Eric has lived his entire life in Minnesota. He is married with 3 children. He graduated from Mankato State University in June of 1991 and began his career in the Mortgage world shortly after that. For the better part of the past 17 years, he has worked for Bell Mortgage as a Senior Loan Officer achieving the President Club designation based on closed loan volume each and every year. Listening to your needs and concerns is the foundation of our business. Earning your Trust and preparing advice with Integrity is something that I strive for each and every day. With the many changes that this industry continues to face, I continue to learn and give advice based on what is in your best interest. My goal to create such a strong relationship with each and every client that you feel compelled to refer the people you genuinely care about, not to help me, but because you want them to be taken care of the same way I took care of you. I look forward to the opportunity of meeting you soon!
Welcome to the online loan worksheet. First, I'd like to gather some information about you, the primary borrower. Where you've lived for the past two years, where you've been employed for the past two years and some information about assets you may have.Apply Now
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.
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.
Home Financing Calculators
- Should I refinance?
- How much will my fixed rate mortgage payment be?
- How much will my adjustable rate mortgage payments be?
- How much will my payments be for a balloon mortgage?
- Should I rent or buy?
- Which mortgage is better for me?
- How much will I save by increasing my mortgage payment?
- How much mortgage might I qualify for?
- How much home can I afford?
- Should I consolidate my loans?
Eric has been a fantastic business decision for my team! I was tired of the hassles of working with the in-house lender in regards to closings being extended, excuses being made, and a lack of performance.
It has really been a breath of fresh air working with Eric from Bell Mortgage. There are never any hiccups that he causes and the transaction seems to move along flawlessly! Every time I check on the transaction, all the T's have been crossed and I have nothing to worry about!
The best words to summarize your service were PROFESSIONAL, ETHICAL, RESPECTFUL and HONEST. You took into account our needs and walked with us during each step until the day of closing, and even after with all my questions. I have already referred your name to colleagues and will continue to do so. Now I am looking forward to work with you the refinance of our mortgage when the market gets better.
Thanks again for making us feel valued and respected!
Ana maria Gomez
I’ve been recommending my clients to Lynn for years because she possesses the rare combination of attention to detail, big picture perspective and bottom-line focus. Her warm personality and great sense of humor makes what can be a difficult process into an enjoyable experience for her clients. If you’re a first time home buyer or someone looking to do a million dollar refinance-Lynn will treat you like family.
Coldwell Banker Burnet
Eric and Lynn are the only loan officers that I trust when it comes to working with my clients and actually getting them fully approved for their loan. When they says we are good to go, I can sleep at night knowing that their will be no surprises at closing.
Closing went great...thank you so much for all your help and for answering all my questions(I know I had a lot :D).
About Super Mortgage Professionals
Eric Bloomstrand was named to the 2011, 2012, and 2013 list of Super Mortgage Professionals, independently chosen by the homeowners they serve and approved by industry leaders. This annual list is compiled by Twin Cities Business, Minneapolis-St. Paul magazine and Crescendo Business Services, an Eagan-based market research company. It includes only about 130 mortgage professionals who successfully navigate mortgages.
Mortgage professionals named to the list were graded on customer service, integrity, market knowledge, communication, closing preparation, finding the best rates and overall satisfaction. Each professional went through a rigorous screening process, then was reviewed by a panel of mortgage and real estate industry experts selected to participate in the process based on their experience and knowledge of the industry.
About Bell Mortgage
Helping our customers find the smart way home for more than 130 years, Bell Mortgage has a reputation for exceptional service and high integrity standards. Our culture centers on customer care and transparency from first contact. We help simplify what is often a very complex system. Applying for a loan is made easy, as our loan officers walk you through the process and the documents needed to support your loan request. Plus, our state-of-the-art technology helps make the mortgage process as stress-free as possible.
We believe that relationships are the key to our continued success and are dedicated to creating the simplest, fastest, efficient and most satisfying experience for our borrowers. You’ll see the Bell Mortgage difference as soon as you meet with one of our loan officers. We take the time to truly get to know you and your financial situation.
The History of Bell Mortgage
In 2011, Minneapolis-based Bell Mortgage became a part of what was then State Bank & Trust, in a history-making venture for both companies. Bell Mortgage has literally been a part of Minnesota since the state’s infancy. The oldest and largest independent mortgage banking company in Minnesota, it was founded in 1880 by early Minneapolis leader David C. Bell. Since then, Bell Mortgage has added locations throughout the Twin Cities and in Phoenix, developed its own proprietary technology for processing and underwriting, and has thousands of family mortgages to its name.
In 2012, State Bank & Trust rebranded as Bell State Bank & Trust, taking on the Bell name to give a more unique identity to a known and respected regional brand.
The History of The Business Bank and Prime Mortgage
In early 2013, Bell State Bank & Trust announced its intention to acquire The Business Bank and Prime Mortgage, both based in Minneapolis. Formed in 1999, The Business Bank acquired Prime Mortgage in 2007 to widen its range of products and combine resources to continue to grow.
Prime Mortgage was founded in 1985, growing from a single small office to multiple offices around the Twin Cities and an office in Florida. Prime Mortgage has ranked as one of the largest independent mortgage companies in Minnesota.
Our Commitment to You
Over the years, we have worked with thousands of individuals and families, making home ownership a reality for them. We would love the opportunity to work with you. At Bell Mortgage, we process, underwrite and close your loan within the walls of our office. In-house administration of your loan means we can ensure a quick, accurate and smooth process all the way to closing day. And we work in harmony with local and national lending sources to find you the best possible rate and terms.