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Mortgages by Ellie

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Edina, MN
Mortgages by Ellie

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▪️ Financing your home made easy
▪️ Empowering you with clear, expert guidance
▪️ Guild Mortgage // NMLS #1849568
Equal Housing Lender

Ellie Breitbach, Loan Originator, NMLS #1849568

10/29/2026

A haunted house, but make it mortgage edition. 👻

Some of these are scarier than others.

But the one that actually gets me? Someone assuming they can’t buy a home without ever having the conversation.

Your situation might be more complicated than you expected. That doesn’t automatically mean it’s impossible.

Before you scare yourself out of buying, let me take a look.

10/27/2026

The house doesn’t reject you, but sometimes the file does.

I’ve seen buyers get discouraged because something comes up during the mortgage process and they immediately think, “I guess I can’t buy.”

But sometimes, it’s not that simple.

Maybe there’s a document we still need. Income needs a little more explanation. Something changed that we need to account for. Or maybe there’s a piece of the financial picture we need to look at differently.

That doesn’t automatically mean you can’t buy a home.

It means we need to understand what’s happening and figure out the next best step.

That’s a big part of my job that happens behind the scenes: looking at the full picture, asking questions early, and making sure your file is as prepared as possible before you’re under contract.

I’d much rather work through those things with you before you fall in love with a house.

Thinking about buying? Let’s talk early. Send me a DM anytime.

10/22/2026

There’s a lot of mortgage advice out there, and some of it is scarier than others.

The truth? What makes sense for one buyer might not make sense for you.

Your income, credit, budget, goals, and overall financial picture all matter.

Before you let something you heard online scare you out of buying a home, let’s talk about what actually applies to you.

10/15/2026

Gold stars all around. ⭐️

10/13/2026

Ready to talk about buying a home? You know who to call. 😉

10/08/2026

Two buyers can have the same down payment, similar credit and find homes around the same price… and have two completely different experiences getting to the closing table.

A lot of the time, it comes down to the little things.

Maybe there’s a large deposit in your account that needs to be explained. Maybe you changed jobs recently. Maybe we’re waiting on one document that seems insignificant but ends up holding everything else up.

None of these things automatically mean there’s a problem.

But they’re exactly why I spend so much time getting to know your financial picture and preparing your file before it ever gets to underwriting.

Because once your offer is accepted, the last thing I want is for you to be scrambling to answer questions we could have talked through ahead of time.

There’s a lot that happens behind the scenes between “offer accepted” and “clear to close.”

My job is to help make that part feel a whole lot less stressful.

Thinking about buying? Let’s talk before you find the house. Send me a DM anytime.

10/06/2026

Rates have ticked up a little, and I’m hearing some buyers say, “Maybe I should wait.”

Here’s a stat to put it in perspective:

On a $400K mortgage, a .25% increase in rate is roughly $65–$70/month in principal and interest.

But what if that slight rate increase cools competition enough for your buyer to negotiate $30K–$40K off the price of the home?

Would you rather save ~$70/month on the rate or $40,000 on the purchase price?

And remember: you can refinance the rate later. You can’t renegotiate the purchase price later.

This is the conversation I’d be having with buyers right now. A little rate volatility can create opportunity when everyone else decides to sit on the sidelines.

10/01/2026

Getting the mortgage right is part of my job.

But so is getting to know the people behind it.

Why you’re moving. What you’re nervous about. What matters to you. What you want life to look like after you get the keys.

I’m here to answer the questions, talk through the options, problem-solve when things get complicated, and make sure you feel like you have someone in your corner through all of it.

Because you’re not just getting a mortgage.

You’re making a pretty big life move, and I care about getting it right with you.

10/01/2026

5.0 star review received on Experience.com for Guild Mortgage - Ellie Breitbach by Stuart C - Ellie Breitbach has been exceptionally helpful both when we originally purchased our home and now as we refinance. Helped us jump through all the hoops and stayed present and maintained clear communication. She was an excellent loan officer and dealt smoothly with both us and the underwriters. Thank you Ellie!

Click to see all 111 reviews of Guild Mortgage - Ellie Breitbach, Loan Officer | NMLS # 1849568

Address

200 Southdale Center
Edina, MN
55435

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm
Saturday	9am - 5pm
Sunday	9am - 5pm

Telephone

+13192422226

Website

https://linktr.ee/mortgagesbyellie

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