Expertise
First-time homebuyers
A guided first purchase, from pre-approval to keys.
Financing, with Joie
The right loan, not just a loan.
Every strong offer starts with strong financing. Joie's preferred lender is Mona Edick of PRMG — 25 years of helping Minnesota families finance homes responsibly, available seven days a week.
Preferred lenderMona Edick · PRMGprmg.net monaedick.com
Talk before you shop.
A conversation with Mona before you tour homes tells you exactly what you can spend — and makes your offer stronger when you find the one.
Get pre-approved.
Start your application online in minutes, or call Mona directly. She works beyond banker’s hours — seven days a week, evenings included.
Match the loan to your life.
First-time buyer, VA or USDA eligible, investing, or buying above conforming limits — the loan is chosen around your situation, not the other way around.
Close with confidence.
Joie and Mona work the same file together, so financing and the purchase stay in step from offer to closing day.
Preferred lender
Mona Edick.
Twenty-five years in the mortgage industry, personally assisting thousands of families with responsible, affordable home financing. Her mission: not just to secure a loan, but to secure the right loan.
25 years in mortgagesLicensed MN · WI · FLAvailable 7 days a weekEvenings included
Expertise
Government lending
FHA, VA and USDA loans — lower down payments and flexible credit requirements.
Expertise
Investment property
Financing for rentals and additional properties.
Expertise
Jumbo loans
Loans above standard conforming limits for higher-priced homes.
Expertise
Refinancing
Restructuring an existing mortgage to fit where you are now.
Complicated income? Non-QM.
- Bank statement loansQualify self-employed borrowers and business owners with 12–24 months of bank statements instead of tax returns.
- Asset depletionTurns verified liquid wealth into qualifying income for high-net-worth buyers with lower taxable income.
- No-ratio loansNo income or employment documentation required — for recent business sellers and high-asset buyers.
- DSCR investor loansQualifies on the rental property’s cash flow, not the borrower’s personal income.
One-time close construction-to-permanent loans: custom builds and spec homes financed from groundbreaking to move-in day.
LEVEL 310 buyers: the 1% credit.
Through Joie’s LEVEL 310 partnership, Mona offers an exclusive 1% lender credit, funded by PRMG. Each buyer chooses how it works: toward closing costs or toward buying the interest rate down.
Loan types
- Government backedFHA, VA and USDA loans insured by the federal government, with lower credit score and down payment requirements.
- ConventionalLoans not backed by the government, typically with stricter credit and income criteria and competitive rates.
- Non-qualifiedOptions for borrowers with unique financial situations that fall outside standard criteria.
- Non-conformingLoans that exceed standard loan limits, including jumbo financing.
Working with Mona
Mona commits to exceeding expectations in communication and availability — she works beyond typical banker’s hours, seven days a week including evenings, because your goals are the priority.
The details
Area Manager, Paramount Residential Mortgage Group (PRMG). NMLS #452504. Licensed in MN, WI and FL. Office: 20980 Rogers Drive, Suite 400, Rogers, MN 55374.
Your choice
Mona is Joie’s preferred lender, not a requirement. You are always free to work with any lender — and Joie will coordinate with whoever you choose.
Recognition
- Top 1% Mortgage Originator in America — 8 years in a row
- Scotsman Guide Top Originator — 8 consecutive years
- Minnesota Housing Top Loan Officer
Everything above is quoted from https://www.prmg.net/loanofficer/mona-edick/ as checked on October 15, 2026, and from Mona Edick’s own Level 310 partnership proposal (October 16, 2026) and PRMG’s Non-QM program summary (October 2026). Loan programs, rates and approvals are determined by PRMG. Mona Edick, NMLS #452504; PRMG NMLS #75243.
Ready when you are.
One conversation. No pressure. A clear next step.