Scot Johansen- Bell Bank

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United States
Overland Park, KS
Scot Johansen- Bell Bank

Sr. Loan Officer at
Bell Bank
NMLS # 445775
Mortgage loan officer for over 30 years

07/01/2025

🏡 Bell has an amazing loan product for Physicians and Dentists! Check out these incredible benefits:

• 95% LTV (loan to value) with NO mortgage insurance
• Qualify with just a signed employment contract
• Special considerations for student loans
• Loans up to $2 million

Let's connect and explore how Bell’s Doctor loan can make your dream home a reality! 🩺🔑

Subject to credit approval. Primary residences only in these states AZ, FL, KS, MN, MO, ND, NM, TN, WI. Must be licensed Medical Physician (MD), Doctor of Osteopathic Medicine (DO), or Dentist (DDS) employed by a hospital, physician’s group, or dental group.

06/26/2025

🎉 Exciting news from Bell! 🎉

We’ve slashed our second home pricing down to **6.75%**! Want to learn more? Let’s chat! 📲✨

*Subject to credit approval. 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. Program guidelines are subject to change without notice. Other restrictions apply. Escrows and full appraisal may be required. Max loan amt subject to Portfolio current guideline for 2nd home. Required Bell Bank Checking with ACH payment method for discounted rate. Bell Bank Checking ACH discounted rate includes termination penalty of 1.00% of the original unpaid principal balance. Payment estimates do not include taxes and insurance; therefore the actual payment obligation will be greater. Rate information is current as of 6/26/25 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 7.027% APR. For Applications taken 6/26/25 through 12/31/25, must close by 6/1/26. This is not a commitment to lend. Available in these states ND, MN, WI, KS, MO, IL, AZ, NM, FL

06/24/2025

Want to make savvy financial decisions? Understanding mortgage terms like interest rate, APR, loan term, and closing costs is helpful! Here's a quick guide to boost your confidence:

🔹 Interest Rate: The cost of borrowing, expressed as a percentage of the loan amount.
🔹 APR (Annual Percentage Rate): The comprehensive cost of your loan, including interest and fees, shown as an annual rate.
🔹 Loan Term: The duration you'll be paying off the loan, usually in years.
🔹 Closing Costs: Fees and expenses at loan closing, like origination and appraisal fees.

Get empowered and navigate your mortgage journey with ease! 💪🏡

PS- Don’t worry. I’ll be there every step of the way to explain all parts of the mortgage process and explain what terms mean if there is any confusion.

06/18/2025

✨ Exciting News! ✨ We're offering a special 5.99% rate during the construction phase, plus we've extended the interest-only period to 12 months for our One-Time Close new construction loan! More flexibility and better pricing. 🏡✨

Ready to build your dream home? Let's chat!

*Approval subject to credit. | Payments exclude taxes and insurance; actual payments will be higher. | Rate accurate as of 6/18/25, based on a 780 credit score with a 30-day rate lock. | Calculations based on a $500,000 purchase price with a 20% down payment and 8.055% APR. | Rates vary by qualifications and market changes. | Not available in all markets; additional restrictions may apply. | For conforming loans only. | This is not a lending commitment.

06/13/2025

Improved Pricing on Bell’s ARM Programs
“Flex” your financial future with Bell.

*Subject to credit approval. Primary 1-unit residence only. Available in these states ND, MN, WI, KS, MO, IL, AZ, NM, FL. 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. Program guidelines are subject to change without notice. Other restrictions apply. Escrows and full appraisal may be required. Existing and new applications thru 8.31.25.

06/10/2025

Getting pre-approved with a Bell Bank Mortgage loan officer boosts your standing as a qualified buyer when making offers.

Just starting to figure out your budget?

Our home affordability calculator is a great place to start to calculate a monthly mortgage payment in your budget. By using this tool, you can determine the maximum price range for your potential home. Additionally, remember to factor in expenses such as homeowner’s insurance, flood insurance, taxes, and other necessary costs to incorporate into your budget. 💰

Link: https://bit.ly/3FQXJFh

06/05/2025

Your credit score influences the loans and interest rates you qualify for. Statista reports 30% of people delay home purchases due to their score. Check your score before applying to improve it or understand potential rates. Access your score from the three main agencies. Annually, get a detailed report from http://AnnualCreditReport.com to see what affects your score:

• Payment history
• Amount owed
• Credit history length
• Credit types
• Recent inquiries

Have questions? I can help!

06/03/2025

🏡✨ Celebrate National Homeownership Month with us! Throughout June, we spotlight the amazing benefits of owning a home and emphasize the need to make it accessible for everyone.

At Bell, we’re excited to share resources, programs, and insights to help you on your path to homeownership. Let’s make your dream home a reality! 🏠💪

05/30/2025

Ever thought about owning a second home? This is your sign! 😉 We've seriously upped our game with amazing new prices for second homes!

Ready to start the conversation, let’s chat.

*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.

05/27/2025

If you're considering building a home, there are numerous factors to take into account. Here are some essential items to keep in mind:

• Light Switches and Power Outlets 🔌
• Television Location 📺
• Shower Head Height 🚿
• Internet and Electronic connections 🛜
• Outdoor Conveniences 🌳

05/20/2025

Exciting news – our Doctor/Dentist Loans have just been reduced! 🩺 🪥

• Loan Amounts: Up to $2 million
• Options: Adjustable-Rate Mortgage (ARM) available
• Down Payment: Minimum of 5% with no mortgage insurance required

Subject to credit approval. Primary residences only in these states AZ, FL, KS, MN, MO, ND, NM, TN, WI. Must be licensed Medical Physician (MD), Doctor of Osteopathic Medicine (DO), or Dentist (DDS) employed by a hospital, physician’s group, or dental group. Program guidelines are subject to change without notice. Other restrictions apply.

05/15/2025

Thinking about building your dream home? 🏡 The average expense to construct a new single-family home, including land, is $665,298, according to the National Association of Homebuilders. Meanwhile, buying an existing home had a median price of $414,500 in February 2025.

Your building costs can vary based on home size, location, labor, materials, and current real estate trends. Here’s a snapshot of average costs for a 2,100 sq ft home across the U.S.:

☀️ West: $314,400 - $363,300

🤠 Midwest: $301,700 - $380,200

➷ South: $287,700 - $310,800

🦞 Northeast: $322,700 - $402,700

❄️ Alaska: $348,591

🌸 Hawaii: $431,364

Every situation is unique! Reach out to your Bell loan officer today to explore new construction lending options tailored just for you. 🌟

Address

11095 Metcalf Avenue
Overland Park, KS
66210

Telephone

+19139271008

Website

http://MyMortgageGuy.org/

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