Matt Berna - Mortgage Loan Officer

Matt Berna - Mortgage Loan Officer Mortgage Loan Officer at Bell Bank Mortgage, EHL. NMLS #2229950

Buying a home is one of life's biggest milestones, and you deserve guidance every step of the way. As your loan officer,...
08/27/2026

Buying a home is one of life's biggest milestones, and you deserve guidance every step of the way. As your loan officer, I’ll help you feel confident, informed and supported throughout the entire process.

If homeownership is on your radar, let's start the conversation.

Happy National Dog Day! Whether your furry friend dreams of a bigger yard, more room to roam or a cozy spot by the windo...
08/26/2026

Happy National Dog Day! Whether your furry friend dreams of a bigger yard, more room to roam or a cozy spot by the window, finding the right home can make a big difference for the whole family.

Drop a photo of your pup below – and if you’re thinking about making a move, reach out today!

Second closing of the day! Congrats Sam and Carin and welcome to cabin country! Great to work with Stas Manchik on this ...
08/21/2026

Second closing of the day! Congrats Sam and Carin and welcome to cabin country! Great to work with Stas Manchik on this one!

Congrats Becca on your first home!! So happy for you on your new condo! Glad I could help be part of the team! Great wor...
08/21/2026

Congrats Becca on your first home!! So happy for you on your new condo! Glad I could help be part of the team! Great work Logan Conley!

Welcome home, Addicus! Congrats on your first home! So happy for you! Awesome work Mark O'Hern Realty!
08/20/2026

Welcome home, Addicus! Congrats on your first home! So happy for you! Awesome work Mark O'Hern Realty!

First-time homebuyers, how does $1,500 toward a new home sound? The Bell Opportunity Program offers a $1,500 lender cred...
08/20/2026

First-time homebuyers, how does $1,500 toward a new home sound? The Bell Opportunity Program offers a $1,500 lender credit for eligible buyers. Best of all, it’s exclusive to Bell Bank Mortgage.

Want to learn more about this great opportunity? Reach out today!

Subject to credit approval. Income and property restrictions apply. Purchase of primary residence only. Not available in all markets. Applications must be taken between June 1, 2026, and February 20, 2027, with loan closings occurring between September 1, 2026, and April 30, 2027. Lender credit can only be applied to closing costs payable to Bell Bank Mortgage. At least one borrower must be a first-time homebuyer. Homebuyer education may be required. Program guidelines are subject to change without notice. Other restrictions apply.

As routines settle back in, it’s a great time to think about what's next for your family.If your current home feels a li...
08/18/2026

As routines settle back in, it’s a great time to think about what's next for your family.

If your current home feels a little too small, or a little too far from where you want to be, let's talk about your options.

Welcome home Zara and Ethan!! Congrats on your beautiful first home! Happy for you two and glad I could help! Awesome wo...
08/17/2026

Welcome home Zara and Ethan!! Congrats on your beautiful first home! Happy for you two and glad I could help! Awesome work John Ahnemann!

Congrats Tom and William on your amazing new home!! Glad I could help! Great work Travis Sagedahl, Sagedahl Realty!!
08/15/2026

Congrats Tom and William on your amazing new home!! Glad I could help! Great work Travis Sagedahl, Sagedahl Realty!!

For the last few years, conventional offers have sometimes overshadowed FHA and VA loans. We decided to change that.With...
08/13/2026

For the last few years, conventional offers have sometimes overshadowed FHA and VA loans. We decided to change that.

With our FHA and VA 5/1 ARM options, your interest rate stays the same for the first five years, then can adjust once a year after that, creating a lower starting point with flexibility over time.

Must be an eligible service member or veteran for the VA product. All loans are subject to credit approval, income and property restrictions may apply. Not available in all markets. Program guidelines are subject to change without notice. Other restrictions apply. 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. Escrows and full appraisal may be required.

Address

424 2nd Street
Excelsior, MN
55331

Telephone

+12629306310

Website

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