Minnesota mortgage strategy
Mortgage strategy starts here.
Financing built around your real goals, not just today’s rate. Fourteen years of real estate, mortgage and closing experience in one place.
Andrea Nemetz, Mortgage Loan Officer · Edge Home Finance · NMLS #2603670
Serving the Twin Cities metro, White Bear Lake, Minnetonka and clients across Minnesota.
Buy With Confidence
Underwriter-reviewed pre-approvals that make your offer stronger before you tour a single home.
Explore buyingRefinance With Timing
Scenario modeling on rate, term and cash-out so you know exactly when a change pays for itself.
Explore refinancingFinancing Access
Hundreds of lenders, from conventional and VA to DSCR, renovation and bank statement programs.
Explore programsReal estate insight built in
Lending expertise that leads.
I’m Andrea Nemetz, a licensed mortgage loan officer with more than 14 years of real estate experience helping clients navigate their journey with clarity and strategy. My background also includes real estate and closing licensure, which gives me a broader understanding of how financing affects every part of a transaction.
With access to hundreds of lenders and direct communication with underwriters, I help borrowers secure approvals efficiently and choose loan options that align with both immediate needs and long-term goals.
A long-term mortgage plan
More than a rate.
Rates change. Markets shift. Life evolves. Your mortgage should be built to adapt. I take a long-term approach to lending, helping clients understand not just today's loan, but how it fits into future goals like refinancing, investing, or moving again.
From first-time buyers and seasoned homeowners to investors using DSCR or renovation financing, I provide guidance that goes beyond the transaction — and stays involved well past closing.
Financing that fits real life
Loan programs built around you.
Access to hundreds of lenders means the program follows your situation instead of the other way around.
Conventional
A flexible fit for buyers with stable income and credit. Competitive pricing, options as low as 3% down, and the ability to remove mortgage insurance over time.
FHA
Built for buyers who need more flexibility on credit history or down payment while keeping predictable, structured financing.
VA
For eligible veterans, active-duty service members and surviving spouses. Among the strongest financing available anywhere.
Jumbo
Financing above conforming loan limits for higher-value properties, with underwriting reviewed in detail up front.
Down Payment Assistance
Minnesota Housing and lender-specific programs that pair a first mortgage with help toward down payment and closing costs.
DSCR & Investor
Qualify an investment property on its own rental income rather than personal tax returns. Built for portfolio growth.
Renovation
Finance the purchase and the improvements in one loan so a dated property can become the right property.
Self-Employed & Bank Statement
Alternative documentation for business owners whose tax returns understate real cash flow.
For illustration only. Not a commitment to lend, a rate quote, or a Loan Estimate. Actual payments and terms depend on credit, property, program and market conditions at the time of application.
Testimonials
What clients say.
Truly a superstar in her industry.
She is excellent at what she does and brings a lot of expertise to the real estate industry. I would highly recommend Andrea to anyone buying a home in the Twin Cities. She communicates very well and makes you feel as if I'm the only person she is working with. She also brings a calm to a process that can be very stressful.
One month and four days, start to finish.
My home buying process happened in one month and four days and I was on the road for work almost every weekday during that time. The service and support Andrea provided throughout was excellent. She was available by phone or email no matter what time zone I was in. I am thrilled with my purchase.
Extremely knowledgeable with the entire process.
Andrea was extremely knowledgeable with the entire process, which helped me focus on finding the right home. We wrote an offer on the very first day it was on the market, countered back and got it. I couldn't be happier with this purchase and the ease of the transaction.
Ready to run your numbers?
Start a secure application, model a payment, or just talk it through. No pressure and no obligation.