Connie Hess / Bell Bank Mortgage

’Tis the season for giving, but also for bills and credit card debt. 😱

Luckily, owning a home is also an investment, and you can keep building equity in it over the years. 💪

Give me a call today to learn how you can use home equity to your advantage!

This is the time of year to spend time with loved ones and enjoy those special people and moments in our lives.

Here’s wishing you a Merry Everything this holiday season.

Merry Christmas from all of us to all of you!

The mortgage process can be complicated especially if it's your first time.

Luckily, we're here to help make this as simple and easy as possible and that starts with an understanding of how much home you can afford.

Click the link below to try out our interactive calculator and then give me a call to talk through the numbers!

How much home can I afford? Try our interactive calculator here!

The FHFA announced the NEW maximum conforming loan limits for Fannie Mae and Freddie Mac for 2024. The new Conforming loan limits for 2024 are:

1 UNIT = $766,550
2 UNIT = $981,500
3 UNIT = $1,186,350
4 UNIT = $1,474,400

Until this takes effect in 2024, Bell will continue our promotion of $745,000 ($18,800 above the current max) through 12/31/2023.

Let’s chat about how this helps you or your clients.

All loans are subject to credit approval. Program guidelines are subject to change without notice. Other restrictions apply.

You love your pets and you love making them happy (How could you not?). 🐶🐱

Give me a call today so we can help you get into a home that's PURRfect for everyone and makes those tails wag even faster.

This time of year is for being thankful for the people in our lives and I am certainly thankful for you!

Happy Thanksgiving from all of us at Bell!

If you are one of the amazing veterans that have served this country, we have your back!

At Bell, we are proud to help veterans get a VA loan for their mortgage needs.

Reach out to me today to learn more about your eligibility and how we can help you get into a home you love.

Need another reason to work with Bell? I didn’t think so 😉, but just in case Bell will pay down your rate by 1% for one year (12 months).

This could save you hundreds of dollars each month on your monthly mortgage payment.

🔹There are NO income limits to this program.
🔹Its open to ALL homebuyers.
🔹The 1% rate break is paid BY BELL!

Just another reason to work with me and experience the Bell difference.

*Subject to credit approval. Only eligible on fixed rate FHA, VA and conventional conforming purchase loans for primary residences. Temporary Buydown duration cannot exceed 12 months. Increase must be 1%. Buydown must be paid by seller or lender. Buyer funded buydown not allowed. Program guidelines are subject to change without notice. Other restrictions apply.

Here at Bell, we are committed to building a more diverse future in homeownership.

But we don’t just talk the talk, we have the programs in place to help including the Bell Moving Forward Advantage!

This loan program, eligible for minority borrowers, might be just the thing you need to make your homeownership dream come true!

*Subject to credit approval. Primary residences only. Income restrictions apply. Available for borrowers identifying as a minority as defined by regulatory designations listed on the initial loan application. Must not own other property. Not available in all markets. Program guidelines are subject to change without notice. Other restrictions apply.

The mortgage process may seem tricky, especially if this is your first time!

Luckily, as an experienced loan officer I know what to look out for so we avoid all the TRICKS and TREAT you well.

You may have heard of some banks and mortgage companies struggling and some even closing.

We here at Bell want to assure you that we are open! We have been here for you in the past and we will be here for you moving forward.

Give me a call today to learn more about how we can help you with your homeownership journey!

📢📢 STOP YOUR SCROLL!📢📢

Great news! Bell is increasing our conforming loan limit to $745,000* now through the end of 2023.

Just a reminder, Freddie Mac and Fannie Mae’s conforming loan limit increase in single family homes won’t be announced until nearly 2024. This is great news for homebuyers working with Bell! 🎉🏡

*Single Family Primary Residence only (no MFH). Purchase, R/T and C/O eligible. $745,000 maximum loan amount. MN, ND, WI, CO, KS, MO, TN, FL, NM, AZ only. Loans must be locked on or before December 31st, 2023.

We have so many loan options here at Bell, I guess you could say that we wear many hats!

The question this October is WITCH hat will you choose?

Having everything that you need in one place is always convenient.

Whether you are homeowner looking to build or a builder working on some new properties, look no further!

Here at Bell, we are a one-stop shop with an easy to manage, stress-free building process all under one roof. 🔨

📢📢 BIG NEWS!📢📢

Have you heard?

On Nov. 18, 2023, Fannie Mae’s conventional loan requirements will be updated to allow for the purchase of two-to four-unit properties as primary residences with only 5% down That’s HUGE!

There are no income caps, and no special programs needed to take advantage of the change. Questions? Let's chat!

Subject to credit approval. Program guidelines are subject to change without notice. Other restrictions apply.

We are reaching the end of the year, and with it comes a lot of holidays and time to spend with your family and friends.

Is your kitchen ready to host a huge family meal? Give me a call today to learn how we can help get you a renovation loan at Bell to make your place the place to be during the holidays!

October is here which means it’s officially spooky season!

One thing that may seem scary is having your credit pulled, but it’s not as scary as it seems!

Here at Bell, we have the experience and expertise to make your mortgage process as easy as possible and take the moments that might feel scary, easy.

September is almost over and that means it’s time to wake up! 😉

In all seriousness, one thing you shouldn’t sleep on is your mortgage health. Reach out to me today to get a mortgage check-up and make sure you are set up to reach your mortgage financial goals!

Arrrrrrrr you looking for a mortgage lender to help you on your home finance journey?

My goal is to help guide you as you follow your map to your buried treasure! (i.e. your new home 😉)

Fall is coming and that means that it’s a great time to get your fall check list ready for the seasonal change.

While you’re putting your list together, don’t forget to think about your mortgage! Having an annual mortgage-checkup can be the best thing you do to ensure your mortgage is working for you! 🍁🍂

Question: What’s better than closing on time?

Answer: Closing on time with a stress-free mortgage process!

If this sounds good to you, give me a call today to get started!

These days it seems like you can buy anything online, but your mortgage shouldn’t be one of them.

Having a lifelong relationship with your loan officer will make the homebuying process easier and can help set you up for financial success long after the deal is closed!

Working hard or hardly working? 😂

From all of us at Bell, we hope you are enjoying a relaxing Labor Day!

Three things to remember to anyone who’s waiting to buy a home until interest rates drop.

1) Remember, you marry the home, and you date the rate. So there is always opportunity to refinance over time.

2) When you own a home, the payment you are making is an investment in your ongoing equity and the wealth you can build for yourself and for future generations.

3) In a lot of cases, monthly mortgages is cheaper than monthly rent payments.

At Bell, we have loan programs that allow for down payment assistance and grants, so if you’re worried about the down payment – there might be a program perfect for you to start owning a home.