Joel Terrill at Bell Bank Mortgage

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Joel Terrill at Bell Bank Mortgage NMLS #255385
Equal Housing Lender

10/17/2026

It’s not a trick question. It’s just a question with one answer.

Pay stubs tell me what you earn. Bank statements tell me where the down payment is coming from, and that it’s been sitting there minding its own business.

Different jobs, both required, no hard feelings.

The Terrill Mortgage Team
Bell Bank Mortgage
3683 S Val Vista Drive
Gilbert, AZ 85297

Joel Terrill 602-430-0835
[email protected]
Jacob Terrill 602-419-9501
[email protected]
Licensed in 37 states

We’ll see you at the Southwest Builders Show! 🏡Scan the QR code for a complimentary Exhibit Hall Pass and come connect w...
10/16/2026

We’ll see you at the Southwest Builders Show! 🏡
Scan the QR code for a complimentary Exhibit Hall Pass and come connect with Bell Bank Mortgage!

Yes, I rank everything like a loan. Halloween never stood a chance.Full size bar people, you want one payment for 30 yea...
10/16/2026

Yes, I rank everything like a loan. Halloween never stood a chance.

Full size bar people, you want one payment for 30 years and you never want to think about it again.

Fun size people, you figured out that getting in the door beats waiting for perfect.

Candy corn people, you’ve been defending your choices since kindergarten, and as long as you have a plan for when that rate adjusts, respect.

Raisin people, everyone else assumed they didn’t qualify and you actually asked. Secretly a superpower.

Tell me which one you’re shopping for and I’ll run the numbers for you.

The Terrill Mortgage Team
Bell Bank Mortgage
3683 S Val Vista Drive
Gilbert, AZ 85297

Joel Terrill 602-430-0835
[email protected]
Jacob Terrill 602-419-9501
[email protected]
Licensed in 37 states

Builders, let’s rodeo! 🤠🏠 Come see Bell Bank Mortgage at the Southwest Builders Show. Scan the QR code for your complime...
10/15/2026

Builders, let’s rodeo! 🤠🏠
Come see Bell Bank Mortgage at the Southwest Builders Show. Scan the QR code for your complimentary pass!

There is the version of this job where I answer your question carefully, and there is the version where I tell you what ...
10/15/2026

There is the version of this job where I answer your question carefully, and there is the version where I tell you what I would tell a friend.

The careful version is technically correct. The friend version is the one that keeps you comfortable after you move in.

The friend version sounds like this: just because the letter says you can borrow it does not mean your life can afford it.

That “free” lender credit has a price, it is just paid monthly.

None of that is rude. It is just the part people do not always hear, because “you’re approved” is the easier thing to say.

Send me your price range and I will give you the friend version of your numbers.

The Terrill Mortgage Team
Bell Bank Mortgage
3683 S Val Vista Drive
Gilbert, AZ 85297

Joel Terrill 602-430-0835
[email protected]
Jacob Terrill 602-419-9501
[email protected]
Licensed in 37 states

There’s something special about fall weekends at home. From hosting a bonfire in the backyard to carving pumpkins at the...
10/15/2026

There’s something special about fall weekends at home. From hosting a bonfire in the backyard to carving pumpkins at the kitchen table, there are plenty of ways to enjoy the season.

Vote for your favorite fall home activity with an emoji in the comments below:

🍎 Baking an apple pie

🎃 Carving pumpkins

🏈 Watching football

🔥 Hosting a bonfire

🍂 Raking leaves

10/14/2026

FHA is a great loan. It is also not the right loan for everyone, and I would rather you hear that before you apply.

Who should probably skip it:

1. Buyers with strong credit and a solid down payment. Conventional may price better, and conventional mortgage insurance can come off once you build enough equity.
2. Condo buyers whose building is not FHA approved. If the building is not on the list, FHA may not work for that unit.
3. Anyone buying a house that needs big repairs before move in. FHA has property condition standards, and a rough house can hold up your approval.
4. Buyers shopping above the FHA loan limit in their county. Limits are set by county and updated every year.
5. Anyone buying a place they will not live in. FHA is for your primary home.

Who it is great for: buyers who need more flexibility on credit or down payment, and want a loan built for getting started.

The best way to know is to see FHA and conventional side by side on your own numbers. That comparison is the first thing I run for most buyers.

The Terrill Mortgage Team
Bell Bank Mortgage
3683 S Val Vista Drive
Gilbert, AZ 85297

Joel Terrill 602-430-0835
[email protected]
Jacob Terrill 602-419-9501
[email protected]
Licensed in 37 states

Renting and buying both provide a place to call home, but when it comes to your monthly payment, they work a little diff...
10/13/2026

Renting and buying both provide a place to call home, but when it comes to your monthly payment, they work a little differently.

As a renter, your payment goes to your landlord. As a homeowner, a portion of your mortgage payment goes toward paying down your loan principal and building equity in your home over time.

Wondering whether buying could be right for you? Let's connect and compare your options so you can make the best decision for your goals.

Honestly, my call history would not hold up well in court either. But every strange thing I say gets someone one step cl...
10/13/2026

Honestly, my call history would not hold up well in court either. But every strange thing I say gets someone one step closer to their keys.

Thinking about 🏡 buying? Let’s talk before you start touring homes.

The Terrill Mortgage Team
Bell Bank Mortgage
3683 S Val Vista Drive
Gilbert, AZ 85297

Joel Terrill 602-430-0835
[email protected]
Jacob Terrill 602-419-9501
[email protected]
Licensed in 37 states

10/12/2026

How many listings are sitting in your camera roll right now? Be honest.

Next time you screenshot one, don’t just wonder. The answer to “could I afford this?” isn’t the list price. It’s the monthly payment and the cash you’d need at closing, and it’s easier to figure out than most people think.

Send me the screenshot and I’ll walk you through what that home would actually cost you each month.

The Terrill Mortgage Team
Bell Bank Mortgage
3683 S Val Vista Drive
Gilbert, AZ 85297

Joel Terrill 602-430-0835
[email protected]
Jacob Terrill 602-419-9501
[email protected]
Licensed in 37 states

Address

3683 S. Val Vista Drive
Gilbert, AZ
85297

Opening Hours

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

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