Providing smart lending and savvy solutions

Curt Smith

Meet Curt

Although I have received recognition from various publications over the years, it is the satisfaction of my customers that drives me the most. Buying a home is a special time in a person's life, and I thoroughly enjoy helping to bring that goal to a successful conclusion!

I made a great decision in 1998 to begin working in the mortgage industry, and I don't think I've had a boring day since! My career with Bell Bank Mortgage began in 2010. Prior to joining Bell, I was a vice president with Guaranteed Rate, Inc., and before that I spent over 10 years with Norwest Mortgage/Wells Fargo Home Mortgage.

Expertise & Specialties

  1. Government loans: FHA, VA & USDA
  2. First-time Homebuyers
  3. Purchases
  4. Down Payment Assistance Loans
  5. Conventional Loans

Tools and Resources


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

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


Receive monthly reports that offers you home finance insights.

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. 

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.


Click the link to download my digital business card!

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

Honors & Awards

  • Super Mortgage Professional Multiple Years

Community Involvement

  • Forest Lake Hockey Association