Forest Lake is one of the north metro's most sought-after places to live — an easy I-35 commute, strong schools, and homes that range from in-town starters to waterfront on Forest Lake and Comfort Lake. Whatever you're after, you'll work directly with Tony Zerwas to find the right loan.
Mission Home Loans · 104 Main St W, Ste 7, Isanti, MN 55040 · 651-246-7672 · Tony Zerwas, NMLS #2402427
Forest Lake's mix of housing is what makes it interesting to finance. A first-time buyer near downtown, a growing family in one of the newer developments off Broadway, and a buyer going after a year-round home on the water each need a different approach — and lakefront and higher-value homes sometimes push into jumbo territory. As an independent broker, I match each one to the lender that handles it best.
One note veterans ask about often: a VA loan can absolutely buy a Forest Lake lake home, as long as it's your primary residence. A weekend cabin would use a conventional or second-home loan instead. I'll help you sort out which path fits.
$0 down and no monthly PMI for veterans — including primary-residence lake homes in the Forest Lake area. VA loan details →
Competitive financing for move-up buyers and higher-value or waterfront homes. Conventional details →
Lower down payments and flexible credit for buyers getting into the Forest Lake market. FHA details →
Lower your rate, tap equity, or streamline an existing VA loan on your Forest Lake home. VA IRRRL details →
Around Forest Lake, Tony also helps buyers and homeowners in Wyoming, Columbus, Lino Lakes, Hugo, Chisago City, and North Branch, plus communities across Minnesota — and Florida and Wisconsin. Local when you want it, online when you need it.
Call, message, or apply online in about ten minutes. No pressure — just straight answers from someone local.