Meet CindyCindy Zemien has a passion for helping her clients achieve their dreams of home ownership. For more than 25 years, Cindy has built a solid reputation for exceeding her clients’ expectations by providing excellent service. She builds trust by seeking to understand your unique situation and financial goals, then offering you mortgage solutions that meet or exceed those goals.
Cindy is proud to have a large number of repeat customers, and her strong relationships with real estate professionals have lasted for decades. She loves working with first-time home buyers and prides herself on keeping up to date with new programs that may benefit her clients. Cindy is committed to earning your confidence whether you are buying your first home, refinancing your current home, building a new home, buying a bigger home or looking for your retirement home. She will go the extra mile to educate you on the various programs available.
How Cindy Works
Cindy is always available! Understanding that most people don’t buy a house Monday through Friday, from 9 to 5, Cindy is available in the evenings and on weekends to ensure you have the resources you need to buy your dream home. She will be there to get you a pre-approval letter day or night whatever it takes to help you get your offer accepted.
Expertise & Specialties
- First-time Homebuyers
- Conventional Loans
- Government loans: FHA, VA & USDA
- Construction and Renovation Loans
- Down Payment Assistance Loans
- Vacation homes and relocation licensed in Minnesota, Wisconsin, Iowa, Tennessee, Florida, Arizona, California, North Carolina and Texas
Cindy Zemien was stellar to work with! She was on it from the moment we reached out to her asking for assistance with buying our new home! She made everything go smoothly. I swear she was 5 steps ahead at all times! We have no reservations about referring friends and family to Cindy!- Dan O.
Cindy was the definition of a professional! We are first time home buyers and we had LOTS of questions; Cindy answered each and every one in a timely and very thorough manner. She made this process so much easier for us and we truly could not have done this as easily as we did without her. We highly recommend Cindy and her team!- Becca
Cindy was very helpful in explaining the process and guiding me through it. It had been nearly 30 years since the last time I had purchased a house and I just remember it being very confusing and a blur. She explained what was going on with the market and what to expect with the process and did a great job of keeping me informed on the status. I would highly recommend both Cindy and Bell Bank Mortgage to anybody that I know looking to purchase property.- Brian
Cindy did a great job keeping us informed and ALWAYS responds to emails at all hours of the day and weekends. Who does that? It was Cindy's contact that allowed us to clean up an old lean on our property that was unknown and was holding up our closing. We were very impressed how she SAVED the DAY. I will highly recommend Cindy to friends. Great Job!- Steve
My wife and I bought a home from out of state and so all of the arrangements had to be handled at a distance. Also I am recently retired which made my application a little more complex. But the entire situation was handled professionally yet with a personal touch. I can't imagine things going more smoothly than they did.- John
Great communication and friendly services. Cindy always did a great job of explaining things for us! We feel we really lucked out!- Jacob
Working with Cindy was a really good experience. Her helping us navigate rates and overall numbers were greatly appreciated. It is clear that she has been in the business for many years and knows her stuff.- Matt
Cindy Zemien was amazing from start to finish. She was professional and knowledgeable. We trusted her guidance and could tell how much pride she takes in the job she does.- Brian
Cindy was an excellent resource for financial guidance during the mortgage origination process. She was readily available to answer all my questions - which were numerous and frequent - and thorough and patient in answering them.- David
I enjoyed working with Cindy for the second time. She is always up front and honest with us. We always receive great information and details regarding each step. She is always available for the many questions I always have.- Tolisha
Tools and Resources
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.
- Calculate payments
- Real-time rate trends
- Request a pre-approval
- Share with family friends & clients
Homebot is a monthly report that offers home finance insights to monitor your estimated home value, estimated equity, loans and market trends to help you know when to buy, sell, rent or remodel to maximize your investment. Click this link to sign up to receive monthly reports or if you already signed up, to sign in and access your Homebot report.
- Member of Apple Valley Chamber of Commerce
Honors & Awards
- Super Mortgage Professional 2010-2022
More About Me
Cindy loves her job, and it shows in every aspect of her work. She loves working with her clients and forms a friendship with each one of them that lasts for years to come.
The balancing factor for Cindy is time spent with her family. Cindy has built her successful career on the foundation of a strong, loving family. When she is not caring for her clients, Cindy can be found gardening, taking long walks with her husband Joe, running around with her family or spending time together “up at the lake" where she enjoys fishing, boating and relaxing with family and friends.