FIND A LOCATION:
Find a Location
FIND A LOCATION
Call the Branch
Access online accounts
Bell Bank Mortgage has a new flexible option to help update your current home or a home you are looking to buy.
Bell Bank Mortgage has a new flexible option to help update your current home or a home you are looking to buy. This program allows borrowers to make upgrades via minor repairs or cosmetic updates, rolling the cost of these modifications into their home financing.
This is a great program for people looking to buy. In a tight market, it is often harder to find that perfect home. Now, you can take a home that is "not quite" and turn it into a "just right," with easy financing that rolls the modification costs into your mortgage. Eligible modifications include everything from flooring updates or new kitchen cabinets, to bathroom remodels or even furnace replacement.
Already love your current home, but ready to make a few changes? Now, you can make the updates you've been dreaming of by rolling the costs into a refinance.
A Bell-approved contractor does all of the work and has 100 days to complete the project following the close of your loan.
This exciting program applies to detached, owner-occupied properties with conventional fixed-rate loans up to $453,100. A contingency reserve of 10% of the bid amount is required and can either be financed or paid by the borrower at closing. On a purchase, 5% down is required. Minimum credit score and other restrictions apply.
Program not available in all markets. Restrictions may apply; not available on all loan products. Please contact your Bell Bank Mortgage lender with questions specific to your situation.