Zach Kovash

Mortgage Lender - Senior Relationship Manager
Rochester, MN Area

NMLS# 712118

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With over 10 years of experience, Zach enjoys finding ways to tailor Home Federal's banking and mortgage loan options to fit each client's unique situation.  Whether mapping out financial goals or applying for a home loan, Zach loves walking his clients through the steps necessary to bring their plans to fruition.

First time buying a home?

We understand that buy a home for the first time can feel exciting, overwhelming, and stressful at the same time.  Zach advises doing plenty of research before jumping into the home buying process.  If you're a first-time homebuyer, schedule a no-pressure, no-obligation meeting with Zach to explore all the home loan options available to you.

Looking to buy your next home?

Regardless if it's your fifth home, a vacation home, or rental property, you can trust Zach to find the home loan that's right for your next home purchase.  Zach has a knack for unearthing the perfect lending solution catered to your needs - whether it's a conventional mortgage, a loan for building a new home, a specialized loan program, and more.

Advice from Zach: "Having a mortgage pre-approval letter in hand can give you a leg up on other potential homebuyers."

Interested in refinancing an existing loan? 

Have you revisited your mortgage within in the last 2-3 years?  When interest rates improve, refinancing your loan may put you in a better financial situation by consolidating debt, removing private mortgage insurance, shortening your term, or lowering your monthly mortgage payment.  Ask Zach about how to refinancing could potentially benefit you.

What else can I help you with? 

As a Relationship Manager, Zach can help you with much more than your home loan.  He's very knowledgeable about the extensive range of banking and lending products and services that Home Federal offers.  He can help with home equity loans, lines of credit, and earning more for your money with interest-earning deposit accounts such as Certificates of Deposit and Money Markets.


Contact Zach about any of your financial endeavours - no question is too small!  If interested in a home loan, apply now.


“Going to Home Federal was such a great decision! We were thrilled with the whole experience. We had been trying for awhile to refinance our home and were disappointed with several lenders. Zachary actually reached out to us and I will admit we were very skeptical given our past experiences. But Zach and the Home Federal team came through in a big way. We were finally able to get our home refinanced, and at a great rate! I would highly recommend Zachary and Home Federal to anyone who might be looking for a positive banking change!”
“Zach was incredibly patient about all the unexpected issues related to the interstate transaction and dealing with the escrow company in another state.  Also very professsional and knowledgeable, as well as very pleasant person to work with.  He was simply superb!”
“It was great having the opportunity to work with Zach again on another home loan.  He makes the home buying experience easy and worry-free.  It was wonderful connecting with a familiar face during the process.  He kept us up-to-date on all the details in a timely manner and is very knowlegeable.  I also am grateful for his support and presence the day of closing.  He cares about his clients.”


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Zach Kovash
Zach Kovash
NMLS# 712118