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

Why Consistent Follow-Up Over Two Years Closed a Deal Most Loan Officers Would Have Given Up On

Why Consistent Follow-Up Over Two Years Closed a Deal Most Loan Officers Would Have Given Up On

May 13, 20263 min read

Why Consistent Follow-Up Over Two Years Closed a Deal Most Loan Officers Would Have Given Up On

The Follow-Up Story That Surprises Everyone Who Hears It

Most loan officers would have stopped calling after a few months of silence. No response, no callback, no engagement. At some point the conclusion seems obvious. This person is not interested. Move on.

But here is what happens when you do not move on.

The System Behind the Persistence

The follow-up process that Alex Mysinek uses starts with twelve structured touchpoints. Calls, text messages, and emails that create consistent contact in the early stages of a relationship and make it easy for the prospect to reach back when the timing is right for them.

After those initial twelve touchpoints the system does not stop. It creates a task every three days to make a call. Check in. Remind them who you are. Let them know you are available if they have questions or need anything. Keep the door open without pressure.

That cadence continued for almost two and a half years with one particular prospect. Seventy calls across that timeline without a meaningful response. Not because the prospect was hostile or uninterested in ever buying a home. Because the timing was not right yet.

What Happened on the Other End of That Call

Then one day the phone rang. The prospect called back ready to buy a home, get pre-approved, and move forward. The deal closed.

When Alex Mysinek shares this story with others in the industry the reaction is almost always the same. Those people actually bought a house? The assumption most loan officers operate under is that silence means no and that no means stop calling. The follow-up that feels like persistence from the loan officer's side feels like availability from the prospect's side. When they are ready the person who stayed in touch is the person they call.

Why Most People Stop Too Early

The mortgage business runs on timing and timing is almost entirely outside the control of the loan officer. A prospect who is not ready to buy today may be ready in six months, eighteen months, or two years. There is no reliable way to know when that moment will arrive. What is reliable is that when it does arrive the loan officer who stayed consistently present is in a dramatically better position than the one who stopped calling after the third unanswered message.

The conventional wisdom in sales is to qualify quickly and move on from people who do not engage. In mortgage lending that wisdom misses the fundamental reality of how people make major financial decisions. They do it on their own timeline not on the timeline of the person selling to them.

The Rule That Keeps the Door Open

The approach Alex Mysinek describes has a simple underlying principle. Keep following up until the person explicitly tells you to stop. Not implied disinterest through silence. An explicit request to stop reaching out.

Even then the door is left open. A simple acknowledgment that you will respect their request and a genuine invitation to reach out if anything changes. Because you never know.

The persistence that other loan officers see as a waste of time is what builds a pipeline that converts months and years into the future. The deals that seem impossible to predict are often the result of consistency that started long before anyone was paying attention.

Alex Mysinek works with buyers when they are ready and stays in touch until that moment arrives. Reach out to Alex Mysinek to start the conversation whenever the timing is right for you.


Sources

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

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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
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Sep 2055
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$179,673.77
Total Interest Paid
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Aug 2051
Pay-off Date
$151,482.12
Total Interest Paid
Total Interest Savings: $28,191.64
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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