About Thomas Johannsen – Mortgage Loan Officer

I’m Thomas Johannsen, a dedicated Mortgage Loan Officer with Edge Home Finance, proudly serving clients across Minnesota, Wisconsin, and beyond. As an independent mortgage broker, I have access to over 150 lenders nationwide, which means I’m not limited to a single bank’s programs. Instead, I can match you with the most competitive rates and best mortgage options available.

Buying a home, refinancing, or investing in real estate is one of the biggest financial decisions you’ll ever make. My role is to make that process clear, efficient, and stress-free. With a background in sales, marketing, and finance, I combine data-driven insights with a personal, values-based approach to ensure every client feels supported from application to closing.

My Approach

Here’s what sets me apart:

• Personalized service: I take the time to learn about your financial goals and long-term plans so I can guide you toward the right loan.

• Options and flexibility: As a mortgage broker, I shop across multiple lenders to secure competitive rates and unique programs that fit your needs.

• Speed and communication: My team often gets files “clear to close” one to two weeks before the closing date, and we can close in as little as 14 days—giving you an edge in competitive markets.

• Problem-solving mindset: From self-employed borrowers to complex income or credit situations, I specialize in finding creative solutions when others might say no.

• Integrity and values: My faith and personal values guide me to serve clients with honesty, respect, and transparency.

Who I Help

I work with a wide variety of borrowers, including:

• First-time homebuyers who need education, guidance, and access to low down-payment programs or down-payment assistance.

• Move-up buyers who are selling a starter home and purchasing their dream home.

• Growing families who need more space, bigger yards, or homes in family-friendly neighborhoods.

• Downsizers & empty nesters looking for lower-maintenance living or retirement-friendly financing.

• Second-home buyers securing cabins, lake homes, vacation properties, or future retirement homes.

• Investors purchasing single-family rentals, duplexes, triplexes, fourplexes, or multi-unit properties.

• Self-employed borrowers who need bank-statement programs, profit-and-loss qualifying, or creative documentation options.

• High-net-worth clients utilizing asset-based lending, pledged asset loans, or portfolio mortgage products.

• Homeowners looking to refinance to lower their interest rate, shorten their loan term, or consolidate debt.

• Borrowers relocating for work who need fast closings and flexible options across multiple states.

• Clients using gifts of equity to purchase homes from family members.

• Borrowers in transition including divorce, inheritance, or estate-related property transfers.

• Veterans and active-duty military using VA loans with zero down and flexible guidelines.

• Rural homebuyers using USDA financing.

• Jumbo loan clients purchasing luxury homes that exceed conventional loan limits.

• Condo buyers including those purchasing non-warrantable condos.

• People with past credit challenges who need guidance on FHA programs or steps to improve eligibility.

• Clients looking to close quickly in competitive markets, often in 14 days or less.

Whether you need a conventional loan, FHA, VA, USDA, jumbo, or a specialty program, I’ll help you find the best mortgage option for your goals.

Local Expertise with a National Reach

Based in Minnesota, I know the challenges of buying a home in competitive markets, like the Twin Cities and surrounding communities—from navigating multiple offers to closing quickly. At Edge Home Finance, we combine local expertise with national reach, which means I can also help clients with relocations, investment properties, and second homes across many states.

A Bit More About Me

Outside of mortgage lending, I’m a husband, father, and community volunteer. My wife, Stacy, and I are raising our two kids here in Minnesota. Family is central to my life, and it inspires me to help other families achieve the dream of homeownership.

When I’m not helping clients, you’ll often find me in the garden, at local sporting events, volunteering, or connecting with other professionals through referral networks.

Why Work With Me

Working with a broker means having options flexibility and incredible buying power. My clients trust me not just because I secure great rates, but because I communicate clearly, respond quickly, and work tirelessly to get them to the finish line.

If you’re ready to buy your first home, refinance your current loan, or explore real estate investment opportunities, I’d be honored to be your trusted guide.