Providing Smart Lending and Savvy Solutions


Meet Lu

I am looking forward to putting my 25+ years' experience in mortgage financing to work for you! Whether you are purchasing your first home or refinancing for the 10th time, I want this to be your best experience in obtaining a mortgage.

When you work with me, you also have the support of the whole Bell Bank Mortgage team, one of the best in the business. Founded in 1880, Bell Bank Mortgage is the oldest and largest mortgage banker in Minnesota.

Success in business is a combination of applying knowledge and taking a personal interest in those you serve. Whether your situation is straightforward or complex, my years of experience – managing properties from single family homes to high-rise office buildings, personally buying and selling properties, and financing properties from individual condos to a sugar plantation in the Bahamas – will provide the technical expertise to make your experience special.

How I Work

I love the personal side of lending. Having started my career as a teacher/coach and having been involved in many community organizations and church and ministry boards, I understand the "human side" of each transaction and how important it is to you.

In addition to me, you will be working with Lynn Virchow, who will be processing your loan. I couldn't ask for a better support staff. She will take great care of you. We look forward to serving you!

Larry Kowalczyk Website Team Photo

Mortgage Loan Officer

Larry Kowalczyk
NMLS# 284851

Kristi Baetsen

Associate Loan Officer

Kristi Baetsen
NMLS# 1137149

Joelle Foran

Associate Loan Officer

Joelle Foran
NMLS# 1736836

Tools and Resources

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.