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
- Conventional Loans
- Government loans: FHA, VA & USDA
- First-time Homebuyers
- Second/vacation homes
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
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.
Honors and Awards
- Multiple years of Super Mortgage Professional award winner