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Zemien_Joe

Joe Zemien

Senior Mortgage Loan Officer NMLS# 337592

Email

jzemien@bell.bank

Office

952-905-5589

Cell

651-260-5766

address

15322 Galaxie Ave. Suite 112 Apple Valley, Minnesota 55124
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Meet Joe

 

You can expect professional and personal service and dependable communication any time of the day or night and weekends. I will educate you on the available programs and help you understand your options so you can make the right decision for you and your family. The mortgage process can be a little intimidating. I am committed to ensuring a smooth process from start of the mortgage pre-approval steps all the way to your closing date when you get to move into your new home.

 

Expertise and Specialties

  1. Purchases
  2. Refinance
  3. Conventional Loans
  4. Government loans: FHA, VA & USDA
  5. First-time Homebuyers
  6. Second/vacation homes

 

Get Connected

 

  • Joe Zemien was awesome to work with! We had some hurdles along the way and he got us through them with ease. Talked us through every step and kept us updated at all times.

    Autumn R.

  • Joe listened to what my goal was and providing the best options for me to meet those goals.

    Patrick H.

  • This is the 2nd time we worked with Bell Bank. Bell Bank is extremely good and Efficient Bank to work with. They have very good rates.

    Marcel N.

  • The customer service with Joe Zemien was fantastic. Always available to answer question, even on the weekends. Was able to answer all of our questions with great clarity. Quick to respond to all questions. Closing was seamless and easy.

    Grace J.

  • Joe & Cindy are fabulous to work with, the process is so transparent and they made it smooth and hassle free.

    Taj S.

Tools and Resources

MortgageMapp

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

Receive monthly reports that offers you home finance insights.
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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.

Popl

Click the link to download my digital business card!
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Honors and Awards

  • Multiple years of Super Mortgage Professional award winner