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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

651-260-6577
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

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...

DG

Daniel Grinols

5.0

Shakopee, MN

Dec 10, 2023

Chad and his team answered all of our questions quickly and professionally.

SG

Siobhan George

5.0

Saint Paul, MN

Oct 24, 2023

No other lender I would rather work with! The best in the business.

RW

Ranell Willey

5.0

Sauk Rapids, MN

Oct 13, 2023

Chad is very responsive and did a great job explaining the mortgage process with my first time home buyers.

BL

Brandon Loree

5.0

Sauk Rapids, MN

Oct 13, 2023

Always willing to assist with questions and concerns.

EZ

Elizabeth Zobel

5.0

Oct 5, 2023

I recommend Chad to all my clients. He is knowledgeable, helpful, and always accessible when we have any questions. He is able and willing to present buyers with all the possible options and identify the one that would be most advantageous for them. And he is just a kind person and fun to work with!

KK

Kab Kaniess

5.0

Saint Paul, MN

Oct 3, 2023

easy, efficient, and friendly!

DL

Denise Larson

5.0

Saint Paul, MN

Sep 29, 2023

I love when clients use our in-house financing. They’re professional organized and we offer great communication.

CT

Courtney Tousignant

5.0

Excelsior, MN

Sep 4, 2023

Fast persistent and accurate.

MB

Michael Baggett

5.0

Richfield, MN

Aug 28, 2023

Chad was great to work with! He was professional, knowledgeable, and personable. Most of all he was always available to answer questions no matter the day or time. Made the process smooth!

TV

Toni Vidulich

5.0

Eden Prairie, MN

Aug 23, 2023

Chad was readily available for me.

JB

Julie Bomstad

5.0

Burnsville, MN

Aug 13, 2023

Chad (and his team) were so helpful, personable, supportive, caring, prompt w/communication throughout and I felt so grateful that I was able to have Chad guide me through the whole process. And Chad is a great person!

DP

Debra Perry

5.0

Burnsville, MN

Aug 11, 2023

Chad worked closely with both the buyer and me to ensure the approval process went smoothly. We encountered a big challenge the day before closing and Chad worked calmly, tirelessly and in the best interests of our client, the buyer, to ensure that it was resolved so the transaction could close.

DS

Dean Sanberg

5.0

Maple Lake, MN

Aug 8, 2023

great service

KS

Krista Stelman

5.0

Eagan, MN

Jul 31, 2023

Chad is the best! He made the process so easy & seamless! We loved working with Chad!

JS

Joseph Stelman

5.0

Eagan, MN

Jul 29, 2023

Chad was very friendly and very responsive to all questions whenever we emailed or called him. Whenever we put an offer on a home, he was able to run the numbers almost immediately and tell us our estimated monthly payment and down payment. He broke things down in a very clear and concise manner. I would highly recommend him and all of the Prosperity Mortgage team to any potential mortgage applicants in the future.

EM

Erin McDonough

5.0

Minneapolis, MN

Jul 26, 2023

Frequent updates in the process and advice re:finances

EC

Emily Cartwright

5.0

St Anthony, MN

Jul 24, 2023

Responsive communication and willingness to talk through all our options.

SA

Samuel Andrews

5.0

Richfield, MN

Jul 20, 2023

Everyone was knowledgeable, responsive, and helpful. We were on a shorter timeline and people were up to the challenge.

KL

Kevin Lenhart

5.0

Minneapolis, MN

Jul 17, 2023

Thanks for the quick close Chad!

DT

Daniel Travers

5.0

Minneapolis, MN

Jun 26, 2023

Chad and his team were there for us every step of the way. We were lucky to work with him!

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?

Chad Johnson

Chad Johnson

Mortgage Consultant

NMLS: 662143

Learn More