Your Loan Team

Mortgage Loan Officer Joelle Foran NMLS# 1736836 | Kristi Baetsen NMLS# 1137149| Larry Kowalczyk NMLS# 284851

Sweepstakes sponsored by Your Loan Team at Bell Bank Mortgage. No purchase necessary. Must enter by 11:59 P.M. on Wednesday, October 29, 2025. Register to win by liking and commenting on the post on Facebook with "Enter to Win" or by emailing YourLoanTeam@bell.bank.  One entry per person. *One winner will receive a pair of Minnesota Vikings Football Game tickets for the Minnesota Vikings vs Washington Commanders at U.S. Bank Stadium on Sunday, December 7, 2025 at 12:00 pm in Section 116, Row 24, Seats 15 &16 that are valued at $246.00 each.  Prizes are not refundable. Odds of winning are dependent on the number of entries received. Must use a Ticket Master account to accept these tickets. *Restrictions: Must be 18 to enter. No third party settlement providers. No current employees of Bell Bank, board members or their immediate family members. *One winner will be chosen by a random drawing on October 31, 2025. Winner will be contacted via email. Visit my website www.bellmortgageloans.comundefined for full sweepstakes rules.


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:

Joelle Foran
Mortgage Loan Officer

Joelle Foran
NMLS# 1736836

Kristi Baetsen
Mortgage Loan Officer

Kristi Baetsen
NMLS# 1137149

Larry Kowalczyk Website Team Photo
Sr. Mortgage Loan Officer

Larry Kowalczyk
NMLS# 284851

Expertise and Specialties

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

 

Tools and Resources

MortgageMapp

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

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.

Popl

Click the link to download my digital business card!

Homebot

Receive monthly reports that offers you home finance insights.

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