Your Local Mortgage Lender

Located in Edina, Minnesota

Personalized Mortgage Experience

Alex Mysinek offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.

With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.

Let us help you achieve your homeownership dreams!

The Home Loan Process

Mortgage Pre-Approval

Get pre-approved from one of our Loan Officers to see how much you can afford.

House Shopping

Work with a trusted Real Estate Agent to find a home you would like to move into.

Loan Application

Complete your home loan application to get the lending process started.

Don't take my word for it

Mortgage Programs

Experience the best mortgage experience located in Edina, Minnesota.

Home Loan Options

Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.

Conventional Home Loans.

FHA Home Loans.

USDA Home Loans.

VA Home Loans.

Frequently Asked Questions

How often can I refinance my mortgage?

There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.

Can I buy a home if I do not have money for a down payment?

Yes! There are a number of bond programs that offer low or no down payment financing options.

How do I know which mortgage is right for me?

The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.

How long will the loan process take?

The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.

Will I qualify for a home loan?

The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.

Why do people refinance their mortgages?

Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.

How much money will I have to pay upfront to buy a home?

This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.

Can I get a mortgage after bankruptcy?

You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.

Should I lock my interest rate now, or wait until we are closer to our closing?

Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.

Most Recent Blog Updates

How Time Blocking by Theme Instead of Task Is Making This Loan Officer More Productive Every Day

How Time Blocking by Theme Instead of Task Is Making This Loan Officer More Productive Every Day

May 15, 20263 min read

How Time Blocking by Theme Instead of Task Is Making This Loan Officer More Productive Every Day

A Different Way of Thinking About Time Blocking

Most people who try time blocking approach it the same way. They schedule specific tasks into specific slots and hope the day cooperates. The problem is that the day rarely cooperates and when one thing shifts the whole structure falls apart.

The approach Alex Mysinek uses is different in a way that makes it more durable. Instead of blocking time for specific tasks he blocks time for themes. The distinction sounds small but it changes how the day actually runs in practice.

What Theme-Based Time Blocking Actually Looks Like

The day starts with open work for the mortgage business. Then a focused sprint through email and the CRM. Then dedicated time for outbound outreach related to a separate business focus. Everything in the morning has a theme that guides what gets worked on and the goal is to have all of that completed before noon.

After noon the day opens up entirely for meetings. That is the only time meetings get scheduled. Not because mornings are sacred for their own sake but because separating the deep work from the meeting time creates a structure where both can actually happen well rather than constantly interrupting each other.

Why the Morning Versus Afternoon Split Works

The logic behind keeping meetings to the afternoon is straightforward. Deep work requires sustained focus and sustained focus requires time that does not get fragmented by calendar commitments that pull attention in different directions. When meetings are scattered throughout the day the windows between them are often too short for meaningful progress on anything that requires concentration.

By protecting the morning for theme-based focused work and keeping meetings consolidated in the afternoon the productive output of both improves. The morning work gets done without interruption. The afternoon meetings get full attention without the distraction of unfinished morning tasks hanging over them.

The Real-World Challenge for Client-Facing Professionals

As Alex Mysinek acknowledges the time blocking structure is more flexible to maintain for a loan officer than for a real estate agent who has clients wanting to see properties at any hour. When a buyer wants to tour a home in the morning the agent cannot always say no. That is a real constraint that does not have a perfect solution.

The honest answer for professionals in that situation is that the structure helps even when it cannot be followed perfectly. Having a default framework means the day has a shape to return to after the interruption rather than drifting completely once the first unexpected thing changes the plan. The goal is not perfect adherence. It is having a system that creates more productive days on average than no system at all.

For loan officers and other professionals with more control over their scheduling the morning focused work and afternoon meetings split is a reliable structure that consistently produces better output than a fully open calendar where everything competes for time simultaneously.

Building a System That Works for Your Business

The right daily structure is not the same for every professional but the underlying principle of protecting focused work time and batching similar activities together applies broadly. Knowing when your best thinking happens, what your clients actually need from you in terms of availability, and how to create enough structure to be productive without so much rigidity that one unexpected thing derails the whole day is the balance worth finding.

Alex Mysinek brings that same thoughtful and organized approach to every client relationship. Reach out to Alex Mysinek to work with a loan officer who takes the details seriously from the first conversation through closing.


Sources

HousingWire.com NationalMortgageProfessional.com MortgageNewsDaily.com Entrepreneur.com Forbes.com

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Mortgage Calculator

See your total mortgage payments using the tool below.

16.67
%
%
years
$/year
%
$/year
$1,685.20
Your estimated monthly payment with PMI.
PMI:
$208.33
Monthly Tax Paid:
$200.00
Monthly Home Insurance:
$83.33
PMI End Date:
Dec 2027
Total PMI Payments:
27
Monthly Payment after PMI:
$1,476.87
🏠Mortgage Details
Loan Amount:
$250,000.00
Down Payment:
$50,000.00 (16.67%)
Total Interest Paid:
$179,673.77
Total PMI to :
$5,416.67
Total Tax Paid:
$72,000.00
Total Home Insurance:
$30,000.00
Total of 360 Payments:
$537,298.77
Loan pay-off date:
Sep 2055
⚖️Monthly Vs Bi-Weekly Payment
$1,476.87
Monthly Payment
Sep 2055
Pay-off Date
$179,673.77
Total Interest Paid
$738.44
Bi-weekly Payment
Aug 2051
Pay-off Date
$151,482.12
Total Interest Paid
Total Interest Savings: $28,191.64
Yearly Amortization Schedule
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Contact Us

(952) 406-1046

250 Southdale Ctr Edina, Minnesota 55435

Copyright 2026. All rights reserved. Alex Mysinek #2051280 | MLD Mortgage Inc. dba The Money Store, NMLS ID # 1019 | Equal Housing Opportunity | Equal Housing Lender