Built on clarity

Mortgage guidance that adapts.

A licensed loan officer who has also sat on the real estate and closing side of the table — which changes what I look for before a file ever reaches underwriting.

Portrait of Andrea Nemetz
Years in real estate & lending
14+
Licenses held
Mortgage, real estate, closing
Lender access
Hundreds of lenders
Primary market
Twin Cities & Minnesota

Meet Andrea

Andrea Nemetz

I’m a licensed loan officer with more than 14 years of experience in the real estate industry. Holding mortgage, closing agent and real estate licenses gives me a uniquely comprehensive perspective on the entire homebuying process — I can see how a financing decision will land at the closing table weeks before we get there.

Based in the east metro and serving clients from Minnetonka and the surrounding areas, I specialize in guiding borrowers through today’s lending landscape with clarity and confidence. My approach is personal: I take time to understand your financial goals, identify the loan options that actually fit, and make sure you feel informed and supported from application through closing.

I stay current with market trends, lending regulations and new financing programs so the guidance you get is strategic and up to date. With a background in business administration and a genuine interest in helping people build something durable, I treat every file as a long-term relationship rather than a transaction.

I also hold a Minnesota real estate license and practice real estate separately. Those are two distinct businesses, and you are never required to use one to get the other — but the overlap in knowledge benefits every client I work with.

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