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Hi! I'm Keith...
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.

Keith O'Brien

Mortgage Consultant

NMLSR: 681623

612-325-2634
Address: 6800 France Avenue South Suite 230, Edina, MN, 55435
Awards received
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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...

SP

Stephen Peters

5.0

Eden Prairie, MN

Nov 7, 2024

Keith O' Brien of course.

LM

Lauren Margotta

5.0

Roseville, MN

Nov 3, 2024

Keith was extremely knowledgeable and was always prompt with his communication.

EB

Emily Becker

5.0

Chanhassen, MN

Nov 3, 2024

Keith was great at explaining everything to us for our first time buying a home. He made everything very smooth and easy to understand.

NN

Nika Nelson

5.0

Chanhassen, MN

Nov 1, 2024

Keith and his team continue to be an excellent option for me and my clients. He is very knowledgeable and stays on top of every deadline. When my clients work with him, I know they are in good hands.

PG

Patrick Garrity

5.0

Bloomington, MN

Oct 27, 2024

Incredible, clear, advice and answers to questions. Gave us so much confidence. Thanks so much!

SG

Stephanie Garrity

5.0

Bloomington, MN

Oct 26, 2024

Very knowledgeable

AJ

Aaron Jabbour

5.0

Edina, MN

Oct 24, 2024

Keith was always available with quick responses and great advice. Highly recommend.

BK

Ben Keefe

5.0

Bloomington, MN

Oct 23, 2024

We were on the list side of this transaction and Keith lived up to his reputation. Communicative, professional, and friendly.

DT

Damek Tomscha

5.0

Maple Grove, MN

Oct 17, 2024

We had a great experience working with Keith and his team. Communication was clear and whenever we had questions they were there with answers in a quick timely manner.

KT

Katherine Tomscha

5.0

Maple Grove, MN

Oct 15, 2024

Quick, prompt responses and answered all of our questions with patience. It was a great first experience buying a house. We appreciate all of your help and guidance!

MK

Mary Krieter

5.0

Saint Louis Park, MN

Oct 2, 2024

He's the best - ALWAYS. I have the greatest respect and confidence in Keith!

LF

Laura Fingerson

5.0

Minneapolis, MN

Sep 30, 2024

Keith was very responsive to all my questions - quickly and with the information I needed.

TH

Tamara Holmes

5.0

Fridley, MN

Sep 26, 2024

Keith and team are FANTASTIC FABULOUS Always available

EH

Emily Huebner

5.0

Minneapolis, MN

Sep 23, 2024

Keith is incredibly responsive and on top of keeping the flow of paperwork going. We have full confidence in him.

TM

Turner MacIntosh

5.0

Burnsville, MN

Sep 21, 2024

The man in the suit 😎

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?

Keith O'Brien

Keith O'Brien

Mortgage Consultant

NMLSR: 681623

Learn More