For Minnesota real estate agents
A lender partner who picks up, and keeps your deal alive.
I'm Nathan Ta, The Loan Ranger, an independent mortgage broker with Edge Home Finance in Minnetonka, Minnesota (NMLS #2458897). Agents send me buyers for three reasons. I answer on nights and weekends, I keep them posted without being asked, and I have a lot more than one lender's menu to work with.
- Same-day pre-approval letters
- Weekly file updates
- Quick closes when the deal needs one
- DSCR, bank statement, 1099
What you can count on
Five things, every file.
- Same-day pre-approval letters, evenings and weekends included, so the offer goes in tonight and not Monday.
- A weekly update on every file, and a straight answer the moment something changes.
- One person to call. You get my cell, and I'm the one who knows the file.
- More ways to get to yes. Dozens of wholesale lenders, including the investor and self-employed programs most banks don't offer.
- Credit where it's due. When we close, I thank the agent publicly by name. Client details stay private unless they choose to share. And every closing gets a celebration your buyer will post about.
Stronger offers
Three ways I can help your buyer's offer win.
A letter written for this offer
Send me the address and the number. The letter matches the offer, so the listing agent never sees your buyer's ceiling.
A lender the listing agent can reach
Put my cell on the offer. If the listing agent wants to hear how solid the file is, I pick up, including Saturday night.
A short closing window, when it's real
I can move quicker than the usual 30 to 45 days when a deal needs it. I'll tell you what's realistic for each file before you write the date into the offer.
Files I take
Send me the ones a bank would pass on.
- Investors
- DSCR loans that qualify on the property's rent, with no tax returns. Duplexes, fourplexes and short-term rentals. How DSCR works
- Self-employed and 1099 buyers
- Bank statement and 1099 income loans for buyers whose tax returns don't show what they really earn.
- First-time buyers
- FHA, low-down-payment conventional and Minnesota down payment assistance, explained patiently. Minnesota programs
- Credit challenges
- One family came in unsure homeownership was possible and left with $32,000 in forgivable assistance. Their story
- Higher price points
- Jumbo, bridge and construction loans for move-up and lake-area buyers.
- Deals in trouble
- If another lender fails your buyer late, call me before you call the listing agent. What I do in the first 24 hours
From the other side of the table
What do the people who close deals with me say?
“I have never met anyone with a can-do, nothing is going to stop me attitude than I have with Nathan. … Nathan is a thinking outside the box creative genius.”
Tera L., title company · Google review, 2024
“Nathan's attention to detail and speedy response to items needed made for a smooth transaction that took only 7 days from submission to clear to close!”
Matt S., account executive at a wholesale lender · Google review, May 2026
And from the buyers you send
What do buyers say about speed and reachability?
The two things an agent needs from a lender, in the clients’ own words.
On speed
Seriously, Nathan practically got my wife and I a pre-approval/pre-approval letter within 1-Day, who knew that was even possible.G. N.
His knowledge, professionalism, and dedication made all the difference, and thanks to his hard work, we were able to close and move into our new home in just two weeks.Tommy X.
He got us to the closing table in just over two weeks, even with everything going on.Monica W.
On picking up the phone
I was surprised how he picked up at odd hours, even on the weekends.Alisha T.
He answered all my questions late at night and was always available and kind.Ryan L.
He was always available too, especially on weekends and late nights!Monica W.
Agents ask
Quick answers for agents
How fast can you turn around a pre-approval letter?
Usually the same day, evenings and weekends included, once the buyer's documents are in. If I already have the file, a letter written to a specific offer takes minutes. Text me the address and the number.
What happens if my buyer's loan is denied a week before closing?
Call me the same day. I check the file against dozens of wholesale lenders, and a denial that was one lender's overlay can often close with another. Many rescues close within about a week of the original date; the three-business-day Closing Disclosure wait is the one step nobody can skip.
Do you take investor and self-employed buyers?
Yes, regularly. DSCR loans qualify a rental on its rent with no tax returns. Bank statement and 1099 loans qualify self-employed buyers on deposits instead of returns. Most banks don't offer these, which is why agents send those buyers to me.
How do you keep me updated?
A weekly update on every file, and a call or text the moment something changes. You get my cell, and I'm the one who knows the file from pre-approval to funding.
Try me on one file
Text me a scenario. I'll tell you what I can do with it.
No pitch and no pressure. If I can't beat what your buyer already has, I'll say so.
- Phone & text
- (952) 393-6551
- Office
- Edge Home Finance, LLC
5860 Baker Road, Minnetonka, MN 55345 - License
- NMLS #2458897 · MN, WI, ND, CA, GA