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The Home Loan Process

Finding the right loan is an essential first step in the home buying process. Everything from your credit and income to your down payment can affect your ability to qualify for a loan. recommends several mortgage lenders with a long history of providing quality lending services. An experienced loan officer will discuss the different types of loans available, determine the maximum amount you can borrow, and calculate a monthly payment that fits your budget.

Get to know our Home Mortgage Professionals

Mona Edick
Loan Officer
Bay Equity Home Loans NMLS#452504
My passion is to bring meaning and create a lasting impact for my customers. I uphold the highest ethical standards and a striking commitment to quality every step of the way. Integrity is central to my business, and my mission is to get you the right loan! I have helped hundreds of families with responsible and affordable home financing. I have experience in FHA, VA, USDA, first-time buyers, conventional, and refinance.

763-445-9370  •
Adam Roloff
Sr. Mortgage Loan Officer
Bell Mortgage NMLS#400936
My plan is to tailor your financing to your unique  requirements and goals. You can expect an authentic experience defined by honesty, integrity, and personalized service. Whether you’re refinancing a  mortgage or buying property for the first time, you deserve a smooth, respectful, and pleasant transaction.

651-783-5234  •
Eric Bloomstrand
Sr. Mortgage Loan Officer
Bell Mortgage NMLS#274211
Eric has lived his entire life in Minnesota. He is married with 3 children. He graduated from Mankato State University in June of 1991 and began his career in the Mortgage world shortly after that. For the better part of the past 17 years, he has worked for Bell Mortgage as a Senior Loan Officer achieving the President Club designation based on closed loan volume each and every year.

952-905-5507  •
Brian Nelson
Sr. Mortgage Consultant
Mortgages Unlimited NMLS#376826
Since 1994, Brian Nelson has been in residential lending and real estate. He has helped countless families achieve their dream of home ownership.

763-445-9370  •

Debt-to-Income Ratios - Types of Loans and MoreConventional vs. FHA - Downpayment & PMIDiscussing the Pre-Approval Process

Mortgage Rates

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Mortgage Calculator*

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*The mortgage calculator is provided only for general information and educational purposes only. does not guarantee the accuracy of the calculations or the monthly payment displayed. It is not intended as financial, insurance, tax or legal information regarding your financial situation; please consult with a financial advisor. Property insurance is based on 0.4% of home price. Actual rate will vary based on coverage options.