Get Started on Your Mortgage

Let’s get started on your mortgage loan! Throughout the process, you can rely on:

Unmatched Customer Service and Follow-Through

We’re known for our exceptional service, transparency and integrity.

From your first interactions with us, we help simplify what is often a very complex process. We take the time to truly get to know you, your situation and your goals. We’ll walk through the process and the documents needed to support your request. We strive to make the mortgage process as stress-free as possible.

Local Processing, Underwriting and Closing

All financing stages of your loan – from processing to underwriting to funding – are handled here at Bell. Our in-house team ensures a quick, accurate and smooth process all the way to closing day. And we work in harmony with local and national lending sources to find you the best possible rate and terms.

Your Lender for Life

We’re here whenever you need us. If you have questions after closing, wonder about interest rates, or want to be alerted about special offers or opportunities, just let me know.

Contact me or apply online today.

Buying a Home

As part of your application for buying a home, you’ll want to gather:

  • Legible copy of photo ID for each borrower.
  • W-2s for the past two years (as well as 1099s and K1s if applicable).
  • Federal tax returns for the past two years (all pages and accompanying schedules).
  • Business tax returns may be needed.
  • Current pay stubs covering the most recent 30-day period.
  • Bank statements for the past two months (all numbered pages, even if blank or advertisement).
  • Investment and retirement account statements for the past two months or most recent quarter (all numbered pages).

If you own other real estate that is not being sold:

  • Mortgage account information: current statement and, if not escrowing, proof of annual insurance.
  • Second mortgage or home equity line of credit account statement (if applicable).

Refinancing a Home

As part of your application for refinancing, you’ll want to gather:

  • W-2s for the past two years (as well as 1099s and K1s if applicable).
  • Federal tax returns for the past two years, all pages and schedules, and business tax returns if applicable (25% or more ownership).
  • Current pay stubs covering a full 30 day period.
  • Bank statements for the past two months – all numbered pages even if blank or advertisement.
  • Legible copy of photo ID for each borrower.
  • Home insurance policy declaration page showing renewal date and premium amount.
  • Investment account statements for the past two months – all numbered pages.
  • Retirement account statements for the past two months or most recent quarter – all numbered pages.
  • Copy of current mortgage statement.

If you own other real estate that is not being sold:

  • Mortgage account information: current statement and if not escrowing, proof of taxes and annual insurance.
  • Second mortgage or home equity line of credit account statement (if applicable).