I started originating residential mortgages in 1990 and quickly rose to be one of Arizona's top 1% mortgage loan officers. But customers are never numbers to me, I take pride in working one on one with you.
Expertise and Specialties
- Investment Properties
- Vacation/second homes
I was very nervous buying my first home. Joel went over my options and gave me the direction I needed. I was able to get a mortgage that was right for my budget. I have referred 3 of my friends to Joel! Thank you, Joel.- Shaw F.
Bell Bank employees are a very professional team. I appreciated the quick responses to all my questions and emails. The entire process for me to purchase a home went very smooth because of Bell’s team players. I'll recommend Bell to anyone looking for a home in Arizona.- Carl R.
I was treated with care and honesty, which is the complete opposite from my last refi with another bank.- Daniel P.
Great experience. Move very fast and are easy to get a hold of. Great first-time home buying experience!- Kevin O.
This has been the best experience in refinancing my mortgage. Everything went very smoothly and quickly. Everyone was very professional and on top of the process. I have never had this level of customer service. It is top notch! Thank you so much!- Suzanne K.
Joel, Malorie and the rest of the team at Bell Bank Mortgage did a great job of making sure the process was done timely and accurately. They were clear on the information they needed from me to complete the refinance, and when I provided it, there was no need for any follow-up. I highly recommend Joel Terrill and team.- Craig B.
We were informed at each step of the process. The ability to sign documents via secure site was most important during the national health crisis.- Rachel S.
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.
Find Your Career Home with BellIf you’re an experienced mortgage lender who’s ready to take your career to the next level, contact me today! Bell truly is a company where people come first. We treat our team members right, and we care about making our communities a better place to live. Here’s what you can expect when you’re a mortgage lender at Bell:
- The Bell difference for buyers and business partners: Bell’s in-house processes take mortgages from start to finish, and ensure on-time closings with no surprises. That reputation is augmented by unique loan programs, including rehab loans that wrap remodeling costs into a mortgage, and one-time closings for new home construction.
- Marketing and support: Bell’s mortgage loan officers receive a marketing budget annually based on production level. Bell’s in-house marketing team helps design a plan based on your goals, then provides you the professional tools to achieve those goals.
- Pay It Forward: Bell has empowered millions of dollars in grassroots giving. Through our unique Pay It Forward tradition, every full-time Bell employee receives $1,000 and every part-time employee $500 every year to give as they choose to individuals, families, organizations and causes. This initiative has positively impacted literally thousands and thousands of lives.