Meet Joe Zemien
With my extensive experience in mortgage banking, I will provide my clients with professional and dependable care, with honesty and the highest level of service from the first phone call to the closing. I care about making sure you make the right choice of mortgage options for you and your family.
The mortgage process can be a little intimidating to many people. With Bell Bank Mortgage's commitment to excellence through our mortgage technology, local processing, local underwriting and closing department, we support you, the client. We are all here to help you through the mortgage process, achieve prompt closings and achieve your goal of home ownership.
Through our host of programs, I have the options that will best fit your needs. With my experience, I will educate you and keep you informed every step of the process. I want to make my clients comfortable with their choices and their decisions.
Our process is smooth and simple from start to finish:
- Talk with me. I will work with you to help you determine your financing options and answer all your questions.
- Apply Online. Complete your mortgage application at your convenience through our online application.
- Work together through final approval. From the time your application is received, I work with you to ensure you move through the process checkpoints to final approval.
- Closing on your loan. Prior to loan closing, I will review the Closing Disclosure, funds needed and documentation to bring to close with you. On closing day the final documents are signed at the title company and you receive the keys to your new home!
Home Financing Calculators
- Should I refinance?
- How much will my fixed rate mortgage payment be?
- How much will my adjustable rate mortgage payments be?
- How much will my payments be for a balloon mortgage?
- Should I rent or buy?
- Which mortgage is better for me?
- How much will I save by increasing my mortgage payment?
- How much mortgage might I qualify for?
- How much home can I afford?
- Should I consolidate my loans?
I have had the pleasure of working with Bell Bank Mortgage and Joe Zemien for over 10 years. Joe is incredibly client focused and truly cares about his customers. His level of communication is excellent. Over the years, he has helped navigate my clients through some very challenging situations. He does this with a can-do attitude and has been there for me and my clients on nights and weekends.
My clients and I really do love working with Joe, and I know you will, too. He and his team of professionals will make you feel like their only client, and you will be well served. Put Joe to work for you and start packing!
I would like to provide feedback for Joe Zemien, thanking him for the amazing service and tireless effort that he put into my wife and my recent mortgage refinance transaction. One year ago, Mr. Zemien helped my wife and me with our initial loan when we purchased our current home. At that time I was absolutely amazed at the level of service Mr. Zemien provided. He was even working on our account while he was supposed to be on vacation!
Fast forward one year. Out of the blue my wife and I receive an email from Mr. Zemien simply letting us know that rates had dropped and if we were interested he could possibly save us some money. Once again I was completely astounded by the level of professionalism and service that Mr. Zemien displayed. He was willing to talk any time we needed - including a conversation with my wife during the Super Bowl!
My wife and I have excellent credit and are probably not what you would consider difficult customers by any sense (I hope, anyway) and could probably have been very easily set aside to let the business run its course. We were, however, treated as if our account was the only one Mr. Zemien was working on.
Having worked in the customer service industry in the past I believe that there's nothing more important than providing good customer service. We received that and more from Mr. Zemien. I will definitely not hesitate to recommend Mr. Zemien to anyone that has mortgage needs. He was a pleasure to work with and completely professional in every way. He is absolutely to be commended.
We really appreciate your time and the patience that it took to deal with our situation. We had an awesome team for this endeavor, and I really can't express how grateful Maria and I are for they way you guys handle your business. You guys rock, and we will certainly be coming come back to you for any future needs. Thank you so much.
Joe Zemien, home mortgage consultant ... the best! He's knowledgable, courteous and easy to get along with. Very likable, and you will love working with him.
John & Mary H.
Joe Zemien was great to work with! He did an awesome job of explaining everything!
Chris & Kelly B.
About Super Mortgage Professionals
Joe Zemien has been named to the annual list of Super Mortgage Professionals several years in a row, independently chosen by the homeowners they serve and approved by industry leaders. This annual list is compiled by Twin Cities Business, Minneapolis-St. Paul magazine and Crescendo Business Services, an Eagan-based market research company. It includes only about 130 mortgage professionals who successfully navigate mortgages.
Mortgage professionals named to the list were graded on customer service, integrity, market knowledge, communication, closing preparation, finding the best rates and overall satisfaction. Each professional went through a rigorous screening process, then was reviewed by a panel of mortgage and real estate industry experts selected to participate in the process based on their experience and knowledge of the industry.
About Bell Bank Mortgage
Helping our customers find the smart way home for more than 130 years, Bell Bank Mortgage has a reputation for exceptional service and high integrity standards. Our culture centers on customer care and transparency from first contact. We help simplify what is often a very complex system. Applying for a loan is made easy, as our loan officers walk you through the process and the documents needed to support your loan request. Plus, our state-of-the-art technology helps make the mortgage process as stress-free as possible.
We believe that relationships are the key to our continued success and are dedicated to creating the simplest, fastest, efficient and most satisfying experience for our borrowers. You’ll see the Bell Mortgage difference as soon as you meet with one of our loan officers. We take the time to truly get to know you and your financial situation.
The History of Bell Bank Mortgage
In 2011, Minneapolis-based Bell Mortgage became a part of what was then State Bank & Trust, in a history-making venture for both companies. Bell has literally been a part of Minnesota since the state’s infancy. The oldest and largest independent mortgage banking company in Minnesota, it was founded in 1880 by early Minneapolis leader David C. Bell. Since then, Bell Bank Mortgage has added locations throughout the Twin Cities and in Phoenix, developed its own proprietary technology for processing and underwriting, and has thousands of family mortgages to its name.
In 2012, State Bank & Trust rebranded as Bell State Bank & Trust, taking on the Bell name to give a more unique identity to a known and respected regional brand. Bell State Bank & Trust shortened its name to Bell Bank in August of 2016, with the mortgage division becoming Bell Bank Mortgage to simplify the brand while retaining the familiar “trees” logo.
Our Commitment to You
Over the years, we have worked with thousands of individuals and families, making home ownership a reality for them. We would love the opportunity to work with you. At Bell Bank Mortgage, we process, underwrite and close your loan within the walls of our office. In-house administration of your loan means we can ensure a quick, accurate and smooth process all the way to closing day. And we work in harmony with local and national lending sources to find you the best possible rate and terms.