About Nathan
Who is Nathan Ta, The Loan Ranger?
Nathan Ta, The Loan Ranger, is an independent mortgage broker with Edge Home Finance, LLC (NMLS #2458897) at 5860 Baker Road in Minnetonka, Minnesota. He lives in Apple Valley and serves the Twin Cities and all of Minnesota. He is also licensed in Wisconsin, North Dakota, California and Georgia. A former elementary school teacher, he shops each loan across dozens of wholesale lenders. He works with first-time buyers, real estate investors and self-employed borrowers, and he takes the files other lenders gave up on. He holds a 5.0 rating on Google.
That's the official version. The rest of this page is the real one: a teacher who still teaches, just with mortgages now, and a closing day that looks like a party.
- NMLS #2458897
- Edge Home Finance, LLC
- Licensed in MN, WI, ND, CA and GA
- 5.0 on Google
- Mon–Sat, 9 AM–11 PM
Nathan Ta · Updated November 2026
From the classroom
Why did a teacher become a mortgage broker?
I taught elementary school before I did this, and the best part was never the lesson plan. It was building a relationship with a student and watching something finally click for them.
A mortgage works the same way. Most people have never done this before, and nobody explains it to them. So I walk you through it one step at a time, in plain English. You can ask me the same question as many times as you need to. By closing day you'll understand your own loan better than most people ever do.
I kept this card from a parent. It still says exactly what I'm trying to be for the families I work with now.
“As a former elementary school teacher, he knows how to teach people who are new to the world of mortgages and home loans. Nathan is very personable and friendly and was really easy to get along with.”
Luke K.First home · Google review, 2025
A parent's note, from my teaching days
“You are truly an amazing teacher! There is no doubt in my mind that you have left a life-long impression on Maddie. Everything you have taught Maddie and the way in which you teach goes so above and beyond anything we could have asked for!”
How I work
What is it like to work with Nathan Ta?
You text me what you're trying to do. I show you your options in writing, with the trade-offs said plainly, and you get a realistic closing date on day one. When you're ready, we get you pre-approved. I answer the phone myself, evenings and weekends included, and I come to the closing when I can be in the room.
- Affordability
- A broker's low overhead, passed on in the pricing. If you already have a quote, send it over and I'll give you a second opinion the same day.
- Service
- You get me on the phone, not a call center, from the first text to closing day.
- Speed
- I can move quicker than the usual 30 to 45 days. You get a realistic date on day one.
- Education
- Every term broken down until it makes sense. You'll understand your own loan.
What I believe
What does faith have to do with a mortgage?
Everything, for me. My faith is the foundation of how I do business. I answer the phone, I tell you the truth even when it isn't what you hoped, and everyone who calls gets the same care.
“The Lord is my shepherd; I shall not want.” Psalm 23
Closing day
What is closing day like with the Loan Ranger?
Closing day is a party. Buying a home is one of the biggest days of your life, and it should feel like one. Everybody gets a cowboy hat. We take the picture with the sign. Sometimes there's confetti. Then we go eat.
“The closing day was something I’ll never forget—especially with his signature cowboy hat, which made it feel personal and unique. Afterward, he even treated me to dinner to celebrate, which was such a thoughtful touch.”
Taylor B.First-time buyer · Google review, 2025
And once you have the keys, I stay in your corner. I want to be the person you call about a house or a loan for the rest of your life. What happens after the closing.
Quick facts
Quick facts about Nathan Ta
The questions people ask before they text. Tap one to open it.
Is Nathan Ta a mortgage broker or a lender?
Nathan Ta is a mortgage broker, not a lender. I'm an independent mortgage broker with Edge Home Finance, LLC (NMLS #2458897). A lender funds loans from its own menu. I shop your file across dozens of wholesale lenders. I place it with the one whose pricing and guidelines fit. You deal with me from the first text to closing day.
Is Nathan Ta licensed?
Nathan Ta is a licensed mortgage loan originator, NMLS #2458897, licensed in Minnesota, Wisconsin, North Dakota, California and Georgia. You can look me up on NMLS Consumer Access, which shows every state I'm licensed in and my employer. The Minnesota Department of Commerce lists me too. Edge Home Finance, LLC is company NMLS #891464.
Who does Nathan Ta work for?
Nathan Ta works with Edge Home Finance, LLC, an independent mortgage brokerage at 5860 Baker Road, Minnetonka, MN 55345 (company NMLS #891464). Edge isn't a bank. It gives me access to dozens of wholesale lenders, and it means I work for you, not for one bank's product list. When one lender says no, I have dozens more to ask.
What areas does Nathan Ta serve?
Nathan Ta serves the Twin Cities and all of Minnesota, and he is also licensed in Wisconsin, North Dakota, California and Georgia. My office is at 5860 Baker Road in Minnetonka, and I live in Apple Valley. The west metro and the south metro are both home turf. That means Lake Minnetonka, Eden Prairie, Plymouth, Edina, Minneapolis, St. Paul, Eagan, Lakeville, Burnsville, Prior Lake, Shakopee and everywhere in between. More about the office and the areas I serve.
What kinds of loans does Nathan Ta do?
Nathan Ta arranges conventional, FHA, VA, USDA and jumbo loans, plus refinances. He also places DSCR loans for rental investors, bank statement and 1099 loans for the self-employed, and construction and bridge loans. Conventional is usually where I start for buyers with solid credit. FHA is for smaller down payments, and VA for anyone who has served. DSCR and bank statement loans are the ones most banks don't offer, and I place them regularly. And I take on files that fell apart with another lender close to closing. The loan guide explains each one.
How do I contact Nathan Ta?
Nathan Ta answers his own phone. Text or call (952) 393-6551, Monday to Saturday, 9 AM to 11 PM, or email nathan.ta@edgehomefinance.com. Evenings and weekends included, and you'll get me, not a call center.
Where can I read Nathan Ta's reviews?
Nathan Ta holds a 5.0 rating on Google and verified reviews on Experience.com. Every review is public, and most come with a photo from closing day. Read them on Google, on Experience.com, or here with the photos.
Let's talk
Text me what you're trying to do. I'll take it from there.
No pressure, no pitch. Just a straight answer, evenings and weekends included.
Keep reading
Fine print. Client quotes are exact excerpts from public Google reviews; each is one client's experience. The handwritten card is from a parent during Nathan's teaching years. Nathan Ta, NMLS #2458897, Edge Home Finance, LLC, NMLS #891464, 5860 Baker Road, Minnetonka, MN 55345. Not a commitment to lend.