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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.

Chad Johnson

Mortgage Consultant

NMLS: 662143

Address: 4999 France Avenue South, Suite 250, Minneapolis, MN, 55410

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.

Buy a Home
Refinance a Home
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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...

PY

Panhia Yang

5.0

Richfield, MN

Jan 27, 2023

As a first time homeowner, Chad did a great job of explaining everything to me. He also provided a lot of wonderful resources for me. That Fannie May mortgage course should be taken by everyone before they start the home buying process.

TM

Trevor Myers

5.0

Minneapolis, MN

Jan 20, 2023

Super easy to work with low pressure just a pleasant overall experience

KW

Kyle White

5.0

Minneapolis, MN

Jan 14, 2023

Wonderful communication and follow up from start to finish. Chad and Paige are the best!

WM

William Meyer

5.0

Minneapolis, MN

Dec 8, 2022

Chad provided us with impeccable service for our entire house hunting process. He was always accessible to provide guidance and accurate models for our mortgage. I cannot recommend, Chad, highly enough!

CB

Chantel Burkitt

5.0

Eagan, MN

Dec 5, 2022

So responsive, helpful, found ways to make things work for us, answered questions with knowledgeable answers.

MS

Mei-Ling Smith

5.0

Minneapolis, MN

Nov 16, 2022

Competent staff and good communication throughout the process.

DB

Darin Bergeson

5.0

Minneapolis, MN

Nov 8, 2022

Chad was fantastic to work with

DF

Daniel Flath

5.0

Edina, MN

Nov 1, 2022

Excellent responsiveness every step of the way. Presented all loan options available to us and the pros and cons of each. Communication was outstanding!!!

WP

William Pudvah

5.0

Minneapolis, MN

Oct 4, 2022

Chad was always available and made the entire process extremely seamless. Thanks again, Chad!

LM

Luke Mickelson

5.0

Minneapolis, MN

Aug 24, 2022

We loved that Chad was ready to answer any questions we had, whether stupid or not. He sat us down, talked through the numbers, and gave us great advice on figuring out our finances. With his push, we realized that we were in great shape to finance a home and he/his team made the process extremely easy.

NM

Nancy Mendelsohn

5.0

Minneapolis, MN

Aug 17, 2022

Chad is responsive, articulate, and helpful. He responds to questions very quickly, he explains things well, and never minds another question.

MF

Michael Fiato

5.0

Bloomington, MN

Aug 5, 2022

Chad is knowledgeable, courteous, prompt, and an absolute pleasure to work with.

SL

Shan Lines

5.0

Saint Paul, MN

Jun 10, 2022

Thank you?!

SE

Sarah Eckert

5.0

Plymouth, MN

May 21, 2022

Chad was excellent to work with and made the process very easy for us!

BE

Bradley Edberg

5.0

Sturgeon Lake, MN

May 10, 2022

The communication and personality of everyone involved.

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."

4.93 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?

Chad Johnson

Chad Johnson

Mortgage Consultant

NMLS: 662143

Learn More