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

Worship Pastor and Real Estate Agent: Alex Mysinek Talks Minnesota Market and Marketing With Drew Robinson

Worship Pastor and Real Estate Agent: Alex Mysinek Talks Minnesota Market and Marketing With Drew Robinson

September 04, 20267 min read


The Career That Started With a Bad Real Estate Experience and a Wife Who Said You Can Do This Better

Alex Mysinek sat down with Drew Robinson of Worth Clark Realty for a conversation about what happens when a music marketing background and a ministry career collide with real estate. Drew works full time as a worship pastor at a local church while simultaneously running a real estate practice. Both are genuinely full-time commitments and the combination produces a professional who is unusually good at marketing, relationship building, and educating clients through one of the most complex processes most people ever navigate.

Drew got into real estate the way many agents do. A personal experience that was not good. He and his wife went through a home purchase and sale that left them feeling uninformed and unsupported at every step. His wife looked at him and said she thought he could do it better. He agreed and decided to find out.

The core motivation has not changed since day one. He got into real estate because he wanted to help people understand what they were signing and what was actually happening at each stage of the process. Educated clients come back. Confused clients do not.

What Music Marketing Taught Drew About Selling Homes

For years Drew has been on the music marketing side of his church's ministry team. They create original content and his job is to get it in front of the right people through the right channels at the right time. Cold calling radio stations. Cold calling promoters. Managing multiple social media channels simultaneously. Rolling out new plans as the industry shifts. Knowing when to push and when to pull back.

Every one of those skills transfers directly to listing a home. Great photos and video. Knowing which channels reach which buyers. Understanding timing. Recognizing when the current approach is not working and having the flexibility to change it rather than doing the same thing over and over hoping for a different result.

He also specifically mentioned Gen Z as an underserved buyer population that most agents are not targeting effectively. A subset of buyers is entering the market and the agents who figure out how to reach them early will build relationships that compound over years.

His philosophy on marketing himself is equally clear. He does not want to be the look at me superstar agent. He wants his results to do the talking. If he takes care of his clients the business takes care of itself.

What Most Agents Get Wrong When Listing a Home

The answer Drew gives is deceptively simple. Photos. The most elementary failure in home marketing is putting a listing on the market with photos that look like the photographer was not expected and the house was not prepared. Cluttered rooms. Poor lighting. Disorganized spaces. Photos that make buyers wonder why they would spend time scheduling a showing.

Drew goes further than most agents in solving this problem. He describes himself as the guy who gets things done and means it literally. He will go patch and paint a home if that is what it takes to get it ready for photography. If the sellers are out of town or overwhelmed by the process he will show up and handle what needs to be handled rather than dumping a list of tasks on clients who are already stressed.

The listing process is a partnership. His job is to resource his clients and when necessary to roll up his sleeves alongside them. That approach shows up in his reviews and it shows up in his results.

The Contingent Offer That Everyone Said Would Not Work

Drew shared a story that illustrates exactly what the getting things done reputation is built on.

His clients fell in love with a property. Multiple offers on the table. His clients needed to sell their existing home first. The conventional wisdom in a competitive market is that a contingent offer has almost no chance. Drew called the listing agent directly and asked for forty-eight hours.

That phone call was the pivot point. The listing agent was old school and appreciated being called rather than emailed. Drew talked about his clients, their situation, and why they deserved a chance. The agent was receptive. He gave them the weekend.

Drew went back to his clients' home, got it ready in two days, marketed it aggressively, held open houses, and sold it. The contingent offer closed. His clients got the home they wanted. He still drives by it sometimes and smiles when he sees what they have done with the place including a barn they converted into a studio space.

That is the story behind the reputation.

The Minnesota Market Right Now

Drew's read on the current Minnesota market is that it is more balanced than most sellers realize and more favorable for buyers than most buyers believe.

He is regularly getting buyers into homes under list price with full inspections, contingencies, and seller concessions included. Sellers who still expect to receive multiple offers within twelve hours of listing are operating on expectations built during a market that no longer exists in most price ranges.

The comparison he and Alex walked through is worth repeating. A buyer who paid ninety thousand over asking in 2022 with a five percent rate gave up inspection rights, competed against dozens of offers, and potentially ended up upside down when prices softened and rates climbed. A buyer today who gets under asking, keeps inspection contingencies, and receives seller paid closing costs at a six and a half percent rate is often in a materially better financial position when the full picture is evaluated. The rate is higher. The price, the terms, and the negotiating leverage are significantly better.

As Drew noted the oldest principle in real estate investment applies directly. Money is made at the buy. Getting in at a better price with better terms matters more than the rate headline suggests when you account for the full transaction.

What Drew Needs From a Lending Partner

Trust is the foundation and Drew is direct about what that means in practice. He vets the professionals in his sphere diligently because his reputation is attached to every referral he makes. The lender he recommends reflects on him with every client interaction.

He is looking for someone who will follow through in a timely way, educate his clients through the process, and know when to move quickly and when to let the client set the pace. If he would call someone himself in a moment of need that person meets the standard. If not it is not going to work regardless of rates or fees.

Communication is equally important on Alex's side. He noted that he will not start a referral relationship with any agent either. The trust has to be mutual and the communication has to be consistent for the partnership to serve both parties' clients at the level they deserve.

How Drew Builds His Business

Ninety percent referrals. The pay-at-close lead services he has tried produce one good client out of roughly ten inquiries. The rest are people looking for information rather than ready to transact. Drew treats those as slow burn relationships worth nurturing rather than leads to close immediately. The follow up is where the future business lives.

His sphere is broad by necessity. Years working across nonprofit, live production, video production, and music marketing have produced a wide network of contacts who know him and trust his work. That network is the foundation the referral business is built on.

Red Cow, a Good Burger, and a Walk to Coffee

Drew would go to Red Cow for dinner. Great burgers, great fries, a good bar, and if you pick the right location you can walk to a coffee shop for decaf afterward. He is the second guest on the podcast to name Red Cow which Alex noted with some amusement.

How to Reach Drew Robinson

Email [email protected], call or text 612-380-4414, or visit DrewRobinsonRealEstate.com. He is also on LinkedIn. He specializes in working with first-time home buyers and loves the education-forward conversations that help people understand exactly what they are stepping into.

Alex Mysinek works with buyers across Minnesota on conventional financing, down payment assistance programs, and creative loan structuring for borrowers whose situations need a closer look. Reach out to Alex Mysinek to connect on the lending side of any transaction.


Sources

MinneapolisAssociationofRealtors.com
NAR.realtor
MortgageNewsDaily.com
ConsumerFinancialProtectionBureau.gov
Investopedia.com

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Down Payment:
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(952) 406-1046

250 Southdale Ctr Edina, Minnesota 55435

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