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Hi! I'm Joe...
Your Mortgage Consultant!

We make the home loan process as simple as possible by guiding you through every step.

Joe Tupy

Mortgage Consultant

NMLSR: 806419

651-328-4628
Address: 10945 Club W Parkway NE Suite 100, Blaine, MN, 55449

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

Ranked #1 in Customer Satisfaction among Mortgage Origination Companies

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

Know Your Monthly Mortgage Payment

Mortgage Amount, $
270,000
Total Cost Of Mortgage, $
703,080.00
Monthly payment:
1,953.00
P&I
Insurance
Taxes
PMI
HOA

Rental information

Property information

Loan information

Taxes and insurance information

Financial analysis
Plain English help
Rent
Buy
Total rent or P&I payments, $
129,992
68,300
Taxes and insurance, $
6,000
47,500
Total Mortgage Insurance, $
0
6,750
Total maintenance and HOA dues, $
0
5,000
Total payments
135,992
127,550
Rent
Buy
Average Monthly Payment, $
2,267
2,126
Monthly Rent Savings, $
141
Total income tax savings, $
0
19,375
Total Rent Details
-27,817
House Appreciation Value, $
382,884
Proceeds Minus Selling Costs, $
22,973
Minus Loan Balance, $
240,047
Recover Initial Down Payment, $
30,000
Recover Loan closing Costs, $
10,000
Home Purchase Benefits
79,864

Is it financially better to buy a home or to rent? The answer to this question depends upon how much the home costs, how much you are paying for rent, and how much you will have to pay each year in order to maintain your home.

If you were to pay 2,000 per month, for example, and the average rental payment increase was 4, you would pay 135,992 in a 5 year period toward rent and insurance. If you purchased a home and borrowed 270,000 with a 3 interest rate, and you paid 5,000 every year toward its maintenance/HOA dues, you could expect to pay a total amount of 127,550 in a 5 year period. For property taxes and insurance, you pay 7,500 in taxes each year and your annual insurance amount is 2,000.

When you consider your tax benefits and the appreciation of your home, however, you will actually MAKE money by purchasing a home. If your home shows an annual appreciation of 5 and your selling cost is 6, your house appreciation value will be 382,884. As a result, your total home purchase benefit will amount to 79,864.

What my clients say...

SW

Soniya Weissmann

5.0

Robbinsdale, MN

Mar 7, 2025

Joe was great in explaining everything and what we could get and how! He was also there at any time to help us with questions we had. I would reccomend him to everyone! He made our first home experience so easy and exciting!

HW

Henry Wald

5.0

Robbinsdale, MN

Feb 24, 2025

Joe was super helpful and willing to answer all our questions!

MB

Molly Burgeson

5.0

Minneapolis, MN

Feb 20, 2025

Joe and his team are absolutely excellent to work with. I have worked many transactions with Joe as the buyer’s agent, but this was my first time using him as a buyer myself. The application process was very straightforward and Joe did a great job educating and communicating with me throughout each step. He and his team worked seamlessly with the list side to get us to the closing table and in our new home with the best financing terms possible. It is clear that Joe is always looking out for the best interest of the client over making a sale, and I will continue to sing his praises to anyone looking for a mortgage loan officer. Thank you, Joe!

SH

Sarah Hermeier

4.8

Cottage Grove, MN

Jan 13, 2025

Joe was very helpful anytime I asked questions and was always quick in preparing financial analysises on any property I liked.

KE

Kaylee Errecaborde

4.7

Stillwater, MN

Dec 16, 2024

Joe was extremely supportive and helped us navigate the complexities and urgency of needing to close quickly.

CB

Chere Bergeron

5.0

Saint Paul, MN

Dec 16, 2024

Joe gave us great support and guidance through the entire experience. We are so grateful for his partnership in purchasing our first home!

LG

Leslie Golie

5.0

Maple Grove, MN

Dec 4, 2024

Joe and his team continually exceed expectations over and over again. We are so pleased to be able to work them!

KH

Krista Hanson

5.0

Minneapolis, MN

Dec 4, 2024

Joe and Paige were quick to respond to our many questions. They were also patient with us when our busy lives got in the way of getting all of our To-Do list items checked off. It was great to work wit the Edina Mortgage team, the Burgeson Group and Insurance all together! We have had a great experience each time - 2 buys and 1 sell and counting! Thank you :)

MB

Marsha Burgeson

5.0

Minneapolis, MN

Nov 14, 2024

Joe is over the top with his communication. Joe is always educating both the buyers and their agents (me!) on the different steps and what is required. Joe cares about his clients personal stories and goes above and beyond. It is about the numbers at the end of the day. Joe understands that and more.

AB

Aaron Bodurtha

5.0

Saint Anthony, MN

Nov 11, 2024

Great service/advice.

EB

Emily Benz

5.0

Roseville, MN

Nov 2, 2024

Joe and Paige do a phenomenal job of communicating where a client is at in the process, and they loop in the buyer's agent of the progress which is also helpful for me becaise I don't have to call or email the agent with status updates. Joe is also very thorough when he pre-qualifies my clients so I know they will be able to perform in their financing.

TJ

Tamara Janzen

5.0

Mounds View, MN

Oct 22, 2024

Joe and his team are always so professional and communicative with me, my clients, listing agents and title company. He puts everyone in the transaction at ease. I feel confident when I recommend Joe and his team to my buyers that he will get it done with great results.

FS

Frederick Stevens

5.0

Shoreview, MN

Oct 21, 2024

The communication and simplicity of document management!!

KW

Kimberly Warren

5.0

Lino Lakes, MN

Oct 17, 2024

I didn’t have to think or worry about anything while working with Joe. Thank you for making everything so easy to understand and always answering questions right away!

NN

Nha Nguyen

5.0

Richmond, MN

Oct 2, 2024

Great………..

SF

Stephen Francis

5.0

Paynesville, MN

Sep 25, 2024

Very professional. Grateful for your work Joe!

KC

Katherine Chamberlain

5.0

Saint Anthony, MN

Sep 24, 2024

Excellent communication and knowing Joe was always on our side.

RD

Rachel Duffy

5.0

Saint Paul, MN

Sep 16, 2024

Joe was very easy to work with, especially with my busy schedule. He responded to questions quickly and always made sure that I understood every part of getting the mortgage loan.

AP

Ann Pearcy

5.0

Arden Hills, MN

Sep 16, 2024

Quick, effective, kind and knowledgeable information and communication. The whole process. You and your whole team are amazing. Thank you so much!

SP

Scott Pearcy

5.0

Arden Hills, MN

Sep 13, 2024

Clear guidance and direction. Consistent communication.

President and CEO - Justin Messer

Justin Messer

President and CEO

"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 Prosperity Home Mortgage is as simple as a conversation. Are you ready to step inside?

Joe Tupy

Joe Tupy

Mortgage Consultant

NMLSR: 806419

Learn More