Your Mortgage Solution Team

Sweepstakes sponsored by LARRY KOWALCZYK/BELL BANK MORTGAGE. No purchase necessary. Must enter by 11:59 P.M. on Sunday October 1, 2023. Register to win by liking and commenting on the post on Facebook with "Enter to Win" or by emailing  One entry per person. *2 winners will receive a pair of Minnesota Vikings Football Game tickets for the Minnesota Vikings vs New Orleans Saints at U.S. Bank Stadium on Sunday November 12, 2023 at 12:00 pm in Section 206, Row 2, Seats 9-10 or 11-12 that are valued at $203.00 each.  Prizes are not refundable. Odds of winning are dependent on the number of entries received. Must use a Ticket Master account to accept these tickets. *Restrictions: Must be 18 to enter. No third party settlement providers. No current employees of Bell Bank, board members or their immediate family members. *2 winners will be chosen by a random drawing on Monday October 2, 2023. Winner will be contacted via email. Winners must claim their prize within 48 hours of drawing. If winner does not claim prize within 48 hours an alternate winner will be selected via a random drawing. The winners list will be available upon request after the sweepstakes has closed. To receive a copy of the winners list, please email The winners agree that their names and likeness may be used for publicity purposes without additional compensation. The winners release Bell Bank for any liability and indemnifies in connection with the prize.

Meet Your Mortgage Solution Team

For most people, your home is the largest and most important asset in your financial plan. So when you're getting a mortgage, it's critical to work with a team who will take the time to listen to you. The lowest interest rate or payment on the wrong mortgage program can be very costly.

More than 55 years of combined mortgage experience, Your Mortgage Solution Team will take the time to listen to you, then provide you with a lending solution that's personalized to your financial goals.

We love to offer our customers a smooth transaction based on honesty and communication. We want to become a trusted resource, not only for you today, but also for you and your family and friends for years to come. As a team, we can assure you that you'll always get prompt responses to any questions that arise.

Team Information:

Kristi Baetsen

Associate Loan Officer

Kristi Baetsen
NMLS# 1137149

Joelle Foran

Associate Loan Officer

Joelle Foran
NMLS# 1736836

Expertise and Specialties

  1. First-time Homebuyers
  2. Vacation/Second Homes
  3. Investment Properties
  4. Construction & Renovation Loans
  5. Refinance
  6. Move Up Buyers

Tools and Resources


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

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

Honors and Awards

  • Bell Bank's Presidents Club recipient for the past 20 years

Community Involvement

  • Spare Key liaison for Bell Bank Mortgage
  • Simpson Housing volunteer