Stillwater Group Lender Site
Bell Bank Home Team

Bell Bank Home Team


NMLS #

Meet Bell Bank Home Team

Brad Goulet
Senior Mortgage Loan Officer
NMLS# 700162

Stig Sandell
Senior Mortgage Loan Officer
NMLS# 700167

Jon Weaver
Senior Mortgage Loan Officer
NMLS# 700169

Rocquie Nash
Mortgage Loan Officer Assistant
NMLS# 713468

Our Mortgage Process

Trust the biggest purchase of your life to our experience. Whether you're on your way to getting your first home, your next home, or a better rate on your existing mortgage, we will walk you through every step of the loan process. Now is the perfect time to get in touch with us and get the personal advice and guidance Bell Mortgage is famous for.

Once you've had all your questions answered and you're ready to start the home loan process, this is what you can expect.

1. Complete our online application.

The pre-approval application asks you questions about the home you wish to buy or refinance and your finances. To process your application, we need financial information about you - your current mortgage or rent, your other loans, your income, your assets, etc. As soon as you've finished the application, we review your request and immediately begin to process it.

2. We'll send you an application package and prepare your loan for processing.

Your loan application will include papers to sign and a list of items we'll need to verify the information you provided about your finances during the online application.

Here is a summary of the forms involved:

  • Good Faith Estimate of Settlement Costs - This details the loan amount and all related charges and fees.
  • Truth in Lending Disclosure - This lets you know what your estimated annual percentage rate of interest (APR) will be and any other program features that apply.
  • Borrowers Certification - When you sign this, you authorize that all the information you provided is correct to the best of your knowledge. It also lets us finalize the process by contacting your landlord, employer, mortgage company, etc. and getting your credit report.

3. Appraisal

Next, we order the appraisal from a licensed appraiser who is familiar with home values in your area to determine its fair market value. The appraiser visits the property and compares its features, floor plan, lot, etc. against other similar properties in the area. (You receive a copy of the appraisal.)

4. We'll contact you to coordinate your closing date.

After we receive your application package, the appraisal and the title work, we contact you to schedule your loan closing. If you are purchasing a home, we also schedule the closing with the real estate agent. The closing takes place at an approved title office in your area. A few days before closing, we contact you to walk through the final information.

5. Apply now.

Start now by applying and you will be on your way to the most convenient home loan ever! That's all there is to it.

Click here to access your web portal to eSign and upload documents.

Meet Bell Bank Home Team

Brad Goulet
Senior Mortgage Loan Officer
NMLS# 700162

Stig Sandell
Senior Mortgage Loan Officer
NMLS# 700167

Jon Weaver
Senior Mortgage Loan Officer
NMLS# 700169

Rocquie Nash
Mortgage Loan Officer Assistant
NMLS# 713468

Our Mortgage Process

Trust the biggest purchase of your life to our experience. Whether you're on your way to getting your first home, your next home, or a better rate on your existing mortgage, we will walk you through every step of the loan process. Now is the perfect time to get in touch with us and get the personal advice and guidance Bell Mortgage is famous for.

Once you've had all your questions answered and you're ready to start the home loan process, this is what you can expect.

1. Complete our online application.

The pre-approval application asks you questions about the home you wish to buy or refinance and your finances. To process your application, we need financial information about you - your current mortgage or rent, your other loans, your income, your assets, etc. As soon as you've finished the application, we review your request and immediately begin to process it.

2. We'll send you an application package and prepare your loan for processing.

Your loan application will include papers to sign and a list of items we'll need to verify the information you provided about your finances during the online application.

Here is a summary of the forms involved:

  • Good Faith Estimate of Settlement Costs - This details the loan amount and all related charges and fees.
  • Truth in Lending Disclosure - This lets you know what your estimated annual percentage rate of interest (APR) will be and any other program features that apply.
  • Borrowers Certification - When you sign this, you authorize that all the information you provided is correct to the best of your knowledge. It also lets us finalize the process by contacting your landlord, employer, mortgage company, etc. and getting your credit report.

3. Appraisal

Next, we order the appraisal from a licensed appraiser who is familiar with home values in your area to determine its fair market value. The appraiser visits the property and compares its features, floor plan, lot, etc. against other similar properties in the area. (You receive a copy of the appraisal.)

4. We'll contact you to coordinate your closing date.

After we receive your application package, the appraisal and the title work, we contact you to schedule your loan closing. If you are purchasing a home, we also schedule the closing with the real estate agent. The closing takes place at an approved title office in your area. A few days before closing, we contact you to walk through the final information.

5. Apply now.

Start now by applying and you will be on your way to the most convenient home loan ever! That's all there is to it.

Click here to access your web portal to eSign and upload documents.