Bell Financial Group nmls#2066

Bell Financial Group nmls#2066 Bell Financial Group is your full-service mortgage lender and mortgage broker!
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Bell Financial Group is a trusted name in the mortgage industry that has been faithfully serving its local communities for over 27 years. We take pride in our commitment to providing personalized and efficient service to all our customers. Our dedicated team of mortgage professionals offers a wide range of services, including first-time home buyer programs, refinancing options, and advice on inves

tment properties. With our extensive knowledge and understanding of the local market trends, we can provide the best mortgage solutions tailored to each individual's needs. Our longevity in the business is a testament to our unwavering dedication to customer satisfaction and our ability to navigate the ever-changing real estate landscape. Choose Bell Financial Group for all your mortgage needs - where we make your home ownership dreams come true.

When the income file includes 1099s, a lender usually looks for a cleaner paper trail than a simple pay stub review. For...
09/08/2026

When the income file includes 1099s, a lender usually looks for a cleaner paper trail than a simple pay stub review. For veterans who are self-employed or mix military income with contract work, the fix is to gather tax returns, business docs, and year-to-date records before underwriting asks for them.

A common mistake is treating uncertainty like a reason to pause every decision. For a buyer with 1099 income, student lo...
09/07/2026

A common mistake is treating uncertainty like a reason to pause every decision. For a buyer with 1099 income, student loans, or a recent job change, the better move is to separate what is fixed from what needs documentation: tax returns, pay stubs, bank statements, and a clean explanation for any gaps. That turns a vague concern into a file that can actually be reviewed.

If escrow does not cover taxes, the bill still arrives. A practical move is to look at the county tax schedule early, th...
09/06/2026

If escrow does not cover taxes, the bill still arrives. A practical move is to look at the county tax schedule early, then set up an automatic transfer into a separate savings account so the money is already there when the due date hits. That is especially useful for buyers moving from renting, where the tax bill was never their problem.

A contractor with strong income but a short credit file can run into avoidable friction. The checklist move is simple: l...
09/05/2026

A contractor with strong income but a short credit file can run into avoidable friction. The checklist move is simple: leave older accounts open, avoid opening new credit right before applying, and make sure your 1040s and 1099s tell the same story as your bank statements. That gives the underwriter less to question. Compare this to your situation. https://bit.ly/3TLbpIq

A veteran using a VA loan can stay competitive by trimming avoidable conditions, but only if the file is clean first. Be...
09/04/2026

A veteran using a VA loan can stay competitive by trimming avoidable conditions, but only if the file is clean first. Before an offer goes out, make sure the Certificate of Eligibility is ready, the lender has verified income, and any repair concerns are addressed so the seller does not see extra friction later. The goal is not to remove protection blindly; it is to remove delays that do not help the deal.

What should a first-time buyer in uniform check first? Eligibility rules and the exact benefit stack, because assistance...
09/03/2026

What should a first-time buyer in uniform check first? Eligibility rules and the exact benefit stack, because assistance can vary by employer, loan type, and whether the property is for primary residence use. A common mistake is assuming the first quote is the final answer; instead, compare the loan structure, required documents, and any closing cost assistance before you commit. Walk through the steps. https://bit.ly/3RozVhW

Could a first home be more realistic with an FHA or USDA loan than with a conventional one? The difference often shows u...
09/02/2026

Could a first home be more realistic with an FHA or USDA loan than with a conventional one? The difference often shows up in the down-payment rules, property location, and how much cash you need left after closing, so it helps to compare the program fit before you start shopping.

The biggest mistake first-time buyers make is treating the search like the whole process. A stronger move is to get pre-...
09/01/2026

The biggest mistake first-time buyers make is treating the search like the whole process. A stronger move is to get pre-approved first, then compare homes in the price range that fits your file, including any student loans, 1099s, or gift funds that may need extra documentation. That way, the offer stage is about the right house, not a scramble for paperwork.

Many first-time buyers assume one loan path fits every file. That's where FHA, VA, USDA, and conventional each matter: o...
08/31/2026

Many first-time buyers assume one loan path fits every file. That's where FHA, VA, USDA, and conventional each matter: one may be better for lower down payment, another for military borrowers, and another for a rural property. The practical move is to ask which program matches the property, occupancy, and documentation before shopping too far.

What separates a quick sale from a lingering one is often the first showing experience, not just the listing photos. A r...
08/30/2026

What separates a quick sale from a lingering one is often the first showing experience, not just the listing photos. A realistic example: a family touring after work may notice odors, clutter, or loud wall colors before they ever compare the floor plan. That is why a simple prep plan matters, especially when the goal is to appeal to a broad pool of buyers. Compare this to your situation. https://bit.ly/4xf0qpt

Address

1833 East 17th Street
Ammon, ID
83404

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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