Vikings Ticket Giveaway

Contest sponsored by Larry Kowalczyk/BELL BANK MORTGAGE. No purchase necessary. Register to enter by sending an email to Must enter by 10:00 pm on Friday, September 20. One entry per person. Two Vikings tickets to the Sunday November 17 game against the Denver Broncos. Odds of winning are dependent on the number of entries received. Restrictions: Must be 18 to enter. No third party settlement providers. No current employees of Bell Bank, board members or their immediate family members. Winner will be selected and emailed on September 23.

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 wanted to drop a note of thanks for your endless efforts in getting us to the refi table last week. We appreciate all your time, diligence and patience as we toggled through the years of trying to accomplish this goal. Your guidance and work behind the scenes did not go unnoticed, and we're grateful.


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

Kristi Baetsen
Loan Officer Associate

Joelle Foran
Loan Officer Assistant