Your Mortgage Solution Team

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Larry Kowalczyk

Mortgage Loan Officer NMLS# 284851

EMAIL

OFFICE

952-905-5400

CELL

612-600-5626

ADDRESS

5500 Wayzata Blvd., Suite 300, Minneapolis, Minnesota 55416 LinkedIn

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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 YourLoanTeam@bell.bank.  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 YourLoanTeam@bell.bank. 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

kbaetsen@bell.bank
C: 612-810-2513 O: 952-905-5377
Joelle Foran

Associate Loan Officer

Joelle Foran
NMLS# 1736836

jforan@bell.bank
C: 612-600-5308 C: 952-905-5516

Expertise and Specialties

  1. First-time Homebuyers
  2. Vacation/Second Homes
  3. Investment Properties
  4. Construction & Renovation Loans
  5. Refinance
  6. Move Up Buyers
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  • The entire process was very smooth. I felt informed about the timeline and what I was responsible for supplying/completing. The team was extremely responsive and helpful when I had any questions. I've heard from other friends and family that securing a house loan can be a stressful, frustrating process. I am happy that this was nothing like my experience working with Bell Bank.
    - Lisa

Tools and Resources

MortgageMapp

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

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.

Benefits:

  • Calculate payments
  • Real-time rate trends
  • Request a pre-approval
  • Share with family friends & clients
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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