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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

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...

CH

Chanthavixay Haschka

5.0

Savage, MN

Mar 25, 2024

I love Keith !!!

DS

David Serber

5.0

Plymouth, MN

Mar 19, 2024

Keith was very quick to respond to questions and thorough in his explanations.

MV

Matthew Van Donsel

5.0

Bloomington, MN

Mar 12, 2024

Keith spent extra time before we even started the process to understand how best to prepare for submitting a mortgage app. He and his team communicated clearly and consistently throughout the whole process.

DW

Danny Wallace

5.0

Minneapolis, MN

Mar 11, 2024

Keith took special care of my clients and made sure to give them, and me, timely information leading up to the close. He made it easy for them to say yes and move forward with the process.

CT

Casy Turner

5.0

Oakdale, MN

Mar 3, 2024

Quick responses, very helpful

CD

Candice Domingo-De Asis

5.0

Edina, MN

Feb 28, 2024

The entire team was very responsive and knowledgeable. They were willing to answer all our questions and explain the details.

LH

Laura Hachiya

5.0

Golden Valley, MN

Feb 25, 2024

Keith was so thorough and quick in his responses and information. This made the process so great for us as first time homebuyers.

ZD

Zachary Duncanson

5.0

Robbinsdale, MN

Feb 22, 2024

Keith was able to provide a lot of clear and concise information whenever we had questions about anything. He was very easy to work with and made the process of buying a house very easy for us!

ED

Eugene Andrew De Asis

5.0

Edina, MN

Feb 19, 2024

Collaborating with Edina Realty and their team of experts was an outstanding experience. Their seamless teamwork facilitated a swift and efficient search for the condominium my wife and I desired. Ginna Raming’s proficiency in identifying suitable properties, paired with Keith O’Brien’s financial guidance, ensured a seamless transaction process. The entire department, including their team, offered timely assistance, valuable insights, and expert advice, making our home buying journey enjoyable and stress-free. For all my future real estate endeavors, I would unquestionably choose Edina Realty again.

GR

Ginna Raming

5.0

Edina, MN

Feb 19, 2024

Keith is a great partner and I wouldn't recommend anyone else to my clients, family, or friends. I can count on him and his team to provide the best support and options to my clients. The information Keith shares is invaluable to all that have the benefit of working with him.

MM

Michael Mulen

5.0

Bloomington, MN

Feb 16, 2024

Keith was available for any questions we had and was extremely helpful during the entire process of our home purchase.

JM

John Murray

5.0

Bloomington, MN

Feb 15, 2024

Knowledge. Availability.

MK

Mary Krieter

5.0

Eden Prairie, MN

Feb 15, 2024

He's AWESOME, detailed, efficient, prompt and reliable!!

GM

Gretchen Mattson

5.0

Saint Louis Park, MN

Feb 9, 2024

So easy. I was not that organized and the team was patient and kind

EN

Eric Nygren

5.0

Prior Lake, MN

Feb 8, 2024

Smooth and easy

BB

Byron Barnett

5.0

Minneapolis, MN

Jan 30, 2024

Keith’s patience and thoroughnesses made our experience in getting a bank loan smooth and satisfying.

SL

Sandra Liddell

5.0

Jan 4, 2024

Keith is the Best, I will work with him again and most Definitely Refer him.

KM

Kathy Mende

5.0

Edina, MN

Jan 4, 2024

I was updated via text or email through the whole process. I usually have to call for updates.

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

NMLS: 681623

Learn More