Find the right home mortgage

Personal Borrowing Mortgage

Whether you're on your way to getting your first home, your next home, or a better rate on your existing mortgage, we will walk you through every step of the loan process.

Why Bell

For decades, we've made the home buying process simple for thousands of families. In fact, our Bell name has mortgage roots dating back to 1880. That's experience you can trust.

  • Purchase
  • Refinance
  • Build Your Dream Home
  • Mortgage Process


Buying a new home is exciting and Bell is with you every step of the way to make it a smooth and easy process.

We work with you before you start shopping, to answer your questions and help you find a comfortable buying range through our free and easy prequalification process.

During the process, we walk you through the application and document requirements, work with you to get final approval and streamline the steps that open the door to your new home.

After the close and down the road, we check in to be sure your home and mortgage are meeting your changing needs.

Contact one of our mortgage experts today to get started!

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This calculator computes the most expensive house you can buy based on the highest payment you can afford, but does not indicate whether you would qualify for the loan.


Refinancing your mortgage can help you obtain a lower rate, change the length of your term or help you access equity in your home. So how do you determine if a refinance is right for you?

Contact us to discuss your financial situation and we will work with you to provide options to achieve your goals.

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When you refinance at a lower interest rate, you usually pay refinancing costs including points, fees, and closing costs. This calculator will tell you if the amount you save in interest will exceed these refinancing costs. The calculated results depend on how long you plan to keep this property.

Build Your Dream Home

You talked about it, dreamed about it, and now you’re ready to build your new home. We can help!
Let Bell make the process a smooth one, from your construction loan to permanent home financing.

Our home construction lenders offer you:
  • Experience – We know the neighborhoods, construction processes, costs and loan options.
  • Economy – Save money with competitive rates on loan options that fit your needs.
  • Simplicity – Experience a simple process and a smooth transition from your construction loan to permanent home financing.

Contact one of our experts today or call any bank or Bell Bank Mortgage location and ask for a construction lender.
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Mortgage Process

Here are the key steps in the loan process that will lead you home:
1. Talk to a Bell loan officer. Make talking to a Bell loan officer your first step. A mortgage professional will help you determine your financing options and answer all your questions.
2. Apply online. Complete your mortgage application at your convenience through our online application.
3. Work together through final approval. From the time your application is received, we work with you to ensure you move through the process checkpoints to final approval.
4. Closing on your loan.

Prior to loan closing, your loan officer will review the Closing Disclosure, funds needed, and documentation to bring to close with you.  On closing day the final documents are signed at the title company and you receive keys to your new home!

Have more questions? Check out our Mortgage Q&A resource or give one of our mortgage experts a call!

NMLS Registry Information

Find a mortgage lender near you.

Talk to a mortgage professional who can help you finance your home.

Bell Bank Company Awards

An Award-Winning Place to Bank

Bell Bank is an award-winning place to work and do business! See Bell’s many awards from the likes of Forbes, Fortune and more.


Is Now the Time for a Loan?

Rates are still low. As the economy reopens, maybe you’re ready to consider that new car, a special purchase, or even debt consolidation.


Gifts That Change Lives

Bell’s unique Pay It Forward initiative has empowered more than $18 million in giving and changed thousands of lives. Check out our stories (but have a tissue handy!).