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
NMLS: 681623
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?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:
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01Fixed & adjustable rate mortgages
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02Federal Housing administration loans (FHA)
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03Veterans affairs loans (VA)
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04Renovation financing
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05Jumbo 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
Know Your Monthly Mortgage Payment
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
Explore the local area. Find restaurants, delivery, movers, and more...
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Narunya's
262 reviews
This is the best Thai restaurant in the Temple-Belton area. They have a variety of regions of Thai food. The price is right and the food is spiced to your...
Read more on Yelp+1 (254) 613-5244316 E Central Ave, Belton, TX 76513
China Cafe
90 reviews
Excellent hot and sour soup! Live the fried won tons as well. Very friendly staff and order was accurate!
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Fire Street Pizza
215 reviews
The hidden gem of pizzas! The pizzas here are always incredible and the beers are the best. Also you can't beat such a fun restaurant with plenty of games...
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Chef Chu's
2012 reviews
I've been coming here since I was born, and my family even longer. A classic staple of the Bay Area. If you want Chinese food, this is the place to come and...
Read more on Yelp+1 (650) 948-26961067 N San Antonio Rd, Los Altos, CA 94022
New York Pizza
498 reviews
The pizza here is delicious! Toppings are fresh and generous. New York style is the way to go, of course. The crust is so good! Love that it's not too...
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The Melt
6 reviews
There is no such thing as garlic parmesan fries that don't taste good. But these ones from Melt are a cut above for sure. While it may not look like much...
Read more on Yelp+1 (855) 384-28681711 W El Camino Real, Mountain View, CA 94040
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Mosaic Grill
94 reviews
Finally got to eat here today with my coworkers. It was quick ordering. Food was out quick. Food was HOT! My coworkers loved their food not pictured is...
Read more on Yelp+1 (254) 613-52402608 N Main St, Ste A, Belton, TX 76513
OakFire Pizza And Brewing
29 reviews
We moved from Ft Collins CO where we had a wonderful "old town" vibe with great restaurants and shops, Belton could really use more of this. OakFire Pizza &...
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Troy Lumberyard
10 reviews
What a gem of a place!! We drove in from Lampasas looking for a great place to eat. We were not disappointed. Staff is super friendly and very knowledgeable...
Read more on Yelp+1 (254) 938-301528 E Main St, Troy, TX 76579
The Post
341 reviews
My daughter had such a great time at the Los Altos Farmers Market that we decided to bring her back for a 2nd week in a row. Since we were already making...
Read more on Yelp+1 (650) 935-2003395 Main St, Los Altos, CA 94022
Los Altos Grill
1581 reviews
Just like every hill stone property I ever been the Los Altos grill was excellent food and great service. Laura and Porsche were my bartenders (I sat At...
Read more on Yelp+1 (650) 948-3524233 3rd St, Los Altos, CA 94022
I'm here to answer all
your mortgage questions
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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.
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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.
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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.
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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.
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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.
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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
Mortgage Consultant
NMLS: 681623