Apply for a mortgage with Brady William Bell.

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Use Brady Bell at Bell Financial Group

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A mortgage process proven to inspire confidence

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First we discuss your financial situation and what purchase options might be smart for you consider. We will discuss all available programs and help guide you into a smart mortgage option.

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Submit an application online, over the phone, or in person and we do the rest. To help sellers to take your offer seriously we review every nook and cranny.

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We will pre-qualify you based on your submitted application and tailor a mortgage program to your current needs. Accounting for your budget, goals, and current market conditions.

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If needed we will set you up with an agent that suits your needs well. Find a home you love and submit your offers and we will be there to assist along the way.

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We will take care of the mortgage process with no surprises. We underwrite your loan, order an appraisal (if required), and prep your purchase for closing so you can enjoy the home of your dreams.

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First we discuss your financial situation and what refinance options might be smart for you consider. Often times refinancing isn't the right choice, and we can help you see both sides.

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If you decide the refinance is your best option, we will start the process by gathering your application online, over the phone, or an in-person meeting.

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Based on the discussions and your application we will present you with the best personalized option. Should you decide to move forward with it or request a change, we will be there to assist.

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Once you decide to proceed, we will start into the process by locking into the discussed program. We will gather required documentation, order an appraisal (if required), and prep your refinance application to be underwritten.

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We will work with you to schedule a time that works for you to sign the final documents and fund your refinance. Upon completion we are available to help for all regards in the future!

Ready to get started?

Schedule a Meeting or Apply Now to get the process started!

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I host a Podcast dedicated to helping you

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The Homebuyers Grind

By Brady W. Bell

Learn the ins and outs of the home mortgage process in a simple to understand yet extremely detail-oriented format. This podcast is for the homebuyer, homeowner, real estate agent, or anybody looking to learn the honest truth behind what happens in the mortgage process from start to finish and beyond.

Listen to the most recent Episode:

My rates average 0.1% lower than the national average*

*Based the 2020 conventional mortgage national annual average interest rate data from http://www.freddiemac.com/pmms/pmms30.html. Data compared to the 2020 conventional mortgage annual average interest rate closed by Brady W. Bell at Bell Financial Group DBA AK Bell Inc. This is not a guarantee nor a commitment to lend.
** Any information you share is secure. It will not be sold or reused. **
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A loan program for nearly everyone:

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USDA Rural Development

Min Down Payment
0%
Max Debt to Income Ratio
43%
Max LTV
100%
Min Credit Score
550

This is great for people looking to buy in a rural area. You'd be surprised what USDA Considers rural so don't disqualify it until you discuss it more as most areas in Southeast Idaho qualify. This program is for someone looking to get into a home with little money and is great for first timers or seasoned home buyers!

USDA w/ Grant

Min Down Payment
0%
Max Debt to Income Ratio
43%
Max LTV
100%
Min Credit Score
620

This is ideal for anybody that needs to come up with a bit more money for down payment or closing costs. Obtain a grant up to 3.5% of the purchase price to help cover closing costs. This can be a good alternative to down payment assistance loans or requesting the seller to cover your closing costs as the grant is FULLY forgiven over a period of 7 years.

Conventional w/ Grant

Min Down Payment
0.5%
Max Debt to Income Ratio
42%
Max LTV
99.5%
Min Credit Score
620

This is ideal for anybody that needs to come up with a bit more money for down payment or closing costs. Obtain a grant up to 3.5% of the purchase price to help cover closing costs or your do down payment. You are still required to bring in at least 0.5% of your own funds but this can be a good alternative to down payment assistance as the grant is FULLY forgiven over a period of 7 years.

FHA w/ Grant

Min Down Payment
0.5%
Max Debt to Income Ratio
50%
Max LTV
99.5%
Min Credit Score
620

This is ideal for anybody that needs to come up with a bit more money for down payment or closing costs. This loan can also be used in conjunction with the FHA down payment assistance loan. Obtain a grant up to 3.5% of the purchase price to help cover closing costs or your do down payment. You are still required to bring in at least 0.5% of your own funds but this can be a good alternative to down payment assistance as the grant is FULLY forgiven over a period of 7 years.

Homes For Heroes

Min Down Payment
0.50%
Max Debt to Income Ratio
50%
Max LTV
99.50%
Min Credit Score
620

This exciting program; recently launched to thank local heroes during the COVID19 pandemic; has been expanded to include more eligible homebuyers.

Eligible homebuyers Include: Military/Veterans; Healthcare professionals; Firefighters; Paramedics; Law enforcement; Teachers; and Retail workers.

FHA First w/ Down Payment Assist

Min Down Payment
0.50%
Max Debt to Income Ratio
50%
Max LTV
99.50%
Min Credit Score
640

For those with low income; low assets; or a slightly lower credit score. This program is great for you. Offering competitive rates and minimum down it can be the option to get you into a home. There are income limits; so if you make too much money you may have to utilize another option!

Conventional w/ Down payment Assist

Min Down Payment
0.50%
Max Debt to Income Ratio
43%
Max LTV
99.50%
Min Credit Score
680

Ideal for people with good to great credit but lower income or funds for a down payment. Take advantage of potentially lower mortgage insurance and use a conventional loan if possible.

FHA - Low Score

Min Down Payment
10%
Max Debt to Income Ratio
50%
Max LTV
90%
Min Credit Score
500

For those that don't quite have a 580 credit score this is a great option. It follows the same underwriting guidelines as other FHA loans. If you have the ability to put enough down this is likely your best option, short of improving your credit score.

Freddie Mac HomeReady

Min Down Payment
3%
Max Debt to Income Ratio
45%
Max LTV
97%
Min Credit Score
620

This is for first time homebuyers and people that haven't owned a home in the least 3 years. Get a lower rate than a standard conventional loan; put less of a down payment; and get cheaper mortgage insurance. All around a good option for first timers!

FHA

Min Down Payment
3.50%
Max Debt to Income Ratio
55%
Max LTV
96.50%
Min Credit Score
580

This is a great option for those with lower credit scores or looking to stretch their income! Say you make a lot of overtime but don't have a solid history of receipt so it can't be used to "Qualify"; this is where FHA shines as it allows much higher Debt to Income ratios generally allowing you to qualify for more.

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VA Purchase

Down Payment:
0%
Debt to Income Ratio:
55%
Max LTV
100%
Min Credit Score
580

For veterans eligible for a VA loan; this is your best option. 100% financing is available allowing you to keep your well earned money in the bank. If you've gotten a VA loan before; don't discount this option as it is potentially still a available to you.

USDA Rural Development

Down Payment:
0%
Debt to Income Ratio:
43%
Max LTV
100%
Min Credit Score
550

This is great for people looking to buy in a rural area. You'd be surprised what USDA Considers rural so don't disqualify it until you discuss it more as most areas in Southeast Idaho qualify. This program is for someone looking to get into a home with little money and is great for first timers or seasoned home buyers!

FHA First w/ Down Payment Assist

Down Payment:
0.50%
Debt to Income Ratio:
50%
Max LTV
99.50%
Min Credit Score
640

For those with low income; low assets; or a slightly lower credit score. This program is great for you. Offering competitive rates and minimum down it can be the option to get you into a home. There are income limits; so if you make too much money you may have to utilize another option!

Conventional w/ Down payment Assist

Down Payment:
0.50%
Debt to Income Ratio:
43%
Max LTV
99.50%
Min Credit Score
680

Ideal for people with good to great credit but lower income or funds for a down payment. Take advantage of potentially lower mortgage insurance and use a conventional loan if possible.

Bank Statement Loan

Down Payment:
10%
Debt to Income Ratio:
43%
Max LTV
90%
Min Credit Score
640

Are you self employed but don't show enough income for a conventional mortgage? This is the option for you. Qualify based off of deposits over a 2; 6; 12; or 24 month period and get into a home now rather than wait!

FHA - Low Score

Down Payment:
10%
Debt to Income Ratio:
50%
Max LTV
90%
Min Credit Score
500

For those that don't quite have a 580 credit score this is a great option. It follows the same underwriting guidelines as other FHA loans. If you have the ability to put enough down this is likely your best option, short of improving your credit score.

1 Year Self Employed Tax returns

Down Payment:
15%
Debt to Income Ratio:
43%
Max LTV
85%
Min Credit Score
640

This is the best option for self employed individuals with a short year. If your income from two years ago is bringing down your average and preventing your from purchasing; this could be a good option for you. Qualify with just 1 year of tax returns and ignore the rest!

2 Unit Primary Residence Conv.

Down Payment:
15%
Debt to Income Ratio:
45%
Max LTV
85%
Min Credit Score
620

Looking to house hack? Purchase a Duplex for minimum down and use the funds from the second unit's rent to help pay your mortgage! A great option to get started into investing!

3-4 Unit Primary Residence Conv.

Down Payment:
25%
Debt to Income Ratio:
45%
Max LTV
85%
Min Credit Score
620

Looking to house hack? Purchase a e-4 unit property and carry no mortgage insurance. Use the funds from the other unit's rent to help pay your mortgage! A great option to get started into investing!

Freddie Mac HomeReady

Down Payment:
3%
Debt to Income Ratio:
45%
Max LTV
97%
Min Credit Score
620

This is for first time homebuyers and people that haven't owned a home in the least 3 years. Get a lower rate than a standard conventional loan; put less of a down payment; and get cheaper mortgage insurance. All around a good option for first timers!

FHA

Down Payment:
3.50%
Debt to Income Ratio:
55%
Max LTV
96.50%
Min Credit Score
580

This is a great option for those with lower credit scores or looking to stretch their income! Say you make a lot of overtime but don't have a solid history of receipt so it can't be used to "Qualify"; this is where FHA shines as it allows much higher Debt to Income ratios generally allowing you to qualify for more.

2-4 Unit Primary Residence FHA

Down Payment:
3.50%
Debt to Income Ratio:
55%
Max LTV
96.50%
Min Credit Score
620

Start your investing career off right! Get into a 2-4 unit property without the big down payment requirements of a conventional loan. Live in one unit and rent out the others to help cover your mortgage. This is ideal for those with little down that want to jump into real estate!

Conventional Purchase

Down Payment:
5%
Debt to Income Ratio:
45%
Max LTV
95%
Min Credit Score
620

The old reliable.. Cheap mortgage insurance; rates are generally pretty good and mortgage insurance is affordable to those with good credit. This is the ideal option for most home buyers out there. If you haven't owned a home in the last 3 years; you're likely eligible for a reduced down payment to 3%.

FHA 203-K Rehabilitation

Down Payment:
N/A
Debt to Income Ratio:
50%
Max LTV
96.50%
Min Credit Score
580

Found a fixer upper that you plan to live in? This is for you. Finance repair costs directly into your first mortgage and fix up or make any repairs to the property before moving in1

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HELOC

Down Payment:
N/A
Debt to Income Ratio:
45%
Max LTV
89.99%
Min Credit Score
720

The home equity line of credit is a great option for those looking to borrow against the equity in their home without disturbing their 1'st mortgage. A HELOC is sort of like a credit card secured against the equity available in your home. Use the cash for anything you need and once paid back down you can continue to draw from the equity without re-doing the HELOC as long as you are within your draw period!

FHA Cash out Refinance

Down Payment:
Debt to Income Ratio:
55%
Max LTV
80%
Min Credit Score
580

Looking for cash but maybe you don't have the best credit score or have a high debt to income ratio? This may be your best option as FHA is lenient and may be your scape goat to get the cash needed for paying down debt; a home remodel; or anything you may need!

USDA Streamlined Refi

Down Payment:
N/A
Debt to Income Ratio:
41%
Max LTV
100%
Min Credit Score
660

Drop your rate on your current USDA loan without the hassle of obtaining an appraisal or credit/income qualification. Take the easy rout to drop your rate!

FHA Streamlined Refinance

Down Payment:
N/A
Debt to Income Ratio:
55%
Max LTV
90%
Min Credit Score
580

If you currently have an FHA loan and are looking for a simple rate reduction; this is for you! Drop your rate without credit or income qualification; no appraisals are required! The only down side is the majority of closing costs cannot be financed; but often can all be covered by lender rate credits.

VA Cash out Refinance

Down Payment:
N/A
Debt to Income Ratio:
55%
Max LTV
100%
Min Credit Score
580

For veterans eligible for a VA loan; this could be your best option if looking to borrow against your equity. Borrow against all available equity if needed and use it for anything you'd like1

VA Interest Rate Reduction

Down Payment:
N/A
Debt to Income Ratio:
55%
Max LTV
100%
Min Credit Score
580

Lower your rate without all of the hassle! If you're a vet with a VA loan this is for you. No income or credit verification is required and you do not have to obtain an appraisal. This is the perfect in and out refinance to lower your payment without the headache as they can typically be completed in a 3 weeks or less! Plus; finance all of your closing costs; to eliminate out of pocket expense.

Rate and Term Refi

Down Payment:
N/A
Debt to Income Ratio:
45%
Max LTV
97%
Min Credit Score
620

Don't pay for a higher rate than you have to! Take advantage of a lower interest rate to reduce your monthly payment and pay less in interest. OR simply shorten your term and pay your mortgage off sooner! If you have the equity available; potentially remove mortgage insurance at the same time.

Cash Out Refi

Down Payment:
N/A
Debt to Income Ratio:
45%
Max LTV
80%
Min Credit Score
620

Looking to borrow against the equity in your home to pay down high interest debt; remodel your home; start a vacation fund; or anything you can think of? This is the option for you. Take advantage of your equity and drop mortgage insurance at the same time!

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VA One-Time Close Construction

Down Payment:
0.00%
Debt to Income Ratio:
55%
Max LTV
100.00%
Min Credit Score
640

Don't have any money to put down? This may be your best option. Finance your full land purchase up to $75,000 and the construction at once. Construction can start immediately after closing. Once construction is complete the loan automatically rolls into your final financing without having to close again. No need to make any payments during the construction period either as the first payment starts the date the property is complete!

USDA One-Time Close Construction

Down Payment:
0.00%
Debt to Income Ratio:
41%
Max LTV
100.00%
Min Credit Score
640

For the vets out there, this is for you! No down payment required and fully finance the closing costs! Finance your full land purchase up to $75,000 and the construction at once. Construction can start immediately after closing. Once construction is complete the loan automatically rolls into your final financing without having to close again. No need to make any payments during the construction period either as the first payment starts the date the property is complete!

FHA One-Time Close Construction

Down Payment:
3.50%
Debt to Income Ratio:
55%
Max LTV
96.50%
Min Credit Score
640

Don't have enough down to go conventionally? This is your next best option.. This program allows for higher Debt to Income ratios making it easier for you to qualify. Finance your full land purchase up to $75,000 and the construction at once. Construction can start immediately after closing. Once construction is complete the loan automatically rolls into your final financing without having to close again. No need to make any payments during the construction period either as the first payment starts the date the property is complete!

Conventional One-Time Close Construction

Down Payment:
10.00%
Debt to Income Ratio:
40%
Max LTV
90.00%
Min Credit Score
700

Ideal for those with 10% down or greater. Finance your full land purchase and the construction at once. Construction can start immediately after closing. Once construction is complete the loan automatically rolls into your final financing without having to close again. Only pay the interest during the construction period, saving you money for your rent or mortgage while building. Ideal for most as rates are generally better than other construction options!

FHA 203-K Rehabilitation

Down Payment:
N/A
Debt to Income Ratio:
50%
Max LTV
96.50%
Min Credit Score
580

Found a fixer upper that you plan to live in? This is for you. Finance repair costs directly into your first mortgage and fix up or make any repairs to the property before moving in1

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2-4 Unit Primary Residence FHA

Down Payment:
3.50%
Debt to Income Ratio:
55%
Max LTV
96.50%
Min Credit Score
620

Start your investing career off right! Get into a 2-4 unit property without the big down payment requirements of a conventional loan. Live in one unit and rent out the others to help cover your mortgage. This is ideal for those with little down that want to jump into real estate!

1 Year Self Employed Tax returns

Down Payment:
15%
Debt to Income Ratio:
43%
Max LTV
85%
Min Credit Score
640

This is the best option for self employed individuals with a short year. If your income from two years ago is bringing down your average and preventing your from purchasing; this could be a good option for you. Qualify with just 1 year of tax returns and ignore the rest!

Bank Statement Loan

Down Payment:
10%
Debt to Income Ratio:
43%
Max LTV
90%
Min Credit Score
640

Are you self employed but don't show enough income for a conventional mortgage? This is the option for you. Qualify based off of deposits over a 2; 6; 12; or 24 month period and get into a home now rather than wait!

2-4 Unit Conv. Investment

Down Payment:
25%
Debt to Income Ratio:
43%
Max LTV
75%
Min Credit Score
620

Looking for a multi-unit property but don't want to live in it? This is for you. Easy conventional financing with no mortgage insurance required.

DSCR Purchase

Down Payment:
30%
Debt to Income Ratio:
N/A
Max LTV
70%
Min Credit Score
620

For the investor that maybe doesn't have the require income to purchase with a conventional loan. No income verification required as long as the property leases for greater than the proposed PITI mortgage payment

Single Family Conventional Investment

Down Payment:
15%
Debt to Income Ratio:
45%
Max LTV
85%
Min Credit Score
640

This program is idea for people looking for a cheap way into an investment property. Get in with minimal down and score a great rate with it being a conventional program. No investment experience required.

** Rates and programs are subject to change at any time. The programs listed are not a guarantee and are not guaranteed to work for everybody. This is not a commitment to lend or an offer of credit. Speak with your loan officer to discuss any programs and obtain a loan estimate before making a final decision.

FAQ

What is Debt to Income Ratio? (DTI)

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Your debt-to-income ratio is all your monthly debt payments divided by your gross monthly income. In the mortgage process your debt to income ratio will include the projected total monthly payment on the new mortgage.

For example: You make $5,000 per month before taxes. You have a car payment for $400/month, a credit card payment for $75/month, and student loan payment for $145/month. Your projected total PITI monthly payment on your new mortgage is $1400/month. Add up all of your monthly debts ($400 + $75 + $145 + $1400) and you get $2020. Then divide your total monthly debts by your gross monthly income ($2020 / $5000) and you get 0.404. Multiply this number by 100 convert it to a percentage and you end up with your total debt to income ratio of 40.4%

What is FHA?

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FHA stands for Federal Housing Administration. It is a type of mortgage program that is insured by the US Dept of Housing and Urban Development.

What are some of the pro's of an FHA mortgage?

  • FHA mortgages are much more lenient on credit score requirements than other options
  • They allow for much higher Debt to income ratios than other loans allowing you to qualify for more
  • They offer low down payments options
  • They are less strict on recent bankruptcies
  • They offer a flat rate mortgage insurance which is extremely beneficial to low credit score borrowers
  • FHA loans are much more lenient with frequent job changes

Now, when should you NOT use an FHA loan?

  • You have excellent credit (700+)
  • You have a low debt to income ratio (40% or lower)
  • You have no bankruptcies in the last 4 years
  • You have a stable income with minimal job changes
  • You have enough money to put 3% to 20% down.

What is Loan To Value Ratio? (LTV)

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The LTV or loan to value ratio in a mortgage compares the base loan amount of the mortgage to the value of the property. In the case of a purchase transaction the value used for the property is the lesser of the purchase price or the appraised value. In the case of a refinance transaction the value used would be the appraised value.

For example: You are purchasing a home for $200,000 with a conventional mortgage. You plan to put the minimum down of 3% or $6,000. Your base loan amount is the purchase price minus the down payment ($200,000 - $6,000), which gives you $194,000. Upon getting an appraisal for the property it appraised at $220,000 which is good because you are walking into $20,000 of equity, however the loan to value ratio is based off of the purchase price as it is less than the appraised value. To determine the loan to vale you will divide the base loan amount ($194,000) by the purchase price ($200,000) and get 0.97. Then multiply this number by 100 to convert it to a percentage and your loan to value ratio is 97%

What is USDA Rural Development?

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USDA stands for United States Department of Agriculture. The USDA offers a Rural Development mortgage loan options to those who qualify in rural areas.

Advantages of a USDA Rural Development Mortgages:

  • 0% down payment required
  • low flat rate mortgage insurance (less than half of what FHA's mortgage insurance costs)
  • 30 year terms

Disadvantages of USDA Rural Development Mortgages:

  • The property must be considered in a rural development area by USDA
  • They are quite strict on their Debt-to-income ratio requirements
  • With anyone less than a 640 credit score they are much more strict on underwriting guidelines
  • They have income limits

To check Property and Income eligibility visit their website here: https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfpd

What is a Conventional Mortgage Loan

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A conventional loan is a mortgage loan that is not backed by a government agency (Unlike FHA, VA, or USDA). It is broken down into "conforming" and "non-conforming" mortgages. Conforming mortgages follow the lending guidelines set forth by Fannie Mae and Freddie Mac. Non-Conforming loans are often referred to as "Non-QM" mortgages, they do not follow any standard set of guidelines and the guidelines of these mortgage are set forth by each individual lending institution.

Pro's to a Conforming Conventional Mortgage:

  • Discounted mortgage insurance for higher credit score individuals
  • Mortgage insurance is not required when putting 20% or more down
  • Various mortgage products available
  • Low down-payment options
  • Lenient property appraisal requirements

Con's to a Conforming Conventional Mortgage:

  • Minimum credit score of 620
  • Expensive mortgage insurance for credit scores under 680
  • Interest Rates trend higher than government backed mortgage products
  • Strict requirements for bankruptcies and other credit items

What is a Non-QM mortgage?

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A Non-QM loan, or a non-qualified mortgage, is a type of conventional mortgage loan that allows you to qualify based on alternative methods, instead of the traditional income verification required for most loans. Common examples include bank statements or using your assets as collateral. Due to the more flexible qualification requirements, Non-QM loans open up real estate investment opportunities to a broader group of individuals.

Advantages of choosing a Non-QM product:

  • Extremely lenient qualification guidelines (Stated income, Bank Statements Loans, etc)
  • Good for Investors or Self Employed individuals that don't meet conforming guidelines.
  • Fast underwriting turn times and quick decisions.
  • Each lender sets its own guidelines, allowing for a diverse market of options

Disadvantages of using a Non-QM mortgage:

  • High-interest rates compared to Conforming or government mortgages (FHA,VA, USDA)
  • High Down payment requirements (Generally 20-50% depending on the product type)
  • Potential Pre-Payment penalties
  • High points or closing costs

What is included in my mortgage payment? (PITI Payment)

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Your total monthly mortgage payment will generally pay the Principal and interest of the loan. In addition it will pay things like Property Taxes, Property Insurance, and Mortgage Insurance. It is commonly referred to as the PITI Payment standing for Principal, Interest, Taxes, and Insurances.

For more information and a podcast detailing this visit this site: https://www.applywithbrady.com/podcast/piti-payment

Who or What is Fannie Mae?

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Fannie Mase stands for the Federal National Mortgage Association. Fannie Mae is a leading source of mortgage financing in the United States. They make sure affordable housing is accessible to homeowners, homebuyers, and renters across the country and achieve this with the help of our housing partners. They include mortgage lenders and servicers, housing counselors, real estate agents, and other industry professionals. Together, we help millions of people throughout the U.S. find a place that they can call home. Ultimately Fannie Mae offers a standard set of underwriting guidelines for affordable mortgage products.

Fannie Mae mortgages are considered a Conforming Conventional Mortgage. Fannie Mae does not service or originate mortgages, but instead buys mortgages from lenders to hold or re-package the mortgages as mortgage-backed securities that they can sell. The bottom line is, they help make home buying in America more affordable.

Learn more about Fannie Mae here: https://www.fanniemae.com/about-us/what-we-do

Who or What is Freddie Mac?

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Freddie Mac stands for the Federal Home Loan Mortgage Corporation. Freddie Mac was chartered by Congress in 1970 to keep money flowing to mortgage lenders in support of homeownership and rental housing. Their mission is to provide liquidity, stability, and affordability to the U.S. housing market. Ultimately Freddie Mac offers a standard set of underwriting guidelines for affordable mortgage products.

Freddie Mac mortgages are considered a Conforming Conventional Mortgage. Freddie Mac does not service or originate mortgages, but instead buys mortgages from lenders to hold or re-package the mortgages as mortgage-backed securities that they can sell. The bottom line is, they help make home buying in America more affordable.

Learn more about Freddie Mac Here: http://www.freddiemac.com/about/faqs.html

Contact Me- Apply for a mortgage with Brady Bell

Contact me Now:

Click below to call / email me, or add me to your phone contacts to save my information for a later date!

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Ready to chat but don't have time right away? That is just fine. Simply schedule a meeting with me and we can talk at a time that will work for us all. The smart calendar coincides with my personal calendar so any time available works for me!

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Brady William Bell
Mortgage Loan Officer
Licensed in Idaho Only
NMLS # 1900218

Employee of AK Bell Inc.
DBA Bell Financial Group
NMLS # 2066

Cell: (208) 681-1809
Office: (208) 656-1556
Brady@BellFinGrp.com

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