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Todd Nowek / Bell Bank Mortgage

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United States
Bloomington, MN
Todd Nowek / Bell Bank Mortgage

Todd Nowek
NMLS #332813
Bell Bank Mortgage | Equal Housing Lender

07/31/2025

Things to Know About Bell Moving Forward 140 🤔

• This is a conventional mortgage program designed for borrowers who reside in or are relocating to an eligible census tract.
• The **140% Area Median Income (AMI)** limit makes it more accessible for you to qualify!

You can secure a down payment as low as ✨ 1%✨ when combined with the Bell Moving Forward Down Payment loan!*

Subject to credit approval. Primary residences only in these states AZ, FL, KS, MN, MO, ND, NM, TN, WI. Income and property location restrictions may apply. This product requires at least one borrower to currently live in a census tract that is 50% or more minority or the subject property to be located in a census tract that is 50% or more minority. Program guidelines are subject to change without notice. Other restrictions apply.

*2nd lien mortgage (Down payment assistance) available on conforming purchases for 1-unit primary residence properties in conjunction with eligible 1st lien mortgage product. 1st mortgage required to have 95% loan to value. Income restrictions apply. Program guidelines are subject to change without notice. Other restrictions apply.

07/29/2025

Exciting news – our Doctor/Dentist Loans have just been reduced, AGAIN! 🩺 🪥

• Loan Amounts: Up to $2 million
• Options: Adjustable-Rate Mortgage (ARM) available
• Down Payment: Minimum of 5% with no mortgage insurance required

Subject to credit approval. Primary residences only in these states AZ, FL, KS, MN, MO, ND, NM, TN, WI. Must be licensed Medical Physician (MD), Doctor of Osteopathic Medicine (DO), or Dentist (DDS) employed by a hospital, physician’s group, or dental group. Program guidelines are subject to change without notice. Other restrictions apply.

07/24/2025

Our 🌟Bell Moving Forward Advantage🌟 program is designed for minority borrowers* who may not meet traditional credit standards. Pair it with a 2% Bell Moving Forward Down Payment Loan and borrowers only need to bring 1% of their own funds into the transaction!

Maximize your buying power by combining it with other community down payment programs available in your area. 🏡✨

*Subject to credit approval. Primary residences only. Income restrictions apply. Available for borrowers identifying as a minority as defined by regulatory designations listed on the initial loan application. Must not own other property. Not available in all markets. Program guidelines are subject to change without notice. Other restrictions apply.

07/22/2025

Bell’s adjustable-rate mortgages (ARMs) can give you lower rates than fixed-rate mortgages, and … a minimum 5% down and NO mortgage insurance required.

• With the 5/6, 7/6 or 10/6 adjustable-rate mortgage options, your rate will be fixed for the first 5, 7 or 10 years depending on the program. After the 5-, 7- or 10-year period, rates may vary, or the payment may increase.

Subject to credit approval. Primary residences only in these states AZ, FL, KS, MN, MO, ND, NM, TN, WI. Must be licensed Medical Physician (MD), Doctor of Osteopathic Medicine (DO), or Dentist (DDS) employed by a hospital, physician’s group, or dental group. For the Adjustable-Rate Mortgage (ARM) products, interest is fixed for a set period of time, and adjusts periodically thereafter. At the end of the fixed-rate period, the interest rate and payments may increase. Program guidelines are subject to change without notice. Other restrictions apply.

07/17/2025

NAR's recent report reveals a big trend: multigenerational home buying is at an all-time high, with 17% of homes purchased last year being for multigenerational households. These homes include more than one generation, such as adult siblings, adult children, and grandparents.

With multiple incomes under one roof, sharing financial responsibilities can ease the burden. Could this living arrangement be beneficial for you and your family?

Let’s discuss your options! 🏡✨

Copyright © May 27, 2025 “One Big Happy Household: How Families and the Data Are Shaping Multigenerational Living.” All rights reserved. Reprinted with permission. https://bit.ly/4lsVrLY

07/15/2025

Did you know that even past homeowners might qualify for first-time homebuying assistance? According to the U.S. Department of Housing and Urban Development (HUD), first-time homebuyers include; those who faced foreclosure, single parents or stay-at-home partners who co-owned a home with an ex-spouse, those who only owned a manufactured home, and individuals with property that isn’t their primary residence.

It can feel all very overwhelming to figure out, that’s why I’m here to help and let you know of these these types of things that you might not have known to help you get into a home! Ready to get started and learn more? Let’s chat.

07/10/2025

Did you know that media reports often cite mortgage rates that are more than a week old?

If you’re wondering how rates look today, reach out! I can give you up-to-the-minute answers. Let’s connect! 📲

07/08/2025

🏠 Navigating the Journey to Your First Home

Feeling overwhelmed about buying your first home? Don’t worry, I’m here to help guide you every step of the way! Here are some initial steps to kickstart this exciting adventure:

• 📝 Create a Personal Checklist: Outline the features you want in a home, your preferred locations, budget, and personal goals.
• 📄 Get Pre-Approved: Submit your application and obtain pre-approval for a mortgage.
• 🚫 Be Financially Savvy: Avoid applying for new credit cards or making big purchases on credit during this time.
• 🔍 Select a Realtor: Choose a realtor and start your search for the perfect home!
• 🌟 make your dream home a reality!
• ❓Don't hesitate to reach out with any questions – my role is to help alleviate any confusion, frustrations, or fears throughout this process, making it both exciting and memorable.

07/03/2025

🏡 Exciting News for Homebuyers!

You don't need a 20% down payment anymore! With Home Possible® and HomeReady®, you can start your journey with just 3% down. Plus, there are options for down payment assistance up to 2% of the purchase price. 🙌

Partner with me, and I'll guide you through every step, ensuring you understand all your options. Let's connect and explore your possibilities! 📱✨

Subject to credit approval. Income and property location restrictions apply. Program guidelines are subject to change without notice. Not available in all markets. Other restrictions apply. Homebuyer class required for some downpayment assistance programs.

07/01/2025

🏡 Bell has an amazing loan product for Physicians and Dentists! Check out these incredible benefits:

• 95% LTV (loan to value) with NO mortgage insurance
• Qualify with just a signed employment contract
• Special considerations for student loans
• Loans up to $2 million

Let's connect and explore how Bell’s Doctor loan can make your dream home a reality! 🩺🔑

Subject to credit approval. Primary residences only in these states AZ, FL, KS, MN, MO, ND, NM, TN, WI. Must be licensed Medical Physician (MD), Doctor of Osteopathic Medicine (DO), or Dentist (DDS) employed by a hospital, physician’s group, or dental group.

06/26/2025

🎉 Exciting news from Bell! 🎉

We’ve slashed our second home pricing down to **6.75%**! Want to learn more? Let’s chat! 📲✨

*Subject to credit approval. Adjustable-Rate Mortgage (ARM) products have a fixed interest rate for a set period of time and adjust periodically thereafter. At the end of the fixed-rate period, the interest rate and payments may increase. Program guidelines are subject to change without notice. Other restrictions apply. Escrows and full appraisal may be required. Max loan amt subject to Portfolio current guideline for 2nd home. Required Bell Bank Checking with ACH payment method for discounted rate. Bell Bank Checking ACH discounted rate includes termination penalty of 1.00% of the original unpaid principal balance. Payment estimates do not include taxes and insurance; therefore the actual payment obligation will be greater. Rate information is current as of 6/26/25 and based on a 740 credit score and a 30-day rate lock. Payments based on a $500,000 purchase price with a 20% down payment and 7.027% APR. For Applications taken 6/26/25 through 12/31/25, must close by 6/1/26. This is not a commitment to lend. Available in these states ND, MN, WI, KS, MO, IL, AZ, NM, FL

06/24/2025

Want to make savvy financial decisions? Understanding mortgage terms like interest rate, APR, loan term, and closing costs is helpful! Here's a quick guide to boost your confidence:

🔹 Interest Rate: The cost of borrowing, expressed as a percentage of the loan amount.
🔹 APR (Annual Percentage Rate): The comprehensive cost of your loan, including interest and fees, shown as an annual rate.
🔹 Loan Term: The duration you'll be paying off the loan, usually in years.
🔹 Closing Costs: Fees and expenses at loan closing, like origination and appraisal fees.

Get empowered and navigate your mortgage journey with ease! 💪🏡

PS- Don’t worry. I’ll be there every step of the way to explain all parts of the mortgage process and explain what terms mean if there is any confusion.

Address

3800 American Boulevard W, #1450
Bloomington, MN
55431

Opening Hours

Monday	8am - 5:30pm
Tuesday	8am - 5:30pm
Wednesday	8am - 5:30pm
Thursday	8am - 5:30pm
Friday	8:30am - 5:30pm

Telephone

+19529055577

Website

http://www.toddnowek.com/

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