Phil Zastrow

Regional 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

Senior Loan Officer / Area Manager

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

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

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 understand the need to be flexible and available.


(218)966-5809
Serving Hibbing, MN

Rachael Basler

Mortgage Loan Officer

NMLS #1470260

Each loan and the people behind them are important to Rachael. She prefers to take a little time to get to know you and your specific needs. This allows her to match her clients with all available options to them and help select the very best loan program. As we all get busier with our lives, it can be difficult to fit this process in during a 9 – 5pm schedule. To better serve her clients, Rachael makes herself available to her clients on weekday evenings for appointments, questions, and payment inquiries. Rachael works hard to make it a Smooth Process and Exciting Journey! Rachael is a wife and mother of three boys, she adores her family and three “fuzzy children” – her rescue dogs. She enjoys volunteering in her local community through a program called Hand to Hand which provides food for elementary children over the weekends when they may not have much available to them at home. Rachael attends a local church that focuses on outreach to families.


(269)512-1138
Serving Michigan and North Dakota

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 work with Hand to Hand distributing food to children in need.


(701)389-7501
Serving Michigan and North Dakota

Teri Skafte

Production Manager


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

Theresa Furzland

Loan 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
Megan Staberg

Megan Staberg

Loan Processor


Megan has been working with Lend Smart Mortgage since November 2016 and has been working in the mortgage industry for 2 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
Earel Furzland

Earel Furzland

Processor/Encompass Jr. Admin


Earel has been with Lend Smart for 3 years. He has a Bachelor of Science from the University of Wisconsin-Superior in Mathematics & Computer Science. During the summer he can be found on the golf course and in the winter he enjoys skiing when possible. Currently, Earel is splitting his time with Lend Smart between processing and system administration.


(218)722-2557
Serving the Midwest