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Bell Bank Mortgage

Experience the Bell Difference.

Be BOLD. Be Bell.

Work for a company that puts PEOPLE over PROFITS.

Imagine working for a company where the bottom line is “Happy Employees. Happy Customers.”, people are prioritized over profits and you’re empowered to make a difference in your community.

Many people don’t even stay in their first home as long as our mortgage lenders stay with Bell. They average more than 12 years of tenure with our company -- and for good reason.

At our exceptional workplace, you’ll enjoy:

A shared mission of treating people right

Customer-centric polices and processes

A family-oriented workplace

A culture committed to paying it forward

Competitive commissions, bonuses and benefits

Platinum and President’s Clubs that recognize top mortgage lenders Team support and the tools you need to be successful

Be BOLD. Be Bell.

Work for a Company with Overarching Purpose

What if you could expand your mortgage career at a company with the resources to help clients get the home loans they need, at competitive rates, with some of the lowest fees around? A place where you could make sure your clients’ loans closed easily and on time – every time? A business where team members really do treat one another –and our customers – like family?

Welcome to Bell Bank Mortgage.

With core values of family, unequaled service and giving back, we treat our customers how we would like to be treated, offering highly competitive rates, a wide variety of loan programs and a reputation for award-winning service, reliability and on-time closings. With every step of our customers’ financing handled in house, we give fast answers, fewer headaches and peace of mind. Dedicated support teams guide each loan, from preapproval to close, and closing packages are typically in place an average five business days before close. We’re built on a solid foundation of doing the right thing. That means you can put your clients’ best interests first, always.

Bell Bank Mortgage

Our Awards

We recognize that our employees are our most important resource. And we know that’s why we not only continually win awards for customer service, but also are routinely recognized as a top workplace.

Watch and read the inspiring stories at bell.bank/payitforward.

A tradition that has empowered millions of dollars in grassroots giving and impacted tens of thousands of lives. Its the heartbeat of our culture.

Bell Bank Mortgage

About Us

Our team of experienced professionals takes ownership of every loan, from start to finish. In fact, every stage of financing, from processing and underwriting through closing documentation, is handled at Bell.

Your customer stays with you!

We are our own investor as we service 95% of our loans.

Your customers are your clients for life!

About Us

Bell Bank Mortgage isn’t like other mortgage firms -- or banks. Backed by the financial strength of one of the largest privately owned banks in the nation, we can make decisions based on longterm goals -- not short-term gains.

That’s how Bell was able to add 20% to our mortgage team at a time when most mortgage companies were cutting jobs.

We do things differently - so you can make a difference.

Bell Bank Mortgage

About Bell

Founded in 1966 in Fargo, N.D.

2,000+ employee-owners via an employee stock ownership plan (ESOP) No acquisitions - all organically grown.

Comprehensive Benefit Plans

401(k) plans, 403(b), profit sharing, defined benefit plans and more

The nation’s 6ᵗʰ largest privately held bankowned and operated.

Mortgage locations in ND, MN, WI, TN, FL, KS, MO, NM & AZ

More than

$14 billion in assets

Retail, wealth management and correspondent banking offices across the U.S.

Employee Owned + ESOP

giving our employees ownership in holding company.

Best in Class

We acknowledge that continuous development and connecting with suitable lenders are crucial for growth. At Bell, we provide a live sales support team to ensure that our sales team always has access to assistance for any loan-related inquiries.

We promote and enable straightforward, open communication within our family-like atmosphere. From processing and underwriting to closing departments, our Bell lenders can easily reach out to our support team by phone or in person. Additionally, each of our lenders has a dedicated support team member to assist with selling loans, ensuring a seamless process without any concerns.

Marketing

Sales Support Operations Bell Bank Mortgage

Tailored Loan Programs and Services

More great support for your career when you join the Bell Bank Mortgage team.

VA New construction DSCR Loans

As a Bell Bank Mortgage lender, you and your support team will take ownership of every loan, from start to finish. In fact, every single stage of financing, is handled here at Bell. For every one at Bell, the goal is to close on time, every time.

At Bell, you’ll enjoy a huge array of loan programs and services tailored to our clients.

Loans

FNMA/FHLMC (serviced in-house)

FHA (serviced in-house)

VA (serviced in-house)

First-time homebuyer (state and national)

USDA Rural Development (serviced in-house)

Non-conforming delegated underwriting to $2mm Manufactured housing for FHA/VA/Conventional/USDA

Portfolio & Specialty Loans

Jumbo fixed and ARMs (portfolio & correspondent)

Doctor loans (95 LTV, no MI)

Lot Loans

Bell lender paid mortgage insurance (LPMI)

Seasonal second homes

Bell Bank Mortgage

Construction Lending

Our in-house new construction team is here for everyone involved in the building process every step of the way.

One-time close (OTC) for conforming loan limits

Two-time close (Reduced closing costs on second close)

Bell Rehab 10,15,20,25,30

Lot loans

Extended lock with float down

Adjustable rate mortgages (ARMs)

Fixed-rate mortgages

Jumbo loans

Conforming loans

Simple in-house draw process

In-house appraisal desk

Bell Bank Mortgage

Affordable Lending

We’re working to bring greater access to homeownership, too. Our Bell Moving Forward Advantage + program helps make home ownership possible, offering homebuyer education alongside mortgages with very low down payments, the ability to use gift funds, and more.

Community Development

Be a part of something bigger.

When you join Bell, as a mortgage loan officer specializing in Community lending, you’re able to champion “This Is Possible,” our suite of home financing programs designed to help people realize the dream of home ownership.

Affordable Lending Products

HFAs

Community Land Trusts

HomePossible

BorrowWise (formerly BorrowSmart)

HomeReady

Bell Moving Forward Advantage+

Bell HomeAssist

Special Purpose Credit Program

Investor Relationships

Servicing 95% of our loans -- another tool for your clients to come back for repeat business with YOU.

Marketing + Branding

When you work for Bell, your part of a team. With a dedicated mortgage account team, marketing project manager who knows you personally, and an annual budget to help you grow your client base, you’re supported every step of the way. We offer every mortgage lender the strategic and creative resources of our award-winning, in-house marketing department to support your growth and connections.

We’ll help you take your business to the next level with effective marketing tailored to building brand and business.

Individual marketing support

Dedicated marketing team member for all loan officers

Website, digital business card, Google My Business Page, SEO and more.

Strategic corporate branding in all makets