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
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?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:
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01Fixed & adjustable rate mortgages
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02Federal Housing administration loans (FHA)
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03Veterans affairs loans (VA)
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04Renovation financing
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05Jumbo 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
Know Your Monthly Mortgage Payment
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
Explore the local area. Find restaurants, delivery, movers, and more...
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China Restaurant
104 reviews
Since Wongs, originally on Selby in St. Paul, later the family moved the restaurant to Rice and Wheelock and later closed we have bee searching for a...
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Pagoda
502 reviews
This place is next-level Chinese food! If you want to take it up a notch, Pagoda is an awesome place to do that! I stopped in for dinner and all of the...
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Pizza Lucé
159 reviews
Heard the pizza here is very good with vegetarian/vegan selection. I was lucky enough to sample wild mushroom pizza and spinach salad in addition to the...
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Table 97
6 reviews
Great food, great service. We were there on a Friday night and it was so good. We enjoyed a couple of their tap beers, appetizers and dinner. A relaxed...
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Baldamar
248 reviews
Wow! Truly amazing! I can't believe it took me so long to get here but I finally did and it was amazing! We had amazing service, amazing food, and the...
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Steele & Hops
133 reviews
This place is fantastic and has so much to offer. Many craft beers ciders and fun cocktails. I ordered a blood orange margarita and my daughter a...
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Rosedale Center
64 reviews
I'm specifically writing about our visit with Santa!! They have Pet Pics with Santa! Yes! (Expensive, but he's my baby!!) quick line... great service....
Read more on Yelp+1 (651) 633-08721595 MN-36, Roseville, MN 55113
Mall of St. Paul
28 reviews
There are dozens of vendor booths. The staff is very helpful and friendly and the environment welcoming. When I came in I told an employee what I was...
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Love From Minnesota
6 reviews
Great spot if you need some MN themed gifts for yourself or your friends. I think the 3 locations owned by this company at MoA (Love fr MN, I Heart MN and...
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Ice Castles Minnesota
46 reviews
A so so cool and surreal experience being a native Californian! Right as you walk in, you are surrounded by ice castles that make you feel like the size of...
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Can Can Wonderland
278 reviews
Can Can Wonderland is often raved about with its quirky mini golf course. I love a small business but it appears this one is bursting at the seams....
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Seattle Lantern Light Festival
1 reviews
This past year (Winter of 2017) I first heard about the Seattle Lantern Light Festival. I'm not sure if the festival was at the Puyallup Fair Grounds before...
Read more on Yelp+1 (651) 504-20004390 Round Lake Rd W, Saint Paul, MN 55112
I'm here to answer all
your mortgage questions
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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.
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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.
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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.
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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.
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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.
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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
Mortgage Loan Officer
NMLS: 806419