Minnetonka · Lake Minnetonka · Twin Cities · Updated November 2026
Mortgage broker in Minnetonka, Minnesota
I'm Nathan Ta, the Loan Ranger: an independent mortgage broker with Edge Home Finance on Baker Road in Minnetonka. Searching for a mortgage lender near you? Here's what's different about a broker, what I do, who I do it for, and how to reach me tonight.
Nathan Ta is a licensed mortgage broker (NMLS #2458897) at 5860 Baker Road, Minnetonka, MN 55345. He serves the west and south metro, the Twin Cities and all of Minnesota. He is also licensed in Wisconsin, North Dakota, California and Georgia.
He arranges home loans and refinances through dozens of wholesale lenders. He specializes in first-time buyers, real estate investors and self-employed borrowers. He holds a 5.0 rating on Google and Experience.com. He answers calls and texts Monday through Saturday, 9 AM to 11 PM.
The office
5860 Baker Road, Minnetonka
Off Highway 7, ten minutes from downtown Wayzata and Excelsior and twenty from downtown Minneapolis. Most clients never need to visit. The whole loan runs by text, phone and a secure upload link, and the closing happens at the title company or your kitchen table. If you'd rather sit across a desk, you're welcome here.
- Address
- Edge Home Finance, LLC
5860 Baker Road, Minnetonka, MN 55345 - Phone and text
- (952) 393-6551
- [email protected]
- Hours
- Monday to Saturday, 9 AM to 11 PM
- Licensed
- Minnesota, Wisconsin, North Dakota, California, Georgia · NMLS #2458897 · Company NMLS #891464
Where I work
Which areas do you serve?
My office is in the west metro and my home is in the south metro. I'm licensed for the whole state, and the loan works the same from anywhere.
Lake Minnetonka and the west metro
Minnetonka, Wayzata, Deephaven, Excelsior, Shorewood, Orono, Mound, Hopkins, Eden Prairie, Plymouth, Edina, St. Louis Park, Chanhassen, Chaska, Maple Grove.
The south metro, where I live
I live in Apple Valley and work with buyers all over the south metro: Lakeville, Eagan, Burnsville, Rosemount, Farmington, Savage, Prior Lake, Shakopee and Hastings.
The Twin Cities
Minneapolis, St. Paul, Bloomington, Woodbury, Blaine and the rest of the metro.
Greater Minnesota and beyond
Rochester, St. Cloud, Duluth, and every county in Minnesota. Also licensed in Wisconsin, North Dakota, California and Georgia for clients moving or buying there.
What I do
What loans does a Minnetonka mortgage broker arrange?
One person, dozens of wholesale lenders, and a teacher's patience for the questions.
Buying a home
Conventional, FHA, VA, USDA and jumbo loans, with pre-approval letters usually the same day.
First-time buyers
Low down payment options and Minnesota Housing down payment assistance, explained like a teacher would.
Refinancing
Lower the rate, drop mortgage insurance, shorten the term or take cash out. The break-even math first.
Paying off debt with equity
Cash-out refinance, HELOC or home equity loan, and which one fits your current rate.
Rental property investors
DSCR loans that qualify on the property's rent, not your tax returns. Can close in an LLC.
Self-employed and 1099
Bank statement and 1099 loans for when the tax returns don't tell the whole story.
Buying before you sell
Bridge loans and other ways to make the next house happen before the first one closes.
Denied before closing
A broker can move your file to a different lender fast. Call me the same day.
For realtors
A lender partner who picks up, with a realistic closing date before you write it into the offer.
Local knowledge
What should a Minnetonka mortgage broker know cold?
The loan is national. These parts aren't.
$832,750
2026 conforming loan limit, one unit, statewide
FHA: $552,000 in the Twin Cities metro
0.24%
Mortgage registry tax in Hennepin and Ramsey counties
0.23% elsewhere in Minnesota
~$18,000
Minnesota Housing down payment and closing-cost help, depending on the option
Start Up and Step Up programs
$32,000
First-Generation Homebuyers fund cap, forgiven over five years
Opens and closes as funding allows
Lake homes, cabins and duplexes. Second homes up north, seasonal properties, and the classic Twin Cities house-hack (buy a duplex, live in half) each have their own rules on down payment and rental-income counting. I know which lenders are friendly to them and which aren't.
Minnesota Housing programs. Start Up (for first-time buyers) and Step Up (for everyone else) pair a first mortgage with down payment help. The First-Generation Homebuyers fund can add up to $32,000 for buyers whose parents never owned a home. I've closed a family with it. Ask me which ones fit your file. More on Minnesota specifics.
In their words
What do Twin Cities clients say about Nathan?
Exact words from public Google reviews.
On being treated like family
Nathan treated me like family from the beginning, and that’s honestly what made me come back to him.Bos M.
More than just a loan officer, Nathan became someone we truly consider a friend.Natalie F.
Thanks again, Nathan—you’ve got a client and friend for life!Angel R.
On picking up the phone
I was surprised how he picked up at odd hours, even on the weekends.Alisha T.
He answered all my questions late at night and was always available and kind.Ryan L.
He was always available too, especially on weekends and late nights!Monica W.
Quick answers
Questions people ask before they call
Where is your office?
5860 Baker Road, Minnetonka, MN 55345, with Edge Home Finance. Most of my clients never need to come in. Everything from the first conversation to the final signature can happen by text, phone and a secure upload link. The closing is at the title company, or with a mobile notary at your kitchen table. If you'd rather meet in person, say so and we'll set it up.
Do you work with buyers outside Minnetonka?
Yes. I'm licensed for the whole state of Minnesota. I work with buyers across the Twin Cities and Greater Minnesota every month, from Wayzata and Eden Prairie to Rochester and Duluth. I live in Apple Valley, so the south metro is home turf too: Lakeville, Eagan, Burnsville and the towns around them. I'm also licensed in Wisconsin, North Dakota, California and Georgia for clients who are moving or buying there.
Are you a mortgage lender or a mortgage broker?
A broker. A lender funds loans from its own menu. As an independent mortgage broker with Edge Home Finance, I shop your file across dozens of wholesale lenders. I place it with the one whose pricing and guidelines fit. You deal with me from the first text to closing day. When one lender says no, I have dozens more to ask.
What kinds of home loans do you do?
For buyers: conventional, FHA, VA, USDA and jumbo loans. For homeowners: refinances, including cash-out. For investors: DSCR loans on rental property. For self-employed borrowers: bank statement and 1099 loans. Also construction and bridge loans, and Minnesota Housing down payment assistance for first-time buyers. I also take over files that fell apart with another lender before closing.
What are your hours?
Monday through Saturday, 9 AM to 11 PM. Real estate doesn't keep office hours, so neither do I. Pre-approval letters go out evenings and weekends. If a listing agent calls about your offer on a Saturday night, I pick up.
How do I get started?
Text or call (952) 393-6551, or start the secure online application, which takes about 15 minutes. There's no application and no credit pull for a first conversation. Tell me what you're trying to do and I'll tell you what I'd do in your shoes.
Why do you say 'mortgage broker near me' matters less than it used to?
Because the loan itself is the same from anywhere; what's local is the knowledge. I know Hennepin County's extra mortgage registry tax and which Minnesota Housing programs are open this month. I know how lake homes and duplexes get underwritten, and which appraisers and title companies in the west metro move fast. That's what you're really searching for.
Keep reading
Sources. Loan limits: FHFA and HUD, 2026. Mortgage registry tax: the Minnesota Department of Revenue. Down payment programs: Minnesota Housing and the First-Generation Homebuyers Community Down Payment Assistance Fund at firstgendpa.org.
Fine print. Minnesota Housing program figures change; everything is confirmed against your file. Not a commitment to lend. Nathan Ta, NMLS #2458897, Edge Home Finance, LLC, NMLS #891464, 5860 Baker Road, Minnetonka, MN 55345.