan officers, referral sources and customers at Guaranteed Rate, which is why we work by a set of Core Values. In our office, our priority is to put the customer first.

We are proud to have Guaranteed Rate’s World’s First Digital Mortgage at our disposal. This is invaluable to both clients and realtors because it also allows clients to choose their own loan type, receive free credit scores from all three bureaus, securely upload and digitally sign your loan documents then receive a real online approval!

Our branch is looking to exponentially grow its production this year. So, if you're looking for new career opportunities, start with us! We hire the best of the best and are looking for new team members. Come grow with us!
FHA 203k Mortgage Loan

FHA 203k mortgage facts

Find out more about the FHA’s 203k mortgage loan, one of the most competitive and innovative financial tools available.

Join As A Loan Expert


Would you call yourself a Loan Expert? We’re looking for Loan Officers to join our team. Join Guaranteed Rate today!

Apply now

See how easy the Digital Mortgage works

Featured agents

    Become a partner

    Sign up for Gateless