Meet Sheri Jondahl
Sheri has been in the mortgage business for the last 13 years. With all of the changes in the mortgage industry, it is very important to have a mortgage specialist who will look at each situation individually and help you choose a program that is best for you.
For over 7 years Sheri and her team worked at Homestead Mortgage. In September of 2007, she switched to Bell Mortgage, and she is very pleased to be here. She and Terri Ronneng are branch managers of the Bell Mortgage office in Ramsey. Together with their processors, they have over 50 years of experience in the mortgage industry.
Today's market is ever changing, and Sheri and her team look forward to the changes that are coming. The market for home buying is still excellent! With low rates, low home prices and many homes to chose from, this is a buyers market. From new construction, to existing homes, to refinances and lines of credit, Sheri is here to ease the home loan process.
Sheri is "committed to perfect performance!" She carefully looks over each and every loan to try to find the right loan for her buyers. She takes the time to go over any questions a buyer might have about the loan process and keeps them and their realtors informed as to where they are within that process.
Sheri lives in Ramsey with her husband, Jon D. Jondahl, and her two daughters, Jena (20) and Kaylee (17). She is very involved with her children and her work. Jena is competing for Winona State University, and Kaylee competes in club gymnatsics in Maple Grove.
Sheri loves what she does, and that comes across throughout the loan process.
Our Mortgage Process
Trust the biggest purchase of your life to our experience. Whether you're on your way to getting your first home, your next home, or a better rate on your existing mortgage, we will walk you through every step of the loan process. Now is the perfect time to get in touch with us and get the personal advice and guidance Bell Mortgage is famous for.
Once you've had all your questions answered and you're ready to start the home loan process, this is what you can expect.
1. Complete our online application.
The pre-approval application asks you questions about the home you wish to buy or refinance and your finances. To process your application, we need financial information about you - your current mortgage or rent, your other loans, your income, your assets, etc. As soon as you've finished the application, we review your request and immediately begin to process it.
2. We'll send you an application package and prepare your loan for processing.
Your loan application will include papers to sign and a list of items we'll need to verify the information you provided about your finances during the online application.
Here is a summary of the forms involved:
- Good Faith Estimate of Settlement Costs - This details the loan amount and all related charges and fees.
- Truth in Lending Disclosure - This lets you know what your estimated annual percentage rate of interest (APR) will be and any other program features that apply.
- Borrowers Certification - When you sign this, you authorize that all the information you provided is correct to the best of your knowledge. It also lets us finalize the process by contacting your landlord, employer, mortgage company, etc. and getting your credit report.
Next, we order the appraisal from a licensed appraiser who is familiar with home values in your area to determine its fair market value. The appraiser visits the property and compares its features, floor plan, lot, etc. against other similar properties in the area. (You receive a copy of the appraisal.)
4. We'll contact you to coordinate your closing date.
After we receive your application package, the appraisal and the title work, we contact you to schedule your loan closing. If you are purchasing a home, we also schedule the closing with the real estate agent. The closing takes place at an approved title office in your area. A few days before closing, we contact you to walk through the final information.
5. Apply now.
Start now by applying and you will be on your way to the most convenient home loan ever! That's all there is to it.
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?
Thanks so much for all that you have done for us in the past week. I never thought everything would go this fast, but it is so exciting to know that we made a good decision with your help. I appreciate all you have done for both of us. I appreciate all that you will do in the next week.
Sheri, thanks for waiting as we send you letters and papers little by little as we get them. We look forward to closing, and moving in. You have great team, as well as all the other people who are behind this that we haven't met. We will be sure to recommend your team to our friends and family!
Melissa, Lenny & Sheldon
I can not thank you enough for your great work in helping me with my first condo purchase! Your expertise, your patience with my many questions and your kindness are all very much apprectiated. I couldn't have done it without you! Please know how greatful I am for your fabulous work. All best wishes. Special thanks to Terri also!
I want to thank you for all of your kindness, professionalism and encouragement with me and my first home purchase! Your smile and knowledge reassured me in a very stressful process! Thanks again! You are great!
We wanted to thank you for all your work and time with us during the process of getting our first home. You were EXTREMELY helpful, and it was a pleasure working with you!
Jeremy & Amber
We want to thank you for all of your hard work and expertise in refinancing our lake home. I know we threw you a curve ball with our short time frame. It was a suprise to us also. Thanks to you, we don't have to worry about it. We can just pay it off at a good interest rate!
Ted & Jackie
About Bell Mortgage
Helping our customers find the smart way home for more than 130 years, Bell 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 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 Mortgage 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 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.
The History of The Business Bank and Prime Mortgage
In early 2013, Bell State Bank & Trust announced its intention to acquire The Business Bank and Prime Mortgage, both based in Minneapolis. Formed in 1999, The Business Bank acquired Prime Mortgage in 2007 to widen its range of products and combine resources to continue to grow.
Prime Mortgage was founded in 1985, growing from a single small office to multiple offices around the Twin Cities and an office in Florida. Prime Mortgage has ranked as one of the largest independent mortgage companies in Minnesota.
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 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.