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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, $
Total Cost Of Mortgage, $
Monthly payment:
P&I
Insurance
Taxes
PMI
HOA

What my clients say...

AM

Anna M.

5.0

River Falls, WI

May 13, 2025

Knowledgeable, responsive and great communication throughout the process!

AR

Andres R.

5.0

Plymouth, MN

May 19, 2025

Joe and his team were the best!

MS

Miranda S.

5.0

Saint Anthony, MN

May 8, 2025

You did! Tgank you again.

AL

Angel L.

5.0

Plymouth, MN

May 8, 2025

Papi Tupy is awesome

BM

Brian M.

5.0

Eagan, MN

May 8, 2025

Joe had an answer or solution for everything. we as first time home buyers had so many questions and uncertainties, he was able to provide answers with confidence on what to expect and get ready for

BB

Budd B.

5.0

Falcon Heights, MN

May 8, 2025

Fast, timely Can-Do attitude

ZG

Zamara G.

4.8

Cologne, MN

May 8, 2025

Great communication. I was able to trust that the team was thorough and that made me confident nothing was missed or not considered.

CY

Cris Y.

5.0

East Bethel, MN

Apr 16, 2025

Hard worker

MD

Max D.

5.0

Saint Anthony, MN

Apr 16, 2025

Tons of guidance throughout the process. Always available to answer questions.

LB

Leyla B.

5.0

Minneapolis, MN

Apr 13, 2025

not sure what did

SB

Shayla B.

5.0

Burnsville, MN

Apr 10, 2025

Joe was fantastic to work with on my home loan. He was available, answered all my questions, and helped me secure a great loan. I was so thankful for his partnership I referred him to friends and family. I think anyone would be lucky to work with Joe.

JM

John M.

5.0

Burnsville, MN

Apr 10, 2025

Joe was very pleasant to work with and did a great job of coordinating all of the details to ensure a smooth closing.

MH

Mark H.

5.0

Saint Louis Park, MN

Apr 3, 2025

appreciated the level of communication and guidance

SW

Soniya W.

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 W.

5.0

Robbinsdale, MN

Feb 24, 2025

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

MB

Molly B.

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 H.

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 E.

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 B.

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 G.

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 H.

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 B.

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 B.

5.0

Saint Anthony, MN

Nov 11, 2024

Great service/advice.

EB

Emily B.

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 J.

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 S.

5.0

Shoreview, MN

Oct 21, 2024

The communication and simplicity of document management!!

KW

Kimberly W.

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 N.

5.0

Richmond, MN

Oct 2, 2024

Great………..

SF

Stephen F.

5.0

Paynesville, MN

Sep 25, 2024

Very professional. Grateful for your work Joe!

KC

Katherine C.

5.0

Saint Anthony, MN

Sep 24, 2024

Excellent communication and knowing Joe was always on our side.

RD

Rachel D.

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 P.

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 P.

5.0

Arden Hills, MN

Sep 13, 2024

Clear guidance and direction. Consistent communication.

NL

Nancy L.

5.0

Saint Paul, MN

Sep 13, 2024

He was great to work with and sent updated that were helpful

LE

Lynnette E.

5.0

Paynesville, MN

Sep 7, 2024

Joe was available when I needed him. I didn't have to wait 1-2 business days to hear back. He is also physically available to help out where needed also. That's a huge reason for working with him. Joe helped me overcome the hiccups throughout the process so our family could move as smoothly as possible, and that's a big deal with little ones. Working with Joe, I knew he would take care of us and make it happen.

KD

Kaylin D.

5.0

Monticello, MN

Aug 28, 2024

My husband and I are first time home buyers/owners, and the experience we had was better than we could have imagined! We felt supported and understood through the whole process. Joe was great will supplying us with scenarios and examples of each house we were looking at. We really appreciated the time and effort everything put in for us.

LD

Luke D.

5.0

Monticello, MN

Aug 8, 2024

Joe was great at getting things rolling and letting us know what our options were.

MF

Molly F.

5.0

Roseville, MN

Jul 26, 2024

Good advice, answered all of of questions, fast responses

LG

Leslie G.

5.0

Roseville, MN

Jul 18, 2024

Joe is all over getting things done for his clients. I never worry about a client who has a loan file with Joe. He’s the best!

RR

Richard R.

5.0

Roseville, MN

Jul 8, 2024

Joe was great to work with and I think he had our best interest in mind as we worked through our financing.

AL

Anthony L.

5.0

Minneapolis, MN

Jun 18, 2024

Clear and helpful communication right from the start.

RG

Ronya G.

5.0

Northfield, MN

May 24, 2024

Joe always took the time to thoroughly explain things to me. He even took a call with my dad and I to explain things to give my dad comfort in my decisions as well. He was a huge help. Thank you Joe!

C

Cris Young .

5.0

Jun 25, 2024

Joe is very knowledgeable about mortgage options. He is a trusted adviser and strategist.

GL

Gretchen L.

5.0

Hugo, MN

May 3, 2024

Joe and his team were very communicative throughout the process. They were responsive when I had questions as well. Very smooth transaction!

ST

Susan T.

5.0

Hugo, MN

May 2, 2024

Joe was very responsive to my questions and responded in simple easily understandable terms. I felt supported throughout the process.

CY

Cris Y.

5.0

Hugo, MN

May 2, 2024

Joe is diligent in his efforts. I trust him

M

Matthew Noyes .

5.0

Jun 25, 2024

I've worked with Joe on multiple home purchases and I can't recommend him enough. When a family member wanted to buy a home, I pointed her to Joe. After meeting with other brokers, she got in touch with Joe and his team. She told me after that "Joe makes those other guys look like amateurs!" When I work with Joe, I know he has my best interests at heart. He's communicative, answers my questions in plain English, provides realistic estimates so I'm never surprised, and provides me with the information I need to make a decision. Joe and his team along with the Diffley Team are the only ones I trust with my home buying, selling, and refinancing.

NM

Niki M.

5.0

Apr 29, 2024

Joe and his team were the lenders for buyers of our listing in Eden Prairie. They did a great job of keeping us updated on the process and we closed on time! Thx Joe and team!

LB

Lauren B.

5.0

Eden Prairie, MN

Apr 29, 2024

He’s very communicative and a wealth of reliable knowledge.

M

Matthew Noyes .

5.0

Jun 25, 2024

A great home buying experience from start to finish. Clear, consistent, and timely communication makes the process go smoothly.

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."

4.96 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