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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

NMLS: 806419

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...

EM

Erica Montes

5.0

Woodbury, MN

Jan 7, 2023

Great advice! Great service!

VK

Valeska Koch

5.0

Shoreview, MN

Dec 23, 2022

Very easy to work with and responsive.

AK

Aleksey Kovalchuk

5.0

Maple Grove, MN

Dec 20, 2022

Joe and co. made getting a mortgage relatively simple by explaining every step of the process along the way, and by managing the large amount of paperwork that was required.

LC

Laura Carpenter

5.0

Roseville, MN

Dec 9, 2022

Joe and Paige were wonderful to work with and made the process easy.

CF

Chad Fehn

5.0

Falcon Heights, MN

Sep 29, 2022

Joe did a fantastic job of walking us through step by step through the process. He always answered all of our questions.

AK

Anders King

5.0

Minneapolis, MN

Sep 27, 2022

Everyone was very responsive which was important for us.

BS

Brian Stark

5.0

Roseville, MN

Sep 15, 2022

Joe is very responsive, very knowledgeable, and very easy to talk to.

JL

Julie LaViolette

5.0

New Brighton, MN

Sep 4, 2022

Thanks for the easy & seamless experience!

RB

Rhia Bornmann Spears

5.0

Minneapolis, MN

Aug 2, 2022

Joe was always reachable about questions and made the process very painless!

KC

Kathryn Costello

5.0

Blaine, MN

Jul 2, 2022

Joe and his team provided great communication and made sure that I understood the process and was comfortable with what was happening.

DF

Danielle Friesen

5.0

Shoreview, MN

Jun 29, 2022

Thank you so much for how available you were to answer my questions and address my concerns! I learned a lot as well from the process!

MO

Megan O'Rourke

5.0

Saint Paul, MN

Jun 19, 2022

Joe was very available and helpful in a crazy market where we needed to be ready with pre approval letters on weekends and also made closing happen when there was a hiccup with sellers at the last minute.

BJ

Brock Johnson

5.0

Saint Paul, MN

Jun 17, 2022

The ease of communication between all parties and how smooth everything went.

DA

Diane Archbold

5.0

Maple Grove, MN

Jun 27, 2022

Very responsive and communicative. Always willing to answer my questions and inquires in a timely manner

BH

Brian Hubbard

5.0

New Brighton, MN

Jun 14, 2022

Joe Tupy is very professional and detail oriented. We had a lot of questions as first time home buyers. Joe was available and greatly exceeded our expectations He clearly articulated the information and next steps throughout the process.

YM

Yvonne Moore

5.0

New Brighton, MN

Jun 8, 2022

Joe was very attentive and supportive. He reached out multiple times to check-in and was patient in walking through our questions and explaining complex processes.

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."

4.94 of 5.00

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

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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

NMLS: 806419

Learn More