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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...

LB

Laura Bjerke

5.0

Stillwater, MN

Jun 22, 2024

Very responsive, always had the answers or could quickly get them, patient, explained everything well, overall an excellent experience!

GO

Gary Oslund

5.0

Richfield, MN

Jun 17, 2024

The flexibility to do things the old fashion way a bit.

WC

Winnie Crosbie

5.0

Bloomington, MN

Jun 14, 2024

All I know is Keith is my MOST TRUSTED on any mortgage information. He is most responsive, resourceful, knowledgeable, and reliable mortgage Consultant I ever worked with. You're missing out if you don't use Keith.

TP

Trung Pham

5.0

Minneapolis, MN

Jun 11, 2024

The communication with Keith and his team is very smooth. The whole team is on top of any missing documents or any documents that may need clarification, they're on top of requesting for the information to push the process along to avoid any potential delays prior to closing. Overall a very pleasant to work with Keith and his team to get the process completed. Thank you - Trung Pham

PD

Patrick Dean

5.0

Mound, MN

Jun 10, 2024

Keith made it easy and was great with communicating the steps needed from me throughout the process.

SB

Steven Brown

5.0

Bloomington, MN

Jun 6, 2024

I really appreciated Keith's daily updates on rates as well as his explanations of the entire mortgage process.

MM

Monica McIntosh

5.0

Mound, MN

Jun 5, 2024

Keith O’Brien is knowledgeable, professional and extremely pleasant to work with.

LM

Lisa Markert

5.0

Edina, MN

Jun 4, 2024

Keith was very informative, made updates quickly and helped with a troublesome appraiser that showed up 4 hours early to appointments!

MK

Mary Krieter

5.0

Edina, MN

Jun 3, 2024

Keith is AMAZING. Brilliant, helpful, creative and his response time is perfection. I have TOTAL confidence in him. Thank you!

RB

Robert Brekken

5.0

Brainerd, MN

Jun 3, 2024

Everything about Keith was great. He helped make the process of selling two properties and buying a third work for us when others said they couldn’t help. He was in communication almost daily to keep us apprised of progress. He took much of the stress out of a stressful situation. Now we are enjoying a home we could only have dreamed of months ago!

MI

Marie Ince

5.0

Inver Grove Heights, MN

Jun 1, 2024

Keith is so very patient and willing to thoroughly explain every process. He took every opportunity to ensure that we understood what was happening. He was always quick to answer questions that we had. I felt incredibly comfortable every step of the process. Keith is great!

TH

Thomas Hale

5.0

Hastings, MN

May 19, 2024

Keith kept me informed with requirements. He was always available for questions.

YP

Yarira Pineda

5.0

Apple Valley, MN

May 18, 2024

everything and communication

SN

Soemily Nino Rodriguez

5.0

Apple Valley, MN

May 17, 2024

Keith is knowledgeable and he was available to answer all our questions. Great experience.

DS

Danya Spencer

5.0

Fridley, MN

May 16, 2024

I never have to worry about anything when Keith is involved – in fact, I was out of town so he attended the closing on my behalf to make the buyer comfortable.

JM

John MacKany

5.0

Saint Louis Park, MN

May 10, 2024

Keith’s knowledge, dedication and availability set him apart from all others. Thank you for being the consummate professional!

WC

Winnie Crosbie

5.0

Saint Paul, MN

May 7, 2024

Keith is always timely and responsive of all our questions and concerns. He is knowledgeable and reliable, honest, who else if not Keith in my team. Thanks for the great service as always.

EL

Ellen Long

5.0

Saint Paul, MN

May 7, 2024

The knowledge and friendliness and professionalism of everyone there .

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