Zach Kovash

Mortgage Lender - Senior Relationship Manager
Rochester, MN Area

NMLS# 712118

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With over 10 years of experience, Zach takes great satisfaction and pride in guiding his clients through all areas of their financial well-being, whether it's planning for the future or purchasing/refinancing a home. He thrives on creating relationships with his clients and tailoring banking and loan options to their individual needs. 

Looking to purchase a home? Zach can help you explore all of the home financing options Home Federal has access to, and he has a knack for making the entire mortgage process as easy and stress-free as possible. Regardless of if it's your first home, or your fifth, you can trust Zach to help get the home loan that's right for you. 

As a Senior Relationship Manager, Zach can assist with much more than just mortgage lending. He's well-equipped with the extensive range of products and services that Home Federal offers and can help with refinancing your home, home equity loans and lines of credit, and earning more for your money with interest-earning deposit accounts such as Certificates of Deposit and Money Markets. Contact Zach Kovash today for your no obligation discussion of your current financial well-being and your future financial goals.


“Going to Home Federal was such a great decision! We were thrilled with the whole experience, and particularly with Zachary Kovash. We had been trying for a while 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!”
– Rekha and Sunil M.
“It was a great home buying experience working with Zach Kovash and Home Federal Savings Bank. My husband and I had a challenging situation with me living in Minnesota and him Wisconsin. Zach was flexible and kept communication open in whatever form worked for us. We were able to accomplish almost everything by phone, fax or email. Zach was reliable with communication and always responded in a very timely manner which always helped ease any concerns quickly. He was also very reassuring during the process and helped us obtain a mortgage option that worked best for us. You could tell that he cared about our experience. I would recommend Zach Kovash and Home Federal Savings Bank to anyone looking for a stress-free home buying experience.”
– Katrina and Chris H.


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Zach Kovash
Zach Kovash
NMLS# 712118

Now is a great time to buy a house