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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

NMLS: 681623

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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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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Divorce attorney

Divorce attorney

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Know Your Monthly Mortgage Payment

Mortgage Amount, $
Total Cost Of Mortgage, $
Monthly payment:

What my clients say...


Michael Hunter


Apple Valley, MN

Apr 28, 2023

Prompt communication and excellent customer service.


Eric Eastman


Edina, MN

Apr 24, 2023

Can’t say enough great things about Keith! Super responsive and always goes above and beyond!


Amanda DePesa


Bloomington, MN

Apr 19, 2023

Keith and his team are very attentive and professional. The home buying process was streamline and pleasant.


Melisa Zenner


Hutchinson, MN

Apr 17, 2023

Easy and clear directions via email


Linda Bornowski


Edina, MN

Apr 13, 2023

on time personal communication. complete explanation of the process


James Vancura


Saint Paul, MN

Apr 11, 2023

So responsive and fast.


Matthew Copenhaver


Minneapolis, MN

Apr 6, 2023

Responsive to all questions, knowledgeable, helped a lot with our first home buying experience


Madison Tweed


Bloomington, MN

Apr 6, 2023

Keith was great to work with as a first-time home buyer. He is very patient and works hard to make the process as seamless as possible. The whole process seemed daunting at first, but Keith helped break it down into small, attainable steps. He is communicative and answers questions day and night, weekdays and weekends. I definitely recommend working with him!


Jared Wong


Bloomington, MN

Mar 23, 2023

Keith and his team worked quickly and responsively. Everything went astoundingly smooth, I'm not sure it's possible to have an easier mortgage experience than this.


Stephanie Faber


Minnetonka, MN

Mar 11, 2023

Super fast and responsive


Kathleen Henry


Shoreview, MN

Mar 3, 2023

I told Keith I didn’t know very much about the loan process and he took time to explain every step to me so I could understand it.


William Thompson


Minneapolis, MN

Feb 25, 2023

Everything was fast and communication was great.


Karen Benson


Cottage Grove, MN

Feb 22, 2023

The courtesy of employees, helpfulness. They made the process easy.


Michael Lieber


New Hope, MN

Jan 14, 2023

Great communication.


Brenda Lewis


Minneapolis, MN

Jan 8, 2023

The people were great to work with and were helpful in navigating something I don't do often.


Ryan Barnett


Bloomington, MN

Jan 6, 2023

Keith walked me through options I didn't know we had access to and found rates that worked for us and were expedient in delivery. It was extremely easy.


Amy Walker


Eden Prairie, MN

Jan 1, 2023

Responsive to all my questions—great customer service

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

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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?

Keith O'Brien

Keith O'Brien

Mortgage Consultant

NMLS: 681623

Learn More