Kala Wilson / Bell Bank Mortgage

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Minneapolis, MN
Kala Wilson / Bell Bank Mortgage

Bringing you home since 2012
NMLS 1381070

06/09/2026

🏡 Want to buy your next home before selling your current one?

Many homeowners hear the term “Bridge Loan” and immediately think it sounds complicated or risky. The reality? It’s often much simpler than people expect.

A bridge loan functions much like a home equity line of credit (HELOC), allowing you to access the equity in your current home to help fund the purchase of your next one before your existing home sells.

✅ Buy before you sell
✅ Avoid moving twice or temporary housing
✅ Make a stronger offer in a competitive market
✅ Access your home’s equity for your down payment

In today’s spring and summer market, the best homes don’t always wait for your current home to sell. A bridge loan can provide the flexibility you need to move when the right opportunity comes along.

If you’ve been wondering how to make a move without selling first, let’s talk. You may have more options than you think.

BuyBeforeYouSell HomeEquity MortgageTips KalaBringsYouHome

06/08/2026

If any of that hits close to home, let's talk. I work with people every day who thought homeownership was out of reach and just needed someone to show them what was actually possible. That conversation is always free and always worth having!

📲 612-760-3268
📧 [email protected]

06/03/2026

Not sure if refinancing makes sense for you right now? That is exactly the right question to be asking. The answer depends on your current rate, your credit, how long you plan to stay in the home, and what you are hoping to accomplish.

If any of those sound relevant to your situation, it is worth a conversation. Right now Bell is offering up to $1,000 in savings when you refinance with us. Reach out and let's see if the numbers make sense for you.

📲 612-760-3268
📧 [email protected]

06/01/2026

Owning an S-Corp and a rental property does not disqualify you from getting a mortgage. It just means your file requires a more detailed review and the right documentation upfront.

Lenders will calculate your income using your W-2, your K-1, and business performance adjustments. Your rental income will be averaged over two years. And if business funds are part of your down payment, a CPA letter may be needed to confirm those funds can be used without impacting the business.

The good news is that when everything is organized and submitted correctly, this type of file moves smoothly. If you want help getting ahead of the paperwork or understanding how your income will be structured, reach out and let's talk through it.

📲 612-760-3268
📧 [email protected]

05/29/2026

Tom, thank you so much for the kind words. It was a pleasure working with you and helping everything feel smooth and straightforward!

I’m always here if you need anything moving forward.

05/27/2026

The final walk-through is your last opportunity to confirm everything is in order before you get the keys. It is not a new inspection. It is simply your chance to make sure the home is in the same condition as when you made your offer and that any repairs were completed as agreed.

Test the appliances, run the water, check the HVAC, and walk the exterior too. Bring your inspection report, a flashlight, and your phone to document anything that looks off. A little preparation here goes a long way.

If you are getting close to closing and have questions about what to expect, reach out anytime.

📲 612-760-3268
📧 [email protected]

05/25/2026

Escrow is one of the most commonly used terms in real estate and one of the least explained. Here is what you actually need to know.

If you have questions about how escrow works for your loan, reach out anytime!

📲 612-760-3268
📧 [email protected]

05/22/2026

Before you apply for a mortgage there is a number worth knowing beyond just your credit score. It is your debt-to-income ratio and it plays a big role in what you qualify for.

DTI is your total monthly debt payments divided by your gross monthly income. Most lenders want to see that number at 43% or below. The lower it is, the more options you have. Let's look at where you stand and what moves make sense before you apply.

📲 612-760-3268
📧 [email protected]

05/18/2026

Parents want to help you buy a home? There are three ways to structure it. Swipe through to see how each option compares and which one gives you the most purchasing power.

📲 612-760-3268
📧 [email protected]

05/15/2026

If you own a rental property and are thinking about buying your next home, you probably have some questions about how that income plays into your qualification. You are not alone. These are some of the most common scenarios I work through with clients.

A signed lease on your current home can help offset that payment when qualifying for a new one. Vacation rental income can count toward qualification but only after 12 months of documented history, and short term rentals like Airbnb are typically excluded. And if you are wondering whether to put your rental into an LLC, you do not have to right away, but it is worth a conversation with your tax professional about the potential benefits.

Every situation is a little different and that is exactly why I am here. If you have questions about how your rental income or property setup affects your next move, reach out and let's talk through it.

📲 612-760-3268
📧 [email protected]

Address

5500 Wayzata Boulevard Suite 300
Minneapolis, MN
55416

Telephone

+16127603268

Website

https://kalabringsyouhome.bellbankmortgage.com/

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