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Phil Zastrow


31095 Bergquist Dr. Pequot Lakes, MN 56468

Branch Manager NMLS #205665 Apply Now

Purchase Quote

Get a free quote to purchase a home in as little as 10 minutes

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Refinance Quote

Get a free quote to refinance your home in as little as 10 minutes

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Free Consultation

Get a free consultation and speak to one of our loan officers today

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About Me

I've been in the mortgage industry for 24 years. I started as a local loan officer for a mid-size company based in Minnesota. Currently, I originate and manage offices in multiple states. My passion is twofold. Helping borrowers purchase their 1st, 2nd, or 10th home or refinancing them into a stronger financial position are paramount to the way we do business. Knowledge and customer service are key.

State Licenses:

AZ LO# 1000974 - FL : LO39703 - MN : MN-MLO-205665 - MT : 205665 - ND : NDMLO205665 - SD : MLO.09962 - WI : 205665 - CA : CA-DFPI205665 - IN : 58418 - GA : 205665 - IA : 48310 - MI : 205665 - NC : I-196643 - OH : MLO-OH.205665 - PA : 101621 - SC : MLO - 205665 - TN : 205665 - TX : 205665 - VA : MLO-66278VA - WA : MLO-205665

Realize Your Homeownership Dreams

Purchase A New Home

The housing market is hot right now. That makes choosing the right mortgage company more important than ever. Gain an advantage on the competition by working with us.

Amazing Loan Options

Free Loan Evaluation

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Refinance Your Home

What does it mean to refinance your mortgage ? Refinancing your Mortgage is essentially replacing your current mortgage with a new one at different terms. Whether its to lower your rate, take out cash or consolidate bills, refinancing your mortgage can help improve your overall financial status.

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Improve Your Financial Position


Home Loan Programs

(Conventional, FHA, VA, USDA, Reverse, Jumbo)

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Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

* The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.


Phil and company were excellent partners on our home-buying journey. Phil worked hard to find the best loan type for our situation and he and his team kept us informed every step of the way. Overall, friendly, straightforward, and knowledgeable. I highly recommend to anyone shopping for a new home.

Emily S

Phil and his team were very patient and diligent with the process. The APP was easy to use and we submitted most everything online. The whole process was smooth. I would definitely recommend LendSmart Mortgage to anyone that is looking to refinance!

Lana A

These people are awesome at what they do! They can take care of any mortgage dilemma that comes up!! These folks know what needs to be done as well as what's needed to get the job done.

Henri M

Do you want to get updated what's coming

Contact Me

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