Mortgage Loan Officer NMLS #400457
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
- Conventional Loans
- Down Payment Assistance Loans
- Construction & Renovation Loans
- Government loans: FHA, VA & USDA
- Loan Programs: VA expert
Heather is amazing at her job. She truly cares and puts her customers first. She explains everything in detail and is always available to answer any questions. With many years of experience, she has the knowledge to get it done quickly and correctly. Such a pleasure to work with. Highly recommend her for your home buying needs. She's the best in Winona and services all the surrounding area as well.- Paul
Heather Larsen, specifically, and Bell Bank went above and beyond for me and my mortgage process. She not only worked with me for 4 years, but her vast knowledge and professionalism was superior, and second to none! A+ Rating!! Thank you so much on this successful home purchase for my family and I!- Kimberly
Heather was very informative and had a wealth of knowledge and expertise to advise me on pursuing the home of my dreams. Grateful for her assistance in getting my home.- Cindy
Working with Heather is like working with a family friend. She is so genuine, and she wants the buyer to be educated. She never wants you to end up with payments you can’t afford, and she makes sure to walk you through every step of the process to ensure that doesn’t happen.- Cloey
Heather was amazing!!! Would highly recommend her services! Very helpful.- Kim
Heather and Maria were excellent to work with. Have worked with Heather several times and always knows how to get the job done.- Brandon
Heather was amazing!! So was Bell Bank. Felt like i didn't do anything and our home loan was approved and flying threw the processes!! Compared to my prior mortgage lender, the process was so easy! Was awesome to not feel like i had to give my life history. Would recommend Heather and Bell to anyone!!- Lisa
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
- SEMR committee
- Member of the Chamber
- Hope harbor
- Women in Business