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:

• Residence history for the past two years
• Legible copy of photo ID for each borrower
• Employer name(s), job title(s), and dates of employment for the past two years
• W-2s for the past two years (as well as 1099s and K1s if applicable)
• Federal tax returns for the past two years (including all pages and schedules) and business tax returns if applicable (25% or more ownership)
• Current pay stubs covering the most recent 30-day period
• Bank statements for the past two months (all number pages, even if blank or advertisement)
• Investment and retirement account statements for the past two months or most recent quarter (all numbered pages)
• Name and contact information for homeowners insurance agent

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 statement (if applicable)

Refinancing a Home

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

• Residence or landlord information for the past two years
• Employer name(s), address(es), and dates of employment for the past two years
• 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
• Signed letter of explanation for any deposits greater than 50% of your qualifying monthly income. Underwriting will also require a paper trail to verify the explanation
• 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
• Signed letter of explanation for any credit inquiries within the last 120 days
• 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 statement (if applicable)