Our Managers –

  • Steve Havig – Founder


    612-867-5624
    steve@lakes
    arearealty.com


    Steve Havig, founder and president of Lakes Area Realty, brings more than 40 years of sales experience to the real estate industry. His responsiveness to clients and vast knowledge of the thirteen-county Metro Area — and the “movers and shakers” in it — keep him at the forefront of his profession. Steve also knows how to collaborate and negotiate effectively with other real estate professionals that ensures his annual position among the top 1% of Realtors® nationwide.

    In 2009, Steve was elected by his peers as President of the Minneapolis Area Association of Realtors® after previously serving as Chair of the Community Services Committee, a member of the Board of Directors, Treasurer, and Secretary. As President, during one of the toughest housing markets in years, Steve successfully performed the balancing act of keeping Minneapolis Realtors®, buyers, sellers, and the general public informed about legislative issues and quickly-changing market conditions.

    It’s not just the business side that makes Steve Havig someone to know – it’s how much he gives back. A proud Vietnam veteran (1968 and 1969) and recipient of two bronze stars, Steve is also a long-time resident of Minneapolis, which is why he strongly supports housing for veterans and his hometown. He is currently involved with MACV, the Minnesota Assistance Council for Veterans; Housing First Minnesota, housing for homeless vets; the MN 100 Club, which provides financial assistance to the families of first responders who are injured or killed in the line of duty; the Mount Calvary Quilter’s Group that donates hand-made quilts to Tubman, which helps people of all genders and cultural backgrounds in need of safety and shelter; NAMI, the National Association of Mental Illness); the Sanneh Foundation, which serves the holistic youth development needs of the increasingly diverse Twin Cities metro area and Ziggy’s Art. Steve truly cares about people and their needs.

    Given Steve Havig’s integrity, honesty and generosity combined with his ceaseless dedication and hard work, it’s no wonder he earned the Twin Cities Business small business award in 2015 and the Better Business Bureau Torch Award for Ethics in 2023.

    Steve Havig. Unflappable. Professional. Connected. He’s your Realtor.

  • Terri Havig – President


    terri@lakesarearealty.com


    Terri, a former teacher, created the legendary Isles Bun and Coffee in Uptown with Steve in 1993. She remains an active and much beloved part of Lakes Area Realty today.

  • Paul Frye – General Manager


    paul@lakesarearealty.com

    Paul Frye has been a licensed Realtor since 2011. He earned his Bachelor of Science in Business Administration from the University of Wisconsin: River Falls and has been the General Manager of LAR for over a decade.

  • Jane O'Reilly – Compliance & Agent Support


    952-484-1956
    janeo@lakesarearealty.com

    Jane has nearly 23 years of industry experience, ranging from Relocation Expert to Office Manager to successful REALTOR®. As the self-proclaimed Night Manager at Lakes Area Realty, Jane brings a wealth of knowledge—and a can-do attitude—to her current role in compliance and general agent support.

  • John Jones – Accounting


    608-886-4294
    John.Jones@lakesarearealty.com

    I’ve been with Lakes Area Realty for nearly three years and I have to say it’s been great learning new things and being around so many different people. At Lakes, I am allowed to be me and express my personality and opinion as I help others, while staying grounded in my own morals and beliefs.

    I consider myself a “Jack of all trades” who brings experience, thoroughness, compassion and an inquisitive side to everything I do. I’m lucky I can see things from many different perspectives, which is why I love to solve problems. 

    At Lakes Area Realty, I’m in a position where I am fortunate to encounter everyone in the organization on a regular basis. Among a slew of other duties, I am the one in charge of Accounts Payable, which is primarily paying commissions. People love getting paid for their hard work and I love making their day! 

    When I’m not at the office, I’m usually with my daughter or friends—unless I’m working out in the weight room or the MMA gym.

    When things get challenging, I always tell myself, “Just keep swimming, just keep swimming.” Great advice from Finding Nemo.

  • Paul Olson – Branch Manager, St. Paul


    (651) 403-1032
    olson@lakesarearealty.com

    Sharp, intelligent, and clever, Paul Olson has established an "over and beyond" reputation from 14 years of real estate sales.

    Paul's clients point out his calm demeanor and ability to advocate and negotiate on their behalf. His client reviews often mention his ability to see inside what they want, and quickly think outside the box to overcome hurdles. These are indisputable assets to successfully navigating a real estate sale.

    His ability to problem solve and find creative solutions is noteworthy. He works with clients, other agents, and team members, sharing his ideas and insights to help find creative solutions.

    Paul's knowledge in real estate goes beyond helping buyers and sellers with their own homes. He has also successfully managed a sizable portfolio of rental properties and invests personally in rentals. Figuring out cap rates and negotiating sales for his investor clients is something he has mastered through firsthand experience.

    "Seeing my clients visualize their real estate dreams and helping them to bring these to reality is the most satisfying part of my career!"

  • Ephraim Eusebio – Branch Manager, Powderhorn


    612-382-9477
    goodtobehome@gmail.com

    My goal as a REALTOR is to support you throughout your selling and buying process with ease. I am devoted to being service-oriented in all areas of my life, and I will use this mentality to help you achieve comfort and success in your real estate transactions.

    I am a very creative and detail oriented person. I utilize my artistic flair and intuitive sensibilities in every opportunity I encounter. My knowledge of the housing market as well as aesthetics, style and personal tastes can greatly add value to your real estate transaction.

    As a REALTOR, I know that my service can be much more than aiding in the process of buying and selling properties. I find many areas where I can apply my natural abilities of mindfully communicating and finding creative solutions. I can also save you a lot of time and money!

    I have an intention of making a positive difference in the lives of ALL of the people I meet.

    I was born in Minneapolis and have lived in the metro area most of my life. I have owned investment property and a home in Minneapolis since 1997 and I enjoy living very near my new Lakes Area Realty Powderhorn Park branch office at 3500 Bloomington Ave S that I manage. I am also the Co-Director of an Art Gallery at the same location called Modus Locus, where we hold many different kinds of community and art events as well as home buying workshops. Thank you for taking this step towards buying or selling using me as your REALTOR. Please feel free to contact me at any time with questions or comments. I want to be an ongoing resource for you!

  • Chris Dennis – Branch Manager, Excelsior


    612-229-9322
    chris@chrisdennisgroup.com

    In 2010, I moved to Lakes Area Realty and started the Chris Dennis Group. As the real estate market started to recover in 2011, I transitioned my business back to traditional residential real estate. In 2019 I opened the Lake Minnetonka office for Lakes Area Realty in historic downtown Excelsior on the shores of Lake Minnetonka.

    The office has over 25 Realtors and Brokers who love helping our clients with every step of their real estate transactions. We are the top producing team and office in the brokerage with over totaled over $500,000,000 in sales, $200,000,000 of those done personally. I represent clients on traditional residential, residential investment property, and commercial building transactions.

     My responsiveness and vast knowledge of the market is what keeps my clients completely satisfied throughout the entire buying or selling process. I’m proud to be one of Lakes Area Realty’s elite real estate agents.

  • Bonni Halverson – Branch Manager, Dassel


    320-224-5150
    bonni@lakesarearealty.com

    Bonni Halverson has been a licensed Real Estate agent for 7 years, with sales, housing, & construction her passion for over 30 years. Bonni’s success lies in working hard, covering every detail in every sale, and a complete commitment to her clients, their families and the community.

    Lakes Area Realty of Dassel is a community-based business backed by Real Estate agents with integrity, honesty and a love for the industry. The Dassel office, located in the heart of rural MN, serves clients in Meeker, Wright, Mcleod counties and more. Their agents pride themselves on building strong community based relationships that last, creating generations of repeat clients. They work hard to ensure their Real Estate buying & selling experience is like no other. Bonni and her agents love what they do and they love Lakes Area Realty.

  • Debbie Caylor & Tina Holthusen – Branch Managers, Spicer/New London


    320-894-5880 / 320-224-5150

    debbiejcaylor@gmail.com
    tina@lakesarearealty.com

    We pride ourselves on a long history of service to our customers and clients.

    Benefit from our Value System – You will receive the highest degree of honesty and integrity throughout your transaction.

    Maximize your wealth – Let our experience go to work for you to bring you the highest possible value for your property. Your transaction will be
    taken from start to finish in a professional and thorough manner.

    Debbie has been licensed since 1990. She has earned her ABR (Accredited Buyers Rep), CRS (Certified Residential Specialist), GRI (Graduate Realtors Institute) and has her Brokers license.

    We are agents that are highly dedicated to our profession. One of the most challenging things about the real estate business is its propensity for change. Keeping up with these changes and adapting our marketing, selling and financing isn't always easy, but it's always
    worthwhile. Our job is to be sure that buyers and sellers know that. Because our task is to match buyers to the right house in order to help a seller make their move.

  • Jeanette Kunz – Branch Manager, Hudson & Naples


    715-441-2804
    jeanette@lakesarearealty.com

    Jeanette Kunz brings a passion for all types of real estate to her clients, including residential, commercial and investment properties.  She has been a Top Agent & Managing Broker for Lakes Area Realty East Metro since joining in 2016, managing over $400 million in sales. Bringing an extensive knowledge of real estate & interior design, she offers clients exceptional insight on each transaction. Her business approach is direct, listening carefully to her clients’ goals and formulating a successful strategy. Along the way, she enjoys educating others on the process, demands integrity in all deals, and provides exemplary service to her clients. 

    Give Jeanette a call at 715-441-2804 for your Wisconsin, Minnesota & Florida real estate needs.

    Motto: “Help others achieve their dreams, and you will achieve yours.” – Les Brown

  • Kathy Ekberg – Branch Manager, Duluth


    651-503-6971
    kekberg@lakesarearealty.com

    I’ve recently moved to Duluth and am now enjoying my passion for real estate in this beautiful part of the world.

    Prior to living in Duluth, I sold real estate in Minneapolis, St. Paul and most of the suburbs for over 15 years. Prior to selling real estate, I taught in St. Paul, Edina and Minneapolis public schools. I’m familiar with navigating the enrollment process and can help families find a great school.

    I love selling real estate. Buying or selling a home is the biggest purchase most people make in their lifetimes. I’m committed to making the process as easy and stress free as possible. I work very hard to ensure that my clients are highly satisfied and feel confident to refer their friends and family to me. They know their people will be taken care of by me. If you are thinking of buying or selling your home, I’d love to talk about your next move.