Mitch Jindra / Bell Bank Mortgage

07/30/2025

Can you purchase a home with 0% down payment?

Yes, you can when using the USDA Rural Development program!

As long as you meet income limit criteria (varies by county) and you’re purchasing your primary residence in an eligible area, this could be the program for you.

DM me for more information on this great opportunity for home ownership without the large down payment.

05/31/2025

Exciting Update: Second Home Pricing Has Improved!

*Subject to credit approval. Max loan amt subject to Portfolio current guideline for 2nd home|ACH required otherwise 0.250% higher rate | 7/6 intentionally priced the same as the 5/6 ARM. Payment estimates do not include taxes and insurance; therefore the actual payment obligation will be greater. Rate information is current as of 5/29/25 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 7.104% APR. Rates are based on borrowers’ ability to qualify and are subject to market fluctuations which may change the rates without notice. For Applications 5.30.25 through 12.31.25, must close by 6.1.26. Other conditions apply. This is not a commitment to lend.

09/15/2024

Venezia • Varenna • Firenze • Roma 🇮🇹

08/07/2024

Rates are dropping – is it time to think about a refi? Now, you can get a $500 lender credit when you refinance your mortgage with Bell … plus, you can get $500 when you switch to America’s Best Checking™! To get started, contact your Bell Bank Mortgage loan officer to talk about refi options. (https://bell.bank/mortgage/loan-officer)

*Lender credit offer valid for all RESPA refinance applications taken on or before Dec. 31, 2024. This is not a commitment to lend. Subject to credit approval. Must be a refinance. Program guidelines are subject to change without notice. Other restrictions may apply. Loan must close with Bell Bank Mortgage to receive the credit.

** Checking bonus offer valid for mortgage loans closed on or before Dec. 31st, 2024. We will deposit $500 after the new first-time Bell Bank personal checking account has been active 60 days with (1) two or more recurring direct deposits totaling $1,500 or greater, excluding transfers from another bank, and (2) 10 point-of-sale debit card transactions or a recurring automatic payment. Bonus will be deposited within five business days after qualifications are met. Limit of one bonus per household and per account. This promotion is available to mortgage loan customers with a current promo code opening a new first-time Bell Bank personal checking account following the closing of their mortgage. New customer may receive Form 1099-MISC for any income they received from us. $50 minimum deposit to open. Promo code: MORTGAGE500. Bell Bank - Member FDIC.

03/06/2024

The Tuesday Tip this week: The new MN First Generation Homeownership Down Payment Assistance program will be available soon! You may eligible for up to $35,000 in down payment and closing cost assistance!

If one of your parents/guardians never owned a home or lost their home due to foreclosure, you may be eligible to receive $35,000 toward the purchase of your own home. This program will work in combination with any standard first mortgage. And with enough time spent in the home, this assistance loan is forgivable!

The program is not 100% live just yet. All indications are that funds will be available as soon as this spring.

However, you can get started on the pre-approval process now so that you are fully ready to take advantage when the funds are live. Reach out to me today so we can have you prepared!

02/13/2024

The Tuesday Tip this week: “What NOT to do during the mortgage pre-approval process.”

There are several things that can negatively impact your ability to qualify for a home that you may not even realize. Some of these are more impactful than others. Some may be more or less critical depending on your timing.

Bottom line: If you are considering purchasing a home, please contact me before making other financial decisions. We can come up with a strategy or alternative option to make sure you are still able to qualify for the home you desire!

01/13/2024

Do I need to walk on the court to fix that?

01/06/2024

Hi Everyone! It appears my original Wild ticket post was targeted and a link appeared next to your comment. Do NOT click on this link as it was not posted by me or has any affiliation with the giveaway. I’m sorry for the inconvenience and I will get this corrected asap. I do have a record of who has commented so do not worry, you are still entered to win even if I need to delete the post.

12/28/2023

If you’ve been thinking about getting pre-approved for a home, it could be a good time to take a look. Interest rates are starting to trickle down reaching their lowest levels in many months. Reach out to me and let’s get you preapproved before the craziness of the spring market!

Mortgage rates are down again this week — the lowest level since May. The rate on the 30-year fixed mortgage declined to 6.61% from 6.67% the week prior, according to data released by Freddie Mac on Thursday.

12/05/2023

Quick weekend getaway to Sarasota/St. Petersburg FL with

10/06/2023

Rain, wind, and cold? No problem! We still managed to take home first place in the Big Brothers/Big Sisters Golf Scramble. Really proud of how our team performed despite some brutal conditions. A fun day for a great cause!

10/05/2023

Fannie Mae has come out with a MAJOR enhancement to 2-4 unit homes. Only 5% down payment will be required for a Conventional mortgage when you will occupy one of the units starting Nov 18. And remember, you can use the rental income from the others to help qualify! Reach out to me if you are interested in knowing more! www.mitchjindra.com