07/17/2025
One thing that sets Bell apart is the number of loan programs that we offer—
Conventional: These are standard mortgage loans not backed by government programs. They offer broad flexibility for different buyers and properties.
First-Time Homebuyers/Down-Payment Assistance: We provide several first-time homebuyer programs that offer lower rates, fewer risk-based pricing adjustments, reduced mortgage insurance costs, and potential down payment assistance through grants. These programs make homeownership more accessible.
FHA: These loans have more lenient requirements, making them easier to qualify for.
VA: Designed for eligible veterans, active duty members, and military spouses, these loans require no down payment and offer special terms.
USDA: Created to encourage homeownership in designated rural and underdeveloped areas, they offer 0% down payments and flexible credit requirements.
Jumbo: For properties exceeding the conforming loan limit of $766,500, jumbo loans provide the necessary financing. Due to the higher amounts involved, these loans require larger down payments, stronger credit, and stricter debt-to-income ratios.
Construction: We offer financing for new construction, lot purchases, and rehabilitation projects.
Doctor: We offer a loan designed for medical professionals with a low down payment, lower rates, and no mortgage insurance.
Bridge: A short-term solution to bridge the gap between selling your current home and buying a new one.
Refinance: Refinancing allows you to modify the terms of your existing loan, whether it’s lowering your interest rate, changing your payment schedule, or tapping into your home’s equity.
HELOC: A Home Equity Line of Credit enables you to borrow against the equity in your home, providing flexible access to funds as needed.
Investment Properties: For those looking to purchase a second home or rental property, these loans are tailored for single-family homes, multi-unit properties, and vacation rentals, with specific requirements differing from those for primary residences.
Vacation Homes: Financing for a secondary residence intended for personal use. These loans are not intended for generating rental income.
