Hi! I'm Chad...
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.
Your home may be the largest investment you will ever make, so it is important to make sure your loan transaction is in the hands of an experienced Mortgage Consultant, whether you are purchasing your first home, a vacation home, or your dream home.Born-and-raised in Minnesota, Chad has more than two decades of experience in the Twin Cities real estate market. He understands the importance of great customer service, and he possesses the skills and resources to guide you every step of the way. You can rely on Chad to answer your questions, allowing you to make informed decisions throughout the entire mortgage process.
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:
01Fixed & adjustable rate mortgages
02Federal Housing administration loans (FHA)
03Veterans affairs loans (VA)
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 homebuyerLearn more
Mortgage managementLearn more
Equity managementLearn more
Financial plannerLearn more
Estate planning attorneyLearn more
Divorce attorneyLearn more
Know Your Monthly Mortgage Payment
What my clients say...
Jan 27, 2023
Jan 20, 2023
Jan 14, 2023
Dec 8, 2022
Dec 5, 2022
Nov 16, 2022
Nov 8, 2022
Nov 1, 2022
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Aug 24, 2022
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Aug 5, 2022
Saint Paul, MN
Jun 10, 2022
May 21, 2022
Sturgeon Lake, MN
May 10, 2022
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."
4.93 of 5.00
Our average client rating. YTD 12/2021 on experience.com
Explore the local area. Find restaurants, delivery, movers, and more...
Pizza Lucé Downtown
I feel like I have a pretty high standard for pizza. I went into this dinner with no expectations. I am happy to say this place surprised me with how good...Read more on Yelp+1 (612) 333-7359
119 N 4th St, Minneapolis, MN 55401
Fantastic lunch amazing noodles and sauces! Wish I could give it more stars, it really surprised me!Read more on Yelp+1 (952) 658-6953
7529 France Ave S, Edina, MN 55435
The Butcher's Tale
Really excellent reincarnation of I guess the Butcher and Boar in the same location with their original staff. Super great ambiance, excellent service and...Read more on Yelp+1 (612) 236-4075
1121 Hennepin Ave, Minneapolis, MN 55403
Spoon and Stable
4/5 stars due to the cost and how hard it is to get in! We booked a reservation over 3 weeks out and still only got an 8PM option. We got seated right...Read more on Yelp+1 (612) 224-9850
211 N 1st St, Minneapolis, MN 55401
Owned by Nicollet Sheridan, but inspired by Nicollet Shea, this is the middle of downtown Mini Apples, in Mini Soda. Located in the heart of downtown...Read more on Yelp+1 (612) 370-9100
555 Nicollet Mall, Minneapolis, MN 55403
Midtown Global Market
What a find! Sadly we got there near closing and a lot of the places were already done for day. But the ones that were open were delicious. We started with...Read more on Yelp+1 (612) 872-4041
920 E Lake St, Minneapolis, MN 55407
This is fun. Pop some money into the change machine, get tokens, play games. Yes. Lots of pinball games, lots of classic arcade games. We played some Tron...Read more on Yelp+1 (612) 823-3487
3012 Lyndale Ave S, Minneapolis, MN 55408
Game Show Battle Rooms
We came to game show battle rooms as a team builder and I'm SO glad we did. It was fun, exciting, kept you on your toes and made sure everyone participated....Read more on Yelp+1 (612) 440-6090
8836 7th Ave N, Golden Valley, MN 55427
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.
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?