Michelle Shull Mortgage Banker NMLS 501971

Today is International Day of Charity, which is very important to us at Bell.

Our Pay It Forward program allows us to give back to our community!

Click below to see some videos highlighting just a few of our Pay It Forward stories!

Pay It Forward Bell Bank's Pay It Forward program has become a tradition, building on the bank's mission of giving back to the communities we serve. Bell Bank's owners say ...

Bell Yeah!

Here’s to a relaxing Labor Day!

Enjoy it! You’ve earned it.

Working closely with Bell will help ensure your loan approval process is smooth and hassle-free. Providing requested information in a timely manner and responding to requests for clarification or supporting documentation expedites the entire process.

Our latest Bell Moving Forward 140 loan program simplifies the path to realizing your homeownership dream. By participating, you become eligible for a $1,000 grant to assist with your down payment or closing expenses.

*Subject to credit approval. Income and property location restrictions may apply. Program guidelines are subject to change without notice. Not available in all markets. Other restrictions apply.

Take time for you. 😊

Your dream of owning a home someday may be closer than you think!

At Bell, we make the mortgage process smooth and easy so you can sleep peacefully knowing your mortgage is in good hands.

Give me a call today to learn how we can get you on the road to homeownership!

A good rule of thumb is to consider refinancing if your mortgage rate is more than 1% higher than current rates. Even if your current mortgage interest rate isn’t full percentage point above current rates you may still benefit.

If you're considering Refinancing your Home Mortgage, consider these steps! Let's chat about it in the comments.

Refinancing your mortgage means taking out a new loan to pay off your original home loan. When rates are lower than your current rate, refinancing your mortgage may help you reach several financial goals, including:

- Saving money on your mortgage
- Lowering your monthly payment
- Paying off your home loan sooner
- Switching from an adjustable rate to a fixed rate mortgage
- Paying off bigger expenses or paying for home improvements

If you’re ready to refinance your home loan, Bell Bank Mortgage is here to help. We have a simple philosophy - we treat our customers how we would like to be treated. Your loan is not just another deal to us - it’s a big step on your journey to reaching your financial goals.

Get up to $1,000** when you refinance your mortgage with Bell! We’re excited to announce a $500 lender credit on your refi. Plus, you can get $500 when you switch your personal checking to Bell. The choice is yours! Talk to any Bell Bank Mortgage loan officer to find out if the time is right for you.

*Lender credit offer valid for all RESPA refinance applications taken on or before Dec. 31, 2024. This is not a commitment to lend. Subject to credit approval. Must be a refinance. Program guidelines are subject to change without notice. Other restrictions may apply. Loan must close with Bell Bank Mortgage to receive the credit.

** Checking bonus offer valid for mortgage loans closed on or before Dec. 31st, 2024. We will deposit $500 after the new first-time Bell Bank personal checking account has been active 60 days with (1) two or more recurring direct deposits totaling $1,500 or greater, excluding transfers from another bank, and (2) 10 point-of-sale debit card transactions or a recurring automatic payment. Bonus will be deposited within five business days after qualifications are met. Limit of one bonus per household and per account. This promotion is available to mortgage loan customers with a current promo code opening a new first-time Bell Bank personal checking account following the closing of their mortgage. New customer may receive Form 1099-MISC for any income they received from us. $50 minimum deposit to open. Promo code: MORTGAGE500. Bell Bank - Member FDIC.

Buying your first home should be exciting, not scary!

Some advantages of purchasing a home are:
- It's a personal investment
- Helps build credit
- It's YOUR home to personalize

Ready to buy?! Let's help make it happen!

Did you know your home can help you consolidate debt, cover college costs and allow you to finally remodel that part of your house you’ve always wanted to improve?

Give me a call to find out how your home can help you finance your dreams!

Did you know, when you close with Bell, your mortgage is just one aspect of what we monitor?

Reach out to find out how much money you could save each month by refinancing!

Get up to $1,000** when you refinance your mortgage with Bell! We’re excited to announce a $500 lender credit on your refi. Plus, you can get $500 when you switch your personal checking to Bell. The choice is yours!

Give me a call today to find out if the time is right for you!

*Lender credit offer valid for all RESPA refinance applications taken on or before Dec. 31, 2024. This is not a commitment to lend. Subject to credit approval. Must be a refinance. Program guidelines are subject to change without notice. Other restrictions may apply. Loan must close with Bell Bank Mortgage to receive the credit.

** Checking bonus offer valid for mortgage loans closed on or before Dec. 31st, 2024. We will deposit $500 after the new first-time Bell Bank personal checking account has been active 60 days with (1) two or more recurring direct deposits totaling $1,500 or greater, excluding transfers from another bank, and (2) 10 point-of-sale debit card transactions or a recurring automatic payment. Bonus will be deposited within five business days after qualifications are met. Limit of one bonus per household and per account. This promotion is available to mortgage loan customers with a current promo code opening a new first-time Bell Bank personal checking account following the closing of their mortgage. New customer may receive Form 1099-MISC for any income they received from us. $50 minimum deposit to open. Promo code: MORTGAGE500. Bell Bank - Member FDIC.

It’s August which means it’s time to start thinking about Back To School!

It’s important to make sure that you have everything you need to be successful. Which is the same mindset you should have with your mortgage!

Give me a call today to schedule your annual mortgage review so we can make sure you have all the tools you need to be successful in your mortgage!