Getting ready · 6 min
The Document Checklist That Keeps a Minnesota Mortgage on Schedule
Most delays are paperwork delays. Here is what underwriters typically ask for, why they ask, and how to gather it once instead of three times.
Minnesota Mortgage Loan Officer
Mortgage strategy
starts here.
I help Minnesota homebuyers and homeowners find mortgage financing that fits their situation, whether you are buying your first home, refinancing, or exploring options like FHA, VA, conventional, jumbo or investor loans.
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Understand estimated payment ranges, cash-to-close considerations and potential loan options before you start touring homes. Estimates are not guaranteed financing terms.
Andrea Nemetz, Mortgage Loan Officer · Edge Home Finance · NMLS #2603670
Serving the Twin Cities metro, White Bear Lake, Minnetonka and clients across Minnesota.
14+
Years in the real estate industry
49
Edge Home Finance licensed in 49 states. Andrea Nemetz originates loans only in states where she is individually licensed.
NMLS
#2603670 · Company #891464
MN
Twin Cities based, serving clients statewide
New here? Start with the roadmap
Eight steps from first conversation to keys.
See exactly what happens at each stage of buying a home in Minnesota, what documents you will need, and roughly how long each step takes.
01
Purchase financing
Buy with confidence.
A thorough review of income, assets, credit and supporting documentation helps identify potential financing issues early so buyers can approach a home search with greater clarity. Program availability, terms and eligibility vary based on loan program, borrower qualifications, property type, occupancy and other factors.
Explore buying02
Refinance strategy
Refinance with timing.
Scenario modeling on rate, term and cash-out so you know exactly when a change pays for itself, and when staying put is the smarter move.
Explore refinancing
03
Program access
Financing built to fit.
Access to a broad selection of mortgage programs and lending options available through Edge Home Finance, from conventional and VA to DSCR, renovation and bank statement financing. The program follows your situation instead of the other way around.
Explore programs
Real estate insight built in
A broader view of the transaction.
I’m Andrea Nemetz, a licensed mortgage loan officer with more than 14 years in the real estate industry, helping clients make informed decisions through the financing and real estate process. My background also includes real estate and closing licensure, which gives me a broader understanding of how financing affects every part of a transaction.
As a mortgage loan officer with Edge Home Finance, I can compare options across a broad selection of mortgage programs and lending options available through Edge Home Finance rather than relying on a single institution’s lending menu, which helps borrowers 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.
Experience across the whole transaction
Mortgage Guidance Beyond the Loan Application
Mortgage financing does not happen in a vacuum. Appraisals, inspections, seller concessions, property condition, closing logistics and contract timelines can all affect whether a transaction reaches the closing table.
Andrea Nemetz brings experience spanning mortgage lending, residential real estate and real estate closings, allowing borrowers to approach financing with a broader understanding of the entire transaction.
Whether you are buying your first home, moving between properties, refinancing, purchasing an investment property or navigating a more complicated financing scenario, the goal is the same: understand the options, identify potential problems early and build a financing strategy that fits the transaction.
Financing that fits real life
Loan programs built around you.
Access to a broad selection of mortgage programs and lending options available through Edge Home Finance means the program follows your situation instead of the other way around.
01
Conventional
Flexible financing options for qualifying borrowers, with multiple down-payment structures and the potential to remove mortgage insurance when applicable requirements are met.
02
FHA
Built for buyers who need more flexibility on credit history or down payment while keeping predictable, structured financing.
03
VA
VA financing offers valuable benefits for eligible veterans, active-duty service members and qualifying surviving spouses.
04
Jumbo
Financing above conforming loan limits for higher-value properties, with underwriting reviewed in detail up front.
05
USDA
Rural development financing for qualifying borrowers purchasing eligible primary residences in designated areas.
06
Down Payment Assistance
Minnesota Housing and lender-specific programs that pair a first mortgage with help toward down payment and closing costs.
07
DSCR & Investor
DSCR programs may allow qualifying real estate investors to be evaluated primarily using the property's cash flow rather than traditional personal-income documentation.
08
Renovation
Finance the purchase and the improvements in one loan so a dated property can become the right property.
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.
She worked through issues that would have held my loan up.
She was always on top of things from the start of the process through the closing date, and very knowledgeable about the area and the whole process. My situation was not the norm and she worked through several issues that would have held my loan up or caused it to be denied.
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.
Someone I can trust to depend on.
She is without a doubt professional and accountable in her abilities. She brought trust and sincerity to the way she accomplishes her responsibilities. Whenever that next time is, Andrea will always be someone I can trust to depend on.
Reviews are authentic client reviews with source documentation on file and are published with permission. Client reviews reflect individual experiences and are not representative of typical results. Individual outcomes vary based on financial profile, market conditions, loan program, and other factors. Results shown are not guaranteed. Some reviews describe real estate services provided separately through Fuze Real Estate rather than mortgage services provided through Edge Home Finance Corporation.
Common questions
Answers before you apply.
The questions I hear most from Minnesota buyers and homeowners.
- Who is Andrea Nemetz?
- Andrea Nemetz is a licensed mortgage loan officer with Edge Home Finance Corporation, NMLS #2603670 (company NMLS #891464). She has more than 14 years in Minnesota real estate and works with buyers, homeowners and investors on purchase financing, refinancing and long-term loan strategy.
- What areas does Andrea Nemetz serve?
- Andrea works throughout Minnesota, including the Twin Cities metro, White Bear Lake, Minnetonka, Woodbury, Maple Grove, Eden Prairie and the surrounding suburbs. Edge Home Finance Corporation is licensed in 49 states. Andrea Nemetz originates loans only in states where she is individually licensed.
- How long does a mortgage pre-approval take?
- Many pre-approvals can be completed within one to two business days after a completed application and requested documentation are received. Timing varies based on the borrower, loan program and complexity of the file. Andrea takes a thorough approach to reviewing income, assets, credit and supporting documentation to help identify potential financing issues early, so the pre-approval letter your agent attaches to an offer reflects a documented review rather than a rough estimate.
- How much do I need for a down payment in Minnesota?
- Down payment requirements vary by loan program, property type, occupancy and borrower qualification. Some conventional and FHA programs allow low down payments, and VA and USDA financing may require no down payment for eligible borrowers. Minnesota Housing and other assistance programs may help with down payment or closing costs for qualified buyers, subject to program requirements.
- When does refinancing make sense?
- Refinancing usually makes sense when the monthly savings recover your closing costs within a timeframe you plan to keep the home, when you can drop mortgage insurance, when you want to move out of an adjustable rate, or when you need to use equity for debt consolidation or renovation. Andrea models the break-even before you commit.
- How do I start a loan application?
- You can start a secure application online through Andrea's Edge Home Finance portal, or book a call first at mymortgagewithandrea.com/schedule to talk through your goals before submitting anything.
Insights
Written plainly, not sold.
Practical articles on how mortgage financing actually works, what underwriters look for, how to compare offers, and how to make decisions that hold up over time.
Making decisions · 7 min
How to Compare Loan Estimates Without Getting Distracted by One Number
A Loan Estimate is a standardized form for a reason. Here is how to read it side by side so you are comparing the whole cost of financing, not one line.
Strategy · 6 min
Buying a Home in a Shifting Market: What Actually Stays Under Your Control
Nobody controls the market. Buyers do control readiness, structure and timing decisions, and those are usually where the outcome is decided.
Ready to run your numbers?
Start a secure application, model a payment, or just talk it through. No pressure and no obligation.