Your mortgage expert!

Heather Larsen

Meet Heather

At Bell Bank Mortgage, we know that every home buyer has their own unique situation as they consider home ownership. We make it our mission to make home happen, with a wide array of loans and programs – and most importantly, the unequaled personal service you deserve!

No matter where you are in the process of home ownership, I’d love to be your trusted advisor. We’ll shepherd your loan from start to finish, so you can close on time, with no surprises.

As a mortgage lender in the Winona, M.N., area, I’m here to work with you to find the mortgage that best suits what you’re looking for. Choose me and Bell, and you will always be a person – not a number. I look at each opportunity as unique, and I look forward to helping you find the best home loan option for your personal financial situation!

You may have some questions as you navigate this process. (How much can I afford? Which type of mortgage is best for me? Where do I start?) Call, email or stop by our office – I’d love to connect.

Expertise and Specialties

  1. Purchases
  2. Conventional Loans
  3. Down Payment Assistance Loans
  4. Construction & Renovation Loans
  5. Government loans: FHA, VA & USDA
  6. Loan Programs: VA expert

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

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

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!

Community Involvement

  • SEMR committee
  • Member of the Chamber
  • Hope harbor
  • Women in Business