Enter to Win Twins Tickets

Thank you again for the opportunity to assist you with your mortgage needs. The spring real estate market is upon us and looks to be strong and face paced. Please feel free to contact us if you, your family or friends have any mortgage needs or questions.

In appreciation for your continued loyalty, we are once again giving away ONE PAIR OF TICKETS TO FOUR LUCKY WINNERS to the Legends Club at Target Field! One of these sets will be for Joe Mauer Day on June 15th!

Contest sponsored by Larry Kowalczyk. No purchase necessary. Must enter by 11:59PM on April 12, 2019. Register to win by emailing me at lkowalczyk@bellbanks.com or calling 952.905.5400. One entry per person. Twins tickets to the Legend Club valued at $73 each. Odds of winning are dependent on the number of entries received. Winner will be announced via email on April 15, 2019. Restrictions: Must be 18 to enter. No third party settlement providers. No current employees of Bell Bank, board members or their immediate family members.

Meet Your Mortgage Solution Team!

For most people, your home is the largest and most important asset in your financial plan. So when you're getting a mortgage, it's critical to work with a team who will take the time to listen to you. The lowest interest rate or payment on the wrong mortgage program can be very costly.

More than 45 years of combined mortgage experience, Your Mortgage Solution team will take the time to listen to you, then provide you with a lending solution that's personalized to your financial goals.

How We Work

We love to offer our customers a smooth transaction based on honesty and communication. We want to become a trusted resource, not only for you today, but also for you and your family and friends for years to come.

We listen to you, answer all of your questions, analyze your personal situation and determine the right loan or program for you. We'll formulate a plan by looking at all the available options, then together choose the best loan for you. As a team, we can assure you that you'll always get prompt responses to any questions that arise.

Expertise and Specialties

  • First-time homebuyers
  • Move-up buyers
  • Refinance analysis
  • Second home
  • Investment property

I tell everyone I know - if you need a mortgage, go see Larry and Kristi at Bell Mortgage…they will treat you right and the service is excellent!

Community Involvement

  • Spare Key liaison for Bell Bank Mortgage
  • Simpson Housing volunteer

Honors and Awards

Bell Mortgage President's Club recipient for the past 17 years

2018 super mortgage professional

More About Us

Contact any one of us to help you.

Larry Kowalczyk
District Manager
NMLS#284851
952.905.5400
lkowalczyk@bellbanks.com

Kristi Baetsen
Loan Officer Associate
NMLS#1137149
952.905.5377
kbaetsen@bellbanks.com

Joelle Foran
Loan Officer Assistant
NMLS#1736836
952.905.5516
jforan@bellbanks.com