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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...

SB

Sara Bender

5.0

Edina, MN

Jul 18, 2024

I know I was a pain and sent a lot of emails but Keith was great in answering all my questions. I am so grateful for everything he did.

AO

Amy Olson Hare

5.0

Edina, MN

Jul 15, 2024

Jane Oelke was wonderful as well! Thank you! Amy and Dan Hare

RJ

Renee Jaroscak

5.0

Plymouth, MN

Jul 8, 2024

Keith was informative, helpful, friendly, and responded to our concerns and questions in an extremely timely manner. We were impressed with his availability and willingness to work with us. We wouldn’t hesitate to recommend him to anyone buying or selling a home!! Top notch experience!!!

DJ

Daniel Jaroscak

5.0

Plymouth, MN

Jul 6, 2024

Keith was so understanding and made the process easy for us to understand

KP

Kathleen Palmsten

5.0

Minnetonka, MN

Jul 3, 2024

Great service.

EP

Ernest Palmsten

5.0

Minnetonka, MN

Jul 3, 2024

Keith was very supportive and made the process easy.

AL

Allison Laurent

5.0

Minnetonka, MN

Jul 1, 2024

Keith and his team were awesome. Everyone was extremely attentive. They answered every single one of my questions without judgment and quickly. I’d definitely like to work with them again in the future.

DB

Daniel Buettner

5.0

Edina, MN

Jun 30, 2024

I learnt a lot from Keith and that made me feel empowered to make the right decisions.

MD

Michael Dunn

5.0

Cold Spring, MN

Jun 29, 2024

Keith is always super responsive and helpful. He operates with the client's best interest in mind and provides excellent information and solutions.

SB

Sarah Buettner

5.0

Edina, MN

Jun 28, 2024

Keith was incredibly responsive, kind, patient, and knowledgeable.

MM

Melissa Mound

5.0

Minneapolis, MN

Jun 25, 2024

Keith is a total pro!! Very detailed in his communication, consistently follows up, and closes loans on time.. every time! Working with him is always a great experience with both myself & my clients.

LR

Lindsey Ronning

5.0

Minneapolis, MN

Jun 25, 2024

From the moment we received the pre approval letter with Keith's name on it, Keith showed up and delivered excellent service from communication, to commitment, and provided updates prior to deadlines! Excellent experience all around!

TH

Tamara Holmes

5.0

Minnetonka, MN

Jun 25, 2024

Keith and his team are so responsive and available at the drop of a hat 🎩. They are through and don’t mislead anyone or make mistakes. Keith and his team are a HUGE asset to my knowledge base and customers.

CC

Cory Campbell

5.0

Minneapolis, MN

Jun 24, 2024

Keith was prompt, informative, and helpful

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.

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