Ky Kelvie
Loan Officer | NMLS# 2840151
How can I help you?
No SSN required. Zero impact to credit. Your information is never sold.
Helpful mortgage tools and resources
Start with real numbers. These free tools help you understand what's actually possible. No jargon, no pressure, no commitment.
Get Your FREE Pre-Approval Letter
Becoming a homeowner starts with finding the best loan for your unique situation, and we're here to help you make that choice.
Analyze your refinance option
Let us help crunch the numbers for you. Find out exactly how much you can save by refinancing and whether it's the right time for you.
Compare Today's Mortgage Rates
As a broker, Edge shops your scenario across multiple wholesale lenders, so the rate comparison is built into how we work.
Tap into your home's equity with a HELOC
A home equity line of credit lets you borrow against the value you've built without touching the mortgage you already have. Use it when you need it, pay interest only on what you use.
Your current mortgage stays exactly as it is.
Keep your current mortgage
A HELOC sits alongside the loan you already have. Your existing rate and payment don't change.
Borrow as you go
It's a line of credit, not a lump sum. Draw what you need, when you need it, and pay interest only on what you use.
Fund what matters
Renovations, consolidating higher-interest debt, education, or a safety net. You decide what your equity works on.
Ky Kelvie
helps first-time homebuyers, especially his own generation, understand the mortgage process so they can buy with confidence, not pressure.
A student-athlete at Gustavus Adolphus College, Ky brings the same discipline to helping clients as he does to football. His goal isn't to push a sale. It's to educate, simplify the process, and make sure you feel comfortable every step of the way. Read Ky's full story →
If you don't understand it, Ky hasn't explained it well enough.
You text, he texts back. You call, he picks up. That simple.
Ky NMLS# 2840151 · Edge Home Finance NMLS #891464
Ky's job is to help you understand the numbers, not push a sale.
No commitment. Just answers.
Four steps. Zero confusion.
Here's exactly what happens when you reach out. No mystery, no surprises, no scary paperwork dumps.
Quick conversation
Reach out with a form or a call. Takes about two minutes. Ky learns the basics of what you're looking for.
Real numbers
Get a personalized quote based on your actual scenario, not a teaser rate that changes later.
Compare together
Ky walks you through your options side by side, in plain English, until it actually makes sense.
Move forward with confidence
Choose the option that fits your budget and timeline. No pressure, no rushed decisions.
No credit pull. No obligation.
Popular home loan products
Take a look at the loan programs Ky works with most. Not sure which fits? That is exactly what he is here for.
Looking to buy a home with less than 20% down?
Low down payment options, including FHA, VA, and down payment assistance, may get you into a home sooner than you think.
Refinance to get the cash you need, when you need it
Put your home's equity to work: consolidate debt, fund a project, or restructure your loan around today's goals.
Good questions deserve straight answers.
Here are the questions Minnesota buyers ask most. Have one that's not here? Just reach out.
Will getting a rate quote hurt my credit score?
No. The initial quote uses a soft credit check, which has zero impact on your score. A hard pull only happens later if you decide to officially move forward, and Ky will walk you through it before it happens.
What's the advantage of working with a broker instead of a bank?
A bank can only offer you its own products and pricing. As a broker, Edge Home Finance shops your scenario across multiple wholesale lenders and lets them compete for your loan. Same application, more options, and pricing that reflects the whole market instead of one institution's rate sheet.
How much do I need for a down payment in Minnesota?
Often less than you think. Depending on the program, you may qualify for as little as 3% down on conventional, 3.5% on FHA, or 0% down on VA and USDA loans. Minnesota also has down payment assistance programs for eligible buyers. Ask Ky whether you qualify.
What's the difference between pre-qualified and pre-approved?
Pre-qualification is a quick estimate based on what you share, which is useful for a ballpark. Pre-approval is the real deal: income, assets, and credit verified, with a letter sellers take seriously. If you're actively house-hunting, you want pre-approval.
I'm not sure I'm ready to buy yet. Is it too early to talk?
It's never too early. Reaching out 6-12 months before you plan to buy gives you time to map out what you'd qualify for today and what to focus on to be in a stronger position when it counts. No pressure to do anything.
Does refinancing actually make sense for me right now?
Maybe, maybe not, and you'll get an honest answer. Ky runs the breakeven math: how long it takes your monthly savings to outpace the closing costs. If refinancing doesn't genuinely save you money, he'll tell you to keep the loan you have.
Get started with a custom mortgage rate quote today.
Whether you're buying, refinancing, or just curious, let's see what the numbers actually look like for you. Your time & money matter. Let's not waste either.
Quick • No credit pull • Just real numbers