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Hi! I'm Joe...
Your Mortgage Consultant!

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

Joe Tupy

Mortgage Loan Officer

NMLSR: 806419

651-328-4628
Address: 2730 Snelling Ave N Suite 100, Roseville, MN, 55113

Every one of our Mortgage Consultants can walk you through our products in detail – probably more detail than you want, in fact. So they definitely know their stuff.

More importantly, they want to know about you: What's your goal?

Buy a Home
Refinance a Home
Apply now

Home financing tailored to meet your needs

We have a full suite of mortgage programs to meet your needs and give you a competitive edge:

  • 01
    Fixed & adjustable rate mortgages
  • 02
    Federal Housing administration loans (FHA)
  • 03
    Veterans affairs loans (VA)
  • 04
    Renovation financing
  • 05
    Jumbo loans

Where can we help you thrive?

Are you looking to buy your first home? Need help managing your mortgage payment?

Trying to figure out how to afford that renovation? Whatever you situation is, we've got the answers.

Select a module

First time homebuyer

First time homebuyer

Learn more
Mortgage management

Mortgage management

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Refinancing

Refinancing

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Self-employed

Self-employed

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Veteran

Veteran

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Equity management

Equity management

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Financial planner

Financial planner

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Estate planning attorney

Estate planning attorney

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Realtor

Realtor

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Divorce attorney

Divorce attorney

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Know Your Monthly Mortgage Payment

Mortgage Amount, $
Total Cost Of Mortgage, $
Monthly payment:
P&I
Insurance
Taxes
PMI
HOA

What my clients say...

LG

Leslie Golie

5.0

Roseville, MN

Jul 18, 2024

Joe is all over getting things done for his clients. I never worry about a client who has a loan file with Joe. He’s the best!

RR

Richard Riemenschneider

5.0

Roseville, MN

Jul 8, 2024

Joe was great to work with and I think he had our best interest in mind as we worked through our financing.

AL

Anthony Lonetree

5.0

Minneapolis, MN

Jun 18, 2024

Clear and helpful communication right from the start.

RG

Ronya Gettis

5.0

Northfield, MN

May 24, 2024

Joe always took the time to thoroughly explain things to me. He even took a call with my dad and I to explain things to give my dad comfort in my decisions as well. He was a huge help. Thank you Joe!

GL

Gretchen Locken

5.0

Hugo, MN

May 3, 2024

Joe and his team were very communicative throughout the process. They were responsive when I had questions as well. Very smooth transaction!

ST

Susan Thill

5.0

Hugo, MN

May 2, 2024

Joe was very responsive to my questions and responded in simple easily understandable terms. I felt supported throughout the process.

CY

Cris Young

5.0

Hugo, MN

May 2, 2024

Joe is diligent in his efforts. I trust him

NM

Niki Moeller

5.0

Apr 29, 2024

Joe and his team were the lenders for buyers of our listing in Eden Prairie. They did a great job of keeping us updated on the process and we closed on time! Thx Joe and team!

LB

Lauren Baker

5.0

Eden Prairie, MN

Apr 29, 2024

He’s very communicative and a wealth of reliable knowledge.

MN

Matthew Noyes

5.0

Eden Prairie, MN

Apr 29, 2024

Joe is the best! He’s proactive, keeps us informed at every step, is super responsive when we have questions and takes the time to explain everything clearly. We have worked with Joe multiple times now and will continue to do so. We recommend him to friends and family when they start their home search and they have all said he’s amazing to work with.

CB

Caitlin Baker

5.0

Minneapolis, MN

Apr 22, 2024

Joe was very quick with communication, extremely knowledgeable, and thorough. We were able to trust his judgement completely.

MM

Marcia McRae

5.0

Roseville, MN

Apr 11, 2024

There are many parts of a home purchase that may be stressful. Joe took the process from stressful to successful! He’s knowledgeable, helpful, and fun and easy to work with in the best possible ways! This is not my first home purchase, but definitely the mortgage portion was streamline and even pleasant. Thank you, Joe, for your helpful guidance and excellent work! I cannot recommend Joe highly enough to anyone looking to secure a mortgage for their home purchase.

SJ

Sten Johnson

5.0

Maple Grove, MN

Apr 3, 2024

Joe and Paige were fantastic to work with and cannot recommend enough. From our first call giving context to everything going on, to being available for questions, responding quickly to our offer and loan needs, all the way to finalizing all the details, they were kind, helpful and great to work with. As first-time homebuyers we felt secure throughout the process because we had them on our team. Plus by working with them we secured guarantees that made our offer more competitive and ultimately got us a home we love! Sten and Elise J

DW

Daniel Willmus

5.0

Brooklyn Park, MN

Mar 21, 2024

Fast, efficient and friendly!

CV

Cameron Voss

5.0

Saint Paul, MN

Apr 6, 2024

Joe is the ultimate professional and takes great care of his clients throughout the process. He is always available to answer questions and to run scenarios. Does a great job of finding and working to find the best solutions for each individual. Joe is a 10 out of 10 in every aspect!

AD

Ann Donovan

5.0

New Brighton, MN

Feb 1, 2024

Joe was awesome in communication with us through the whole process of our getting our new home. He also worked with our realtor and financial advisor very seamlessly.

DM

Debra Mastro

5.0

Forest Lake, MN

Jan 29, 2024

Working with Joe and his team was a great experience. Would definitely recommend him to friends and family.

SA

Saba Andualem

5.0

Minneapolis, MN

Jan 24, 2024

Joe and his team are so great to work with. This is actually my second time working with Joe and I sought him out because of the positive experience I had the last time! This was great and i'm really grateful for his expertise!

SS

Steven Shake

5.0

Coon Rapids, MN

Jan 17, 2024

Joe was very informative of what I needed to do on my end what and what was going to be the next step. I would recommend him to anyone going through buying a home

President and CEO - Justin Messer

Justin Messer

President and CEO of Prosperity Home Mortgage, LLC, parent company of Edina Realty Mortgage

"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."

4.95 of 5.00

Our average client rating. YTD 12/2021 on experience.com

What is your home worth?

Check current market values for your home and view buyer demand.

I'm here to answer all
your mortgage questions

  • Do I need to save for a 20% down payment?

    No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.

  • Are Pre-Qualification and Pre-Approval the same thing?

    No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.

  • What's the difference between an adjustable and a fixed rate mortgage?

    A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.

  • What is Private Mortgage Insurance (PMI)?

    Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.

  • Can I access my home equity before I finish paying off my loan?

    Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.

  • What do I do if I can't afford my mortgage payment anymore?

    The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.

Take a look
inside our world

Looking at how we do business at Edina Realty Home Loans Mortgage is as simple as a conversation. Are you ready to step inside?

Joe Tupy

Joe Tupy

Mortgage Loan Officer

NMLSR: 806419

Learn More