Home / About Tony
Tony Zerwas, U.S. Air Force Veteran and VA loan specialist at Mission Home Loans
VA Loan Specialist · Minnesota, Wisconsin & Florida

Tony Zerwas

Tony Zerwas is a U.S. Air Force Veteran who served from 2007 to 2019, including a deployment to Baghdad, Iraq, in support of Operation Iraqi Freedom and Operation New Dawn. He has used his own VA home loan benefit to buy six homes, and he has closed more than 130 VA loans in the past four years. RETR data ranked him the #1 individual VA loan officer in Minnesota for 2024. He is licensed to originate in Minnesota, Wisconsin, and Florida.

  • U.S. Air Force Veteran, 2007–2019
  • OIF / OND · Baghdad, Iraq
  • 6 homes bought with his own VA loan
  • 130+ VA loans closed in 4 years
  • #1 MN VA loan officer, 2024
  • 4.94★ on Experience.com
Start My VA Loan Call or text 651-246-7672
In Tony's words

Both sides of the closing table

“I've used my VA loan six times. I know this benefit from both sides of the closing table.”

I've been the Veteran signing the paperwork, and I'm the loan officer making sure the details get handled before they turn into problems. That's what I bring to every VA buyer I work with: someone who has walked the same path, and who knows how the benefit actually works when it's your house on the line.

I work with Veterans, service members, and surviving spouses across Minnesota, Wisconsin, and Florida, from first-time buyers to Veterans on their second or third VA loan.

Service & Career

From the Air Force to VA lending

  • 2007–2019Served in the U.S. Air Force.
  • DeploymentBaghdad, Iraq, in support of Operation Iraqi Freedom and Operation New Dawn.
  • Six VA purchasesBought and sold six homes using his own VA home loan benefit.
  • 2024Ranked the #1 individual VA loan officer in Minnesota (RETR data).
  • Past four yearsClosed more than 130 VA loans.
  • TodayFounder of Mission Home Loans in Isanti, Minnesota, licensed in Minnesota, Wisconsin, and Florida.
What Tony helps with

VA loans, start to finish

First VA purchase

Eligibility, your COE, and buying with $0 down. Read the VA guide →

Your next VA loan

Using remaining entitlement to buy again without selling first. Run the calculator →

Lower your VA rate

The IRRRL streamline refinance, with an honest break-even. IRRRL details →

Local property issues

Wells, septic, acreage, and lake homes in Minnesota. Local guide →

Client Reviews

4.94★ across 57 verified reviews

Verified client reviews on Experience.com.

★★★★★

"Tony was so responsive and always made the time to answer our questions! He knew the VA loan process so well and made it easier to understand. He was so friendly!"

RPRachel P.
Experience.com
★★★★★

"Tony and the team around him were very responsive to all our inquiries and made this a super easy closing process."

JMJesse M.
Experience.com
★★★★★

"Tony goes above and beyond. He is very transparent. Amazing job."

BSBrandon S.
Experience.com
Read more reviews →
Licensing

Credentials you can verify

  • NMLS #2402427, Mortgage Loan Originator. Verify at nmlsconsumeraccess.org.
  • Licensed to originate in Minnesota, Wisconsin, and Florida.
  • Mission Home Loans is powered by Edge Home Finance Corporation, NMLS #891464.
  • Office: 104 Main St W, Ste 7, Isanti, MN 55040 · 651-246-7672
Veteran to Veteran

Let's put your benefit to work

Whether it's your first VA loan or your sixth, I'll walk you through your real numbers, no pressure.

Start My VA Loan Get the free VA Playbook