Your Mortgage Solution Team


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

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.


Click the link to download my digital business card!

With the Popl digital business card, you can make sure that you have my most up-to-date contact information!

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