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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

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

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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...

DW

Daniel Willmus

5.0

Brooklyn Park, MN

Mar 21, 2024

Fast, efficient and friendly!

CV

Cameron Voss

5.0

Saint Paul, MN

Mar 4, 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

RW

Rayhe Wersinger

5.0

Brooklyn Park, MN

Nov 21, 2023

Joe Tupy was very helpful in answering questions we had and was very polite and friendly.

LI

Laura Inserra

5.0

New Brighton, MN

Nov 13, 2023

I felt well supported at all times.

BM

Betty Most-Baugher

5.0

Hudson, WI

Nov 13, 2023

Joe was a rock star! Keep me updated from offer to close! Thanks Joe!

LW

Lauren Winter

5.0

Falcon Heights, MN

Oct 23, 2023

Joe and Paige were very communicative and helped us move smoothly from out of state.

JT

Jenna Trappen

5.0

Coon Rapids, MN

Oct 2, 2023

Joe and Vanessa were incredible partners to take along in our home buying journey, couldn’t have asked for better resources. Thank you both for your support and time!

AL

Anne Lillyblad

5.0

Lino Lakes, MN

Sep 25, 2023

Joe was a great communicator and also clarified all my questions and concerns.

SM

Sue M Jacobs

5.0

New Prague, MN

Sep 7, 2023

Communication

ME

Mark Eagles

5.0

New Prague, MN

Sep 7, 2023

Great communication and outstanding service! Highly recommend Joe Tupy!

MK

Michael Kaplan

5.0

Saint Paul, MN

Sep 7, 2023

We had some unique challenges getting this all together. She was tremendously supportive, attentive, and thoroughly invested to the whole experience. We would definitely work with him again, and recommend him to anyone interested in pursuing a mortgage.

FA

Fre Ablel

5.0

Eagan, MN

Sep 7, 2023

Communication

CT

Carrie Tenebrini

5.0

Saint Paul, MN

Sep 7, 2023

Joe worked tirelessly to secure an investor for our loan. He was very patient in explaining everything and was always very prompt in answering our questions. Not only were we able to purchase the property we wanted, but we also learned a lot in the process. Joe has an incredible grasp of the business dynamics, and we felt well taken care of in his knowledgeable hands.

JS

Jeremy Stapleford

5.0

Shoreview, MN

Sep 13, 2023

Joes responsiveness and knowledge as well as use of various interaction models made for quick response made for a great experience that allowed us to be comfortable moving through the process very quickly.

MC

Mercedes Carlson

5.0

East Bethel, MN

Sep 7, 2023

Overall, great experience working with Joe Tupy and he went above and beyond for us to get our 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

NMLS: 806419

Learn More