Providing Smart Lending and Savvy Solutions

Meet Nick

Over the past 10 years, I’ve been blessed with the opportunity to work with a great company in Bell Bank Mortgage! This opportunity has allowed me to meet and help many great clients with their home purchases and refinances. I now call many of those clients my friends.

No two clients have the same financing situation so I take pride in figuring out the best loan options to meet their individual home financing goals. My favorite part of my job is helping each client have the best experience with one of the biggest investments of their life!

Expertise and Specialties

  1. Purchases
  2. First-time Homebuyers
  3. Specialized Doctor and Dentists Loans
  4. Vacation/Second Homes
  5. Investment Properties

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

  • Super Mortgage Professional

Community Involvement

  • Outside of work, I am heavily involved in my kids’ school activities and coach soccer, baseball, and basketball.

More About Me

When I'm not working I enjoy spending time with my wife and three kids! You can find me Coaching....Golfing....Grilling....Running or Relaxing at the Cabin!

Nick Kalkman Family Picture