Planning – strategy – success ... The Harrison Mortgage Team – financing your dreams!

Kathy Harrison

Senior Mortgage Loan Officer
NMLS #334069

Meet Kathy Harrison

With a passion for helping others, Kathy has spent the last 30-plus years building a strong reputation as a top producing mortgage loan officer, executive manager and industry educator by serving the lending needs of real estate professionals, builders, and individual home buyers.

Your home is one of the largest investments you will make. The planning and integration of your financial goals is critical. Our professional team offers the expertise to create a mortgage strategy designed to maximize wealth, minimize taxes and meet your housing needs in today’s changing markets.

For the first-time buyer to the move-up or executive buyer, Kathy possesses a thorough knowledge of the financial industry, allowing her to create a mortgage and financial strategy that best serves her clients' short- and long-term objectives. Whether your need is new purchase, refinance, debt consolidation or home equity, Kathy will provide the guidance for an informed decision.

With a fine-tuned communication system prior to the application, during the loan process and after closing, our clients have consistently referred our team to others in need of our expertise.

Kathy’s commitment to her faith, family, and friends helps keep life in balance. Other interests include travel, skiing, children’s sports, theater, and walks by the river with her dog, Raven.

SMP 2010-2013 Logos.Web sized.small

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.

3. Appraisal

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.

  • Kathy, thanks so much for all your help with our home-buying experience! Our first experience went so well because of your people willing to work so hard to help us! We owe it all to you!

    Connie & Tim

  • Kathy, thank you so much for all of your help in working through my mortgage options. Due to your kindness, patience, dedication, intelligence and integrity, I was able to confidently make the best financial decision, and I'm now in my town home! Every time I've worked with or spoken to you, I've been impressed by what a professional, caring, honest and hard-working person you are. I truly appreciate all that you've done for me. Thank you!

    Catherine

  • Thank you! Thank you! Thank you! We cannot thank you enough for all of the guidance you have provided us during this new house process. We are truly grateful to have found someone we can trust. You made us feel confident in our decisions, and we respect your professional opinions. We would not hesitate recommending your services in the future! Thank you again!

    Jenna & Derek

  • Thank you for all you did to get us into our dream home. It was great working with you and having someone we could trust. We are really loving it here!

    Melody & Jim

  • Kathy, I wanted to write you a note to say how much I appreciated your help and guidance purchasing my first home! I truly felt that you gave me the courage and assurance I needed to purchase my first place. Thank you so much!

    Rachael

  • Thank you for everything you have done for us to help us buy our house. You have made this complicated process a lot easier for us. Thank you for the very personal, exceptional service. We recommend you to everyone!

    Ryan & Rachel

  • Kathy, we just want to thank you from the bottom of our hearts for giving us a chance and letting us get the home of our dreams. it was a bumpy road, but at the end of the day, everything worked out! Thank you for the effort and care you took to get us our lovely home. "I thank God for you." - II Timothy 1:3

    Bob & Kristi and Kids

About Super Mortgage Professionals

Kathy Harrison was recently named to the 2013 list of Super Mortgage Professionals, independently chosen by the homeowners they serve and approved by industry leaders. This 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. Since the inception of the Super Mortgage Professional award in 2010, Kathy has been nominated each year.

SMP 2010-2013 Logos.Web sized.small


Financing Myths

There are a lot of myths about financing a new home – and we’re here to dispel them for you! Here are some of the most commonly held “mortgage myths”:

  • You need a 20% down payment to purchase a home. False! You may qualify for an FHA mortgage or other special program that can reduce the amount of down payment you need.
  • Getting pre-approved costs a lot of money. False! At Bell Mortgage, you can apply for online or in-person pre-approval, and it’s fast and free!
  • You should wait until you are ready to buy to find out what mortgage you qualify for. False! You should get pre-approved 6 months before you’re ready to move. That allows you more time to save, repair credit issues or even look for a home.
  • All mortgage companies are alike: False! Our Bell Mortgage team brings years of financing experience and the region’s largest mortgage bank to your home loan! That means competitive rates, programs, costs and unequaled personal service.

Tips For Financing Your First Home

The following tips are advice from previous “first-time homebuyer” clients:

  • When interviewing mortgage professionals, look for someone who offers new idea’s yet listens to your needs. Though interest rate and costs are important, they make up a small percentage of the overall experience. Choose someone willing to take the time to just talk about your specific needs. Building a trustworthy relationship is crucial to you success.
  • When evaluating and comparing closing costs, look specifically “lender based fees.” In other words, “What is the lender making on the loan?” This will help weed out any one quoting low fees just to get you in the door. Remember, no one does anything for free.
  • Pick a monthly payment and a cash investment that is right for you. While it is always nice to get the help from friends and family, only you know your exact financial position.

Meet the Team

THE HARRISON MORTGAGE TEAM is a group of top professionals dedicated to providing the highest level of personal service to our clients. Our team will educate and coach you throughout the financing process. Our business is all referral based. Clients trust us with friend’s family and other associates, which we take great pride in. Excellence and 100% confidence is the expectation our clients come with and the goal we strive to meet. Meet the team…

Kathy Harrison
Sr. Loan Officer

With a passion for helping others, Kathy has spent the last 30-plus years building a strong reputation as a top-producing mortgage loan officer, executive manager and industry educator by serving the lending needs of real estate professionals, builders, and individual home buyers.

Your home is one of the largest investments you will make. The planning and integration of your financial goals is critical. Our professional team offers the expertise to create a mortgage strategy designed to maximize wealth, minimize taxes and meet your housing needs in today’s changing markets.

For the first-time buyer to the move-up or executive buyer, Kathy possesses a thorough knowledge of the financial industry, allowing her to create a mortgage and financial strategy that best serves her clients short- and long-term objectives. Whether your need is new purchase, refinance,  debt consolidation or home equity, Kathy will provide the guidance for an informed decision.

With a fined-tuned communication system prior to the application, during the loan process and after closing, our clients have consistently referred our team to others in need of our expertise.

Kathy’s commitment to her faith, family, and friends helps keep life in balance. Other interests include travel, skiing, children’s sports, theater and walks by the river with her dog, Raven.

Phone 952-278-8708  |  Fax 855-786-1655  | Contact By Email

Denise Zehnder
Loan Processor

Denise Taubert‘s mortgage background includes 25 years of mortgage processing experience. Denise has also trained and supervised top production staff. Her knowledge, experience and focus on the customer will provide you with fast efficient and accurate approvals. Denise will work closely with the underwriting and closing departments to ensure a timely closing. Denise’s extensive familiarity in the mortgage industry allows her the ability to work with a diverse range of investors and products.

Phone 952-277-3063  |  Fax 855-759-5906  |  Contact By Email

Lisa vonLorenz
Transaction Coordinator

Lisa’s management and organizational expertise will keep everyone connected with the details throughout the mortgage transaction. She will personally assist clients through the mortgage process and walk them through the gathering of all loan documentation needed. Lisa also manages the team's correspondence, as well as current and ongoing marketing efforts. With over 20 years in operations and administration, Lisa is dedicated to providing excellent customer service.

Phone 952-278-8759  |  Fax 855-759-5902  |  Contact By Email

Meet Kathy Harrison

With a passion for helping others, Kathy has spent the last 30-plus years building a strong reputation as a top producing mortgage loan officer, executive manager and industry educator by serving the lending needs of real estate professionals, builders, and individual home buyers.

Your home is one of the largest investments you will make. The planning and integration of your financial goals is critical. Our professional team offers the expertise to create a mortgage strategy designed to maximize wealth, minimize taxes and meet your housing needs in today’s changing markets.

For the first-time buyer to the move-up or executive buyer, Kathy possesses a thorough knowledge of the financial industry, allowing her to create a mortgage and financial strategy that best serves her clients' short- and long-term objectives. Whether your need is new purchase, refinance, debt consolidation or home equity, Kathy will provide the guidance for an informed decision.

With a fine-tuned communication system prior to the application, during the loan process and after closing, our clients have consistently referred our team to others in need of our expertise.

Kathy’s commitment to her faith, family, and friends helps keep life in balance. Other interests include travel, skiing, children’s sports, theater, and walks by the river with her dog, Raven.

SMP 2010-2013 Logos.Web sized.small

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.

3. Appraisal

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.

  • Kathy, thanks so much for all your help with our home-buying experience! Our first experience went so well because of your people willing to work so hard to help us! We owe it all to you!

    Connie & Tim

  • Kathy, thank you so much for all of your help in working through my mortgage options. Due to your kindness, patience, dedication, intelligence and integrity, I was able to confidently make the best financial decision, and I'm now in my town home! Every time I've worked with or spoken to you, I've been impressed by what a professional, caring, honest and hard-working person you are. I truly appreciate all that you've done for me. Thank you!

    Catherine

  • Thank you! Thank you! Thank you! We cannot thank you enough for all of the guidance you have provided us during this new house process. We are truly grateful to have found someone we can trust. You made us feel confident in our decisions, and we respect your professional opinions. We would not hesitate recommending your services in the future! Thank you again!

    Jenna & Derek

  • Thank you for all you did to get us into our dream home. It was great working with you and having someone we could trust. We are really loving it here!

    Melody & Jim

  • Kathy, I wanted to write you a note to say how much I appreciated your help and guidance purchasing my first home! I truly felt that you gave me the courage and assurance I needed to purchase my first place. Thank you so much!

    Rachael

  • Thank you for everything you have done for us to help us buy our house. You have made this complicated process a lot easier for us. Thank you for the very personal, exceptional service. We recommend you to everyone!

    Ryan & Rachel

  • Kathy, we just want to thank you from the bottom of our hearts for giving us a chance and letting us get the home of our dreams. it was a bumpy road, but at the end of the day, everything worked out! Thank you for the effort and care you took to get us our lovely home. "I thank God for you." - II Timothy 1:3

    Bob & Kristi and Kids

About Super Mortgage Professionals

Kathy Harrison was recently named to the 2013 list of Super Mortgage Professionals, independently chosen by the homeowners they serve and approved by industry leaders. This 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. Since the inception of the Super Mortgage Professional award in 2010, Kathy has been nominated each year.

SMP 2010-2013 Logos.Web sized.small


Financing Myths

There are a lot of myths about financing a new home – and we’re here to dispel them for you! Here are some of the most commonly held “mortgage myths”:

  • You need a 20% down payment to purchase a home. False! You may qualify for an FHA mortgage or other special program that can reduce the amount of down payment you need.
  • Getting pre-approved costs a lot of money. False! At Bell Mortgage, you can apply for online or in-person pre-approval, and it’s fast and free!
  • You should wait until you are ready to buy to find out what mortgage you qualify for. False! You should get pre-approved 6 months before you’re ready to move. That allows you more time to save, repair credit issues or even look for a home.
  • All mortgage companies are alike: False! Our Bell Mortgage team brings years of financing experience and the region’s largest mortgage bank to your home loan! That means competitive rates, programs, costs and unequaled personal service.

Tips For Financing Your First Home

The following tips are advice from previous “first-time homebuyer” clients:

  • When interviewing mortgage professionals, look for someone who offers new idea’s yet listens to your needs. Though interest rate and costs are important, they make up a small percentage of the overall experience. Choose someone willing to take the time to just talk about your specific needs. Building a trustworthy relationship is crucial to you success.
  • When evaluating and comparing closing costs, look specifically “lender based fees.” In other words, “What is the lender making on the loan?” This will help weed out any one quoting low fees just to get you in the door. Remember, no one does anything for free.
  • Pick a monthly payment and a cash investment that is right for you. While it is always nice to get the help from friends and family, only you know your exact financial position.

Meet the Team

THE HARRISON MORTGAGE TEAM is a group of top professionals dedicated to providing the highest level of personal service to our clients. Our team will educate and coach you throughout the financing process. Our business is all referral based. Clients trust us with friend’s family and other associates, which we take great pride in. Excellence and 100% confidence is the expectation our clients come with and the goal we strive to meet. Meet the team…

Kathy Harrison
Sr. Loan Officer

With a passion for helping others, Kathy has spent the last 30-plus years building a strong reputation as a top-producing mortgage loan officer, executive manager and industry educator by serving the lending needs of real estate professionals, builders, and individual home buyers.

Your home is one of the largest investments you will make. The planning and integration of your financial goals is critical. Our professional team offers the expertise to create a mortgage strategy designed to maximize wealth, minimize taxes and meet your housing needs in today’s changing markets.

For the first-time buyer to the move-up or executive buyer, Kathy possesses a thorough knowledge of the financial industry, allowing her to create a mortgage and financial strategy that best serves her clients short- and long-term objectives. Whether your need is new purchase, refinance,  debt consolidation or home equity, Kathy will provide the guidance for an informed decision.

With a fined-tuned communication system prior to the application, during the loan process and after closing, our clients have consistently referred our team to others in need of our expertise.

Kathy’s commitment to her faith, family, and friends helps keep life in balance. Other interests include travel, skiing, children’s sports, theater and walks by the river with her dog, Raven.

Phone 952-278-8708  |  Fax 855-786-1655  | Contact By Email

Denise Zehnder
Loan Processor

Denise Taubert‘s mortgage background includes 25 years of mortgage processing experience. Denise has also trained and supervised top production staff. Her knowledge, experience and focus on the customer will provide you with fast efficient and accurate approvals. Denise will work closely with the underwriting and closing departments to ensure a timely closing. Denise’s extensive familiarity in the mortgage industry allows her the ability to work with a diverse range of investors and products.

Phone 952-277-3063  |  Fax 855-759-5906  |  Contact By Email

Lisa vonLorenz
Transaction Coordinator

Lisa’s management and organizational expertise will keep everyone connected with the details throughout the mortgage transaction. She will personally assist clients through the mortgage process and walk them through the gathering of all loan documentation needed. Lisa also manages the team's correspondence, as well as current and ongoing marketing efforts. With over 20 years in operations and administration, Lisa is dedicated to providing excellent customer service.

Phone 952-278-8759  |  Fax 855-759-5902  |  Contact By Email