Welcome to Bell Financial Group!
With over 24 years of experience in the mortgage industry, Bell Financial Group is your premier local mortgage lender. We’re proud to offer you the same options as national lenders, only with the advantage of working with local professionals that work for you, not the banks. We believe strongly in giving back to the communities we lend in, to make sure that we’re not just helping you find a house, we’re helping you find a home.
Established in 2006, Bell Financial Group has the experience you need to make sure that you receive a loan option customized to you and your needs. Our specialty is home mortgage loans, and are also a leading commercial mortgage broker. We work with surrounding communities including Idaho, Utah, Arizona, Montana, and Wyoming. Thanks to our in-house processing and direct access with underwriters, we are able to offer you quick turn times and on time closings.
Home Purchase Loans
We have several loan options to help you find and purchase your dream home.
Intended to help those building their home, construction loans are typically short-term loans that can be built around the timeframe of the building period. This loan allows you to afford to pay the home construction costs upfront.
Conventional loans are mortgages that are not backed by the government. This loan option is the most popular program for borrowers that have higher income and credit scores. These loans tend to have good rates, better flexibility, and lower costs.
A great option for first time home buyers, FHA Loans are backed by the federal government, allowing lenders to offer competitive interest rates and less stringent eligibility requirements. Many first time home buyers find the low down payments particularly appealing.
Non-Prime Loans (Self-Employed Mortgages)
Working for yourself can be great, although income verification for a mortgage can be more difficult. Non-prime loans do not require you to fully document your income or provide tax returns, as bank statements can be used. If you are looking for a self-employed mortgage, a non-prime loan may be your best choice.
USDA Loans can help low or very low income families and individuals afford to own a safe and sanitary home. These loans are backed by the federal government, so they can offer lower down payments. These are also excellent mortgages for homes in rural areas.
VA Loans are intended to allow veterans and active duty service members achieve the dream of home ownership. Backed by the federal government, VA Mortgages have no private mortgage insurance, no pre-payment penalties, low or no down payments, and some even have 100% financing.
Refinancing a mortgage allows you to replace your current mortgage with a new one by paying off the loan in full. To achieve this, you will take out another loan, which becomes your new mortgage. The biggest benefit of refinancing a mortgage is that you can save money, take equity out of your home, potentially lower your rate, and even change your mortgage type.
Commercial loans are mortgages to help a business or individual fund a major capital expenditure. These can vary from investment properties such as single family residences or multifamily units, to hotels and office buildings.
Moving to Idaho, Arizona, Utah, Wyoming, Montana
Although we love serving the native citizens of the states we lend in, we are also proud to work with families and individuals moving to Idaho. As the cost of living rises in many surrounding states, we’ve seen an increasing number of people moving to Idaho, Arizona, Utah, Montana, and Wyoming from California, Oregon, and Washington. If you are looking to move to one of these states, let us help you through the process.
Get Pre-Approved for a Mortgage
If you are seeking a home purchase loan or mortgage refinance in Idaho, Arizona, Utah, Wyoming or Montana contact Bell Financial Group at (208) 932-4559 today, or simply fill out a form on this website.