Your Mortgage Solution Team

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Larry Kowalczyk

Mortgage Loan Officer NMLS# 284851

EMAIL

OFFICE

952-905-5400

CELL

612-600-5626

ADDRESS

5500 Wayzata Blvd., Suite 300, Minneapolis, Minnesota 55416

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Sweepstakes sponsored by Larry Kowalczyk/Bell Bank Mortgage 15490 101st Avenue N. Suite 150 Maple Grove, MN 55369. No purchase necessary. Must enter by 11:59 P.M. on April 22nd 2024. Register to win by emailing YourLoanTeam@bell.bank or by calling at 952-905-5377. One entry per person. Four winners will receive two tickets in the Infield Box level for one of the following games: Sunday July 21, 2024 at 1:10pm vs Milwaukee Brewers (value $99/ticket), or Saturday August 10, 2024 at 6:10pm vs Guardians (value $81/ticket.) Prizes are not refundable. 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. 4 winners will be chosen by a random drawing on April 24th 2024. Winners will be contacted via email or phone call depending on how they entered.  Winners must claim their prize within 24 hours of drawing.  If winner does not claim prize within 24 hours an alternate winner will be selected via a random drawing. The winners list will be available upon request after the sweepstakes has closed. To receive a copy of the winners list, please email YourLoanTeam@bell.bank. The winners agree that their names and likeness may be used for publicity purposes without additional compensation. The winners release Bell Bank for any liability and indemnifies in connection with the prize.

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 55 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.

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. As a team, we can assure you that you'll always get prompt responses to any questions that arise.

Team Information:

Kristi Baetsen

Associate Loan Officer

Kristi Baetsen
NMLS# 1137149

kbaetsen@bell.bank
C: 612-810-2513 O: 952-905-5377
Joelle Foran

Associate Loan Officer

Joelle Foran
NMLS# 1736836

jforan@bell.bank
C: 612-600-5308 C: 952-905-5516

Expertise and Specialties

  1. First-time Homebuyers
  2. Vacation/Second Homes
  3. Investment Properties
  4. Construction & Renovation Loans
  5. Refinance
  6. Move Up Buyers
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  • The entire process was very smooth. I felt informed about the timeline and what I was responsible for supplying/completing. The team was extremely responsive and helpful when I had any questions. I've heard from other friends and family that securing a house loan can be a stressful, frustrating process. I am happy that this was nothing like my experience working with Bell Bank.
    - Lisa

Tools and Resources

MortgageMapp

Download my electronic business card and get resources to help with your mortgage research.
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Receive 24/7 access to various tools and calculators to help you research mortgage or refinance options. You can easily share this app with friends and family.

With access to multiple investors, we give clients the flexibility of highly competitive rates and a wide variety of loan programs. We have access to portfolio financing, which provides clients with more financing options.

Benefits:

  • Calculate payments
  • Real-time rate trends
  • Request a pre-approval
  • Share with family friends & clients
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Homebuyer Education

Each program has different homebuyer education requirements.  Contact me to talk through the right homebuyer education course for you. Click Details below to view program links.
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Popl

Click the link to download my digital business card!
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With the Popl digital business card, you can make sure that you have my most up-to-date contact information!
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Honors and Awards

  • Bell Bank's Presidents Club recipient for the past 20 years

Community Involvement

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