Management team

Phil Zastrow

Operations Manager/Sr. Loan Officer

NMLS #205665

Phil has been in the mortgage industry for 20 years. His family has had ‘financial’ roots since his great grandfather owned a small bank in the Minneapolis area. Phil graduated from the University of Minnesota-Duluth with degrees in Finance, Economics, and Psychology but he always says he uses his Psychology degree more than the others. In his spare time, his very active family can be found either at their cabin, in a basketball gym, or visiting his oldest son who is studying at the University of South Florida. Phil enjoys the ‘art’ of mortgage financing, especially when seeing the look on the face of a first time home buyer when they finish the closing and receive the keys to their dream home.


(218)349-8181
Serving the Midwest and Florida

Nate Radoush

Area Sales Manager/Sr. Loan Officer

NMLS #205654

Nathan has been in the mortgage industry for over 15 years. His passion is to help customers with their mortgage needs and go the extra mile and make sure the customer always comes first. He brings a lot of experience to help his clients reach their goals in purchasing a new home for their family. He has been with Lend Smart for 9 years and is well respected in the company, has been a top producer, and has received many accolades. When not working his family comes first, he has two young children and a wonderful wife. They enjoy movie nights, being outside, and have doughnut picnics every Saturday morning. He enjoys all kind of sports, watching and going to them, and you can find him every Wednesday night in the summer playing bocce ball.


(218)208-9672
Serving the Midwest

Bill Malark

Area Sales Manager/Sr. Loan Officer

NMLS #205340

Bill has been in the mortgage industry for over 20 years and with Lend Smart Mortgage for the last 12. Bill was born and raised in NE Minneapolis and currently residing in Blaine, MN with his wife and 3 children. He has held a license as a realtor, appraiser and currently as a mortgage originator, so he is very knowledgeable in all aspects of the purchase and refinance process. He spends his free time coaching or watching his kids’ activities and spends his summers at the cabin and “trying” to golf.


(612)743-7766
Serving the Midwest

loan team

Corrine Allan

Mortgage Loan Officer

NMLS #262761

Corrine is a graduate of Grand Rapids High School and the University of North Dakota. She has been a loan officer since 2005 and has been with Lend Smart Mortgage, formerly in Grand Rapids and currently in Hibbing, since 2010. She enjoys helping people finance their dream homes throughout Minnesota and is willing to meet anywhere to facilitate the process. As a mother of four, a stepmother to five, and grandmother to ten, she understands the need to be flexible and available.


(218)966-5809
Serving Hibbing, MN

DeWayne Hawkins

Mortgage Loan Officer

NMLS #1446955

DeWayne’s career began as an acquisition officer working on geo-synchronous satellites for the U.S. Air Force managing 550 million in defense contracts. He then worked in logistics with the Ford Motor company rolling out a state of the art parts management system that saved Ford millions of dollars. He also worked as a stock broker with Shearson Lehman Hutton and Bear Stearns managing millions of dollar portfilios for 113 clients. Today, DeWayne is enjoying mortgage lending helping people achieve the joy of owning their home and helping people acquire their dream homes with competitive terms.


502-550-4685
SERVING TEXAS

Eugenia Bambas

Mortgage Loan Processor

NMLS #230539

It was by sheer chance that I began my career in mortgage origination over 28 years ago, but I quickly discovered that my skill set and goals were a perfect match for the mortgage industry.I have always had a special place in my heart for those who have dedicated their lives to helping others. And as a result, I have gained a much greater appreciation for those brave souls who have chosen to dedicate their lives to being first responders and public servants. Mortgage lending provides me with a unique opportunity to help these men and women realize their dreams of home ownership. But, there is nothing more rewarding to me than bringing a first-time homebuyer successfully through the mortgage process from start to finish. My motto has always been “If you tell me I cannot do something, sit back and watch me show you how I can!” I enjoy a good challenge. I thrive on finding the key information that unlocks possibilities and opens doors for my customers. And getting things done gives me a tremendous sense of accomplishment.


803-447-1224
SERVING SOUTH CAROLINA

Sandra “Sandi” Ely

Mortgage Loan Officer

NMLS #450299

Sandi joined Lend Smart Mortgage in January 2021. She is uniquely qualified having 35 years in the mortgage industry and makes clients feel at ease with her knowledge and ability to find solutions to most lending needs. She has attributed her success to customer loyalty and repeat business which makes Sandi the only point of contact with her previous customers. The finest compliment from my customers is to refer family or friends. On a personal note I love living near the beach in Florida and enjoy riding jet skis as well as a quiet afternoon by the pool.


919-922-5179
Serving Florida and North Carolina

Jesse Verhel

Mortgage Loan Officer

NMLS #2009613

Jesse is a Duluth Denfeld alumni. He has a Degree in construction management and background accounting. Prior to becoming a Loan Officer worked as a Controller for 16 years. He has a passion in helping people understanding numbers. Jesse is recently licensed as loan officer and very eager to help anyone looking to buy or refinance.


218-310-7240
SERVING THE MIDWEST

Sally Reading

Mortgage Loan Officer

NMLS #1220618

Sally has been a Licensed Loan Officer for several years, currently servicing the states of Michigan and North Dakota. Before becoming a loan officer she was a sales manager as well as a licensed realtor in Michigan. Her jobs in sales and real estate were a contributing factor in her decision to be a licensed loan officer. Sally has 3 children and 10 grandchildren, 8 boys, and 2 girls. She enjoys riding her bicycle, traveling, swimming, spending time at the beach, reading, and making jewelry. She is active in her community and works in hospitality at her church. Sally mentors students and works with Hand to Hand, where she helps distribute food to children in need.


(701)389-7501
Serving North Dakota

Frank Olsen

Mortgage Loan Officer

NMLS #364270

Frank is a Hermantown High School and UMD graduate. He has been in the mortgage business for just over 20 years. Before that he was self-employed, owning Duluth Vinyl Roofs, Budget Battery, along with several rental properties. He has been a member of the Elks for thirty years, Duluth Curling Club for nearly the same amount of time and a member of Glen Avon Church. Frank still tries to play as much golf in the summer as he can and enjoys downhill skiing in the winter months.


(218)391-6449
Serving the Midwest

Megan Staberg

Mortgage Loan Officer

NMLS #1769812

Megan has been working with Lend Smart Mortgage since November 2016 and has been working in the mortgage industry for 5 years. She enjoys working with borrowers in making their dreams of owning a home come true. Outside of work she enjoys spending time with her daughter, Adeline, who is involved in hockey and other sports. They enjoy camping, fishing, and kayaking together when time allows.


(218)722-2557
Serving the Midwest

Alan Kozicky

Senior Loan Officer

NMLS #1019992

With over 27 years in the mortgage industry, Al brings a vast amount of wealth and information to his clients. Al enjoys the freedom and flexibility working as a direct lender and mortgage broker. He ensures each loan is structured to be efficient and effective for the clients best interest. Al understands that loans are not only used to purchase and refinance homes but often used as a foundation in coordination with his client’s lifetime financial goals. Listening to the clients goals and exploring all options are must in his book! Born in Minnesota and now residing in Florida, exploring the outdoors, new adventures and spending time with his family is what he cherishes the most. His dedicated team stands ready to assist you in each step of the way.

Specialties: Home Purchase Loans, First-time home buyer programs, VA Loans, Refinance, Government programs, Investor Properties.


612-508-1233
Serving Minnesota and Florida

Theresa Furzland

Mortgage Loan Officer/Processor

NMLS #205833

Theresa has been in the mortgage business her whole life and her father’s family for generations, so you could say the business is in her blood. The tradition continues as her son also works in the profession. Hobbies include most any excuse to be out in the woods, gardening, reading, biking, genealogy research and enjoying time with family.


(218)722-2557
Serving the Midwest

Teri Skafte

Mortgage Loan Processor


Teri Skafte began working at a mortgage company her senior year of high school and continued working while attending college in St. Paul, Minn. Through the years she has worked for companies the size of a small bank to larger broker companies helping people buy homes. Her personal time is spent with her family, whether it is doing projects, enjoying what her city has to offer or just relaxing by a fire. Teri’s mission is to help others and what better way to do that than to help someone purchase their first home, refinance a current home or maybe build the home of their dreams!


(218)722-2557
Serving the Midwest

Kim Zastrow

Processing Assistant


Kim is a Duluth, MN native who graduated with an Accounting Degree from the College of St. Scholastica. She has been in the financial industry for over 25 years and has been with Lend Smart for the last 3. When not working, her passions include cooking, watching basketball, or hanging out at the lake. She has 2 boys, one in High School, and one attending a college in Florida.


(218)740-1704
Serving the Midwest

Tiffany Martin

Loan Officer Assistant


Tiffany is a Hermantown alumni. She has been in the customer service industry since the day she started working. She graduated from Lake Superior College with an AAS. She also was a licensed cosmetologist in a prior life. She has a son and a daughter that are currently students at the Hermantown Middle School. She is very social and loves being around her family and friends. She has a passion for helping people and she always does it with a smile. She looks forward to assisting you in your purchase or refinance!


(218)740-1706
Serving The Midwest

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