Larry Kowalczyk

Larry Kowalczyk

Senior Mortgage Loan Officer
NMLS #284851

“I am committed to finding the right mortgage for you!”

5500 Wayzata Boulevard Suite 300
Minneapolis, MN 55416

I have dedicated my career to developing and maintaining a comprehensive understanding of the mortgage business. For most people, your home is the largest and most important asset of your financial plan. It is critical to work with someone who will take the time to listen to your needs. The lowest interest rate or payment on the wrong mortgage program can be very costly. With my 25+ years of mortgage banking/real estate experience, my commitment is to deliver professional and personalized service, customized to meet the objects that my customers desire.

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.

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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.

  • Everyone I have sent your way has come back and said, “Thanks for the referral,” because they have been very happy and satisfied with the service you have provided. It is your professionalism that keeps me sending/referring people to you.

  • You clearly have your clients’ best interest in mind by making sure that it is the best deal for them. I will absolutely think of you when I have clients who need financing.

  • Thank you again for all your efforts in getting us in our new home. We are surrounded by boxes and eating take-out, but at least we are in! I know you and your team did not make enough money off this loan to justify the time it took to do the other company's job for them as well. The professionalism of you and your team was commendable, thank you.

  • Thank you for the smooth transaction! It was great working with you, and I will certainly recommend you to anyone who asks me about a lender. You were the best part of the transaction, and I appreciate your knowledge and responsiveness.

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.