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 * Mortgage Loans and Programs
 * Mortgage Loan Calculators


Get To Know Bell
 * About Us
 * Careers
 * News
 * Pay It Forward
 * Bell Champions
 * Partnerships

Contact Us


YOUR MORTGAGE SOLUTION TEAM


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LARRY KOWALCZYK

Mortgage Loan Officer NMLS# 284851

EMAIL

YourLoanTeam@bell.bank

OFFICE

952-905-5400

CELL

612-600-5626

ADDRESS

5500 Wayzata Blvd., Suite 300, Minneapolis, Minnesota 55416

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MEET YOUR MORTGAGE SOLUTION TEAM

For most people, your home is the largest and most important asset in your
financial plan. So when you're getting a mortgage, it's critical to work with a
team who will take the time to listen to you. The lowest interest rate or
payment on the wrong mortgage program can be very costly.

More than 55 years of combined mortgage experience, Your Mortgage Solution Team
will take the time to listen to you, then provide you with a lending solution
that's personalized to your financial goals.

We love to offer our customers a smooth transaction based on honesty and
communication. We want to become a trusted resource, not only for you today, but
also for you and your family and friends for years to come. As a team, we can
assure you that you'll always get prompt responses to any questions that arise.


TEAM INFORMATION:

Associate Loan Officer


KRISTI BAETSEN
NMLS# 1137149

kbaetsen@bell.bank
C: 612-810-2513 O: 952-905-5377


Associate Loan Officer


JOELLE FORAN
NMLS# 1736836

jforan@bell.bank
C: 612-600-5308 C: 952-905-5516

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EXPERTISE AND SPECIALTIES

 1. First-time Homebuyers
 2. Vacation/Second Homes
 3. Investment Properties
 4. Construction & Renovation Loans
 5. Refinance
 6. Move Up Buyers

Get Connected
 * The entire process was very smooth. I felt informed about the timeline and
   what I was responsible for supplying/completing. The team was extremely
   responsive and helpful when I had any questions. I've heard from other
   friends and family that securing a house loan can be a stressful, frustrating
   process. I am happy that this was nothing like my experience working with
   Bell Bank.
   - Lisa
   
 * I wanted to thank you for all the help and assistance with getting my house
   to closing!!! Larry, Kristi and Joelle were amazing to work with and they
   stepped in right away and made it happen effortlessly and smoothly! I am
   beyond grateful for the Bell Team. So THANK YOU again from myself and my
   children! I will highly recommend Bell to anyone buying a home.
   - Angie
   
 * Best customer service in the industry. The entire team goes above and beyond!
   Thank you!
   - Dario
   




TOOLS AND RESOURCES

MORTGAGEMAPP


Download my electronic business card and get resources to help with your
mortgage research. Details

Receive 24/7 access to various tools and calculators to help you research
mortgage or refinance options. You can easily share this app with friends and
family.

With access to multiple investors, we give clients the flexibility of highly
competitive rates and a wide variety of loan programs. We have access to
portfolio financing, which provides clients with more financing options.

Benefits:

 * Calculate payments
 * Real-time rate trends
 * Request a pre-approval
 * Share with family friends & clients

Visit

HOMEBUYER EDUCATION


Each program has different homebuyer education requirements.  Contact me to talk
through the right homebuyer education course for you. Click Details below to
view program links. Details
 * Freddie Mac Credit Smart
 * Fannie Mae HomeView 
 * Framework Online Education
 * Home Stretch In-Person Classes



POPL


Click the link to download my digital business card! Details

With the Popl digital business card, you can make sure that you have my most
up-to-date contact information!
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HONORS AND AWARDS

 * Bell Bank's Presidents Club recipient for the past 20 years


COMMUNITY INVOLVEMENT

 * Spare Key liaison for Bell Bank Mortgage
 * Simpson Housing volunteer

Get To Know Bell
 * About Us
 * Careers
 * Contact Us
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 * Pay It Forward
 * Rates

Divisions and Affiliates
 * Bell Bank Equipment Finance
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 * Bell Bank Wealth Management
 * Bell Capital Finance
 * Bell Insurance
 * HealthcareBank
 * Institutional Investments

Customer Service: 1-800-450-8949
7 days a week | Weekdays 7 a.m. - 10 p.m. CT, Weekends 7 a.m. - 6 p.m. CT
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Equal Housing Lender Member FDIC