Meet Robyn Kloner
Thank you for visiting my website. With more than 25 years of lending experience in the Arizona mortgage industry, I realize now more than ever that expertise, integrity, and honesty are the most essential factors in a sucessful mortgage closing. Having helped thousands of satisfied homeowners obtain financing, one thing has remained constant: your goals are my motivation.
Please feel free to contact me with any questions you may have. I sincerely look forward to working with you.
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?
Although I was excited to purchase my first home, I was a bit anxious about closing the loan. Additionally, as a CPA working long hours during “busy season,” I didn’t have much time to dedicate to toward the process of obtaining and closing a loan. Robyn and the Bell Mortgage staff streamlined the mortgage process to allow me to focus my time on my job and family. From the time of application until the close of the loan, Bell Mortgage provided me with the professionalism, knowledge and integrity that I needed.
As a real estate agent, I am often solicited by loan officers vying for business and am often leery. However, working with Robyn Kloner and Bell Mortgage has completely taken the fear out of referring my clients who are needing a home loan. Not only is Robyn experienced with identifying loan programs that work for each individual and working expertly within the changing market trends, but she is honest, efficient, communicative and, best of all, she follows through to get the job done! I am so grateful to have been introduced to Robyn and am proud to refer business to her! Thank you, Robyn, for making my job that much easier!
A long time ago, someone told me a strange fact that I have come to realize is so true. For every one person who is willing to recommend someone's service, there are 100 people who also would but never took the the time do so. With that in mind, and the fact that 40 years of building and selling homes can make you some what cynical toward your peers, I just wanted to let those who need to know who to depend on when it comes to your next loan.
I've known and worked with Robyn Kloner since 1987, and in all that time, I have only had the highest regard not only for her integrity as a person but also for the over-the-top caring she's provided to every client I've ever recommended to her. I've seen her express her skill over and over again, decade after decade. The industry of loan origination is riddled with inexperienced loan officers who do nothing more than fill out an application and hope it works out. In today's market, that just is not enough.
Now more than ever, the consumer not only requires but should demand a highly skilled professional such as Robyn and her extensive team of professionals. All of them work with the same intensity that has made them #1 to over 10,000 past clients. Underwriting guidelines and government changes are a daily occurrence these days, and Robyn is one of a small handful who understands how those changes impact your life and loan. For the best loan experience you could ever have, my referrals and loans go straight to Robyn.
Just 1 of hundreds who recommend Robyn Kloner!
CRS, CREA, CDPE
I picked up the keys and spent the night at the new house. Thanks so much for all your help! That was the quickest I've ever heard of the entire process ever going through for a home buying experience!
I know both of you worked very hard to assist me with purchasing my house. I want to thank you SO MUCH for all your efforts. So many people have told me that they or someone they know could not qualify for a loan or had to leave the business due to the terrible market. I feel so lucky and blessed not only to have the home I wanted in the first place but also to have had such nice people like you to work with.
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.