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Throughout the coronavirus (COVID-19) pandemic, we’ve taken every measure possible to protect the health of our customers, business partners, employees and community, while doing all we can to make sure we’re available to help you. Our mortgage team may be relying more heavily on technology to stay connected, yet you can be sure you will still receive the high level of service you expect from us.
Mortgage rates continue to hover around historically low levels. We never know when rates will change, so if you’ve been thinking about buying a home or refinancing your mortgage, your nearest Bell mortgage lender is ready to work with you to find the best options.
Mortgage rates remain low. Our process is largely paperless – and we are ready to help you with your purchase or refinance if the time is right for you.
Contact your nearest Bell Bank Mortgage lender to talk about what you’re looking for and what might be the best option for you.
Manage your mortgage anytime, anywhere when you use Bell Bank’s mobile app and online banking. If you haven’t already done so, sign up for online banking, then download the Bell Bank mobile app on your mobile device. You’ll be able to:
We strongly encourage our customers to use online and mobile banking services as much as possible. You should consider limiting physical payments and instead using one-time draft through online banking or bill pay. We are also strongly encouraging customers to obtain payoff quotes online, and we are asking that all proceeds be sent via wire.
If you have been financially impacted by COVID-19 through illness, loss of income or employment and need assistance, we’re here to help you figure out your options – including mortgage forbearance, a plan that allows qualified applicants to reduce or “pause” your payments.
There is financial help out there, through the 2020 CARES Act and other federal programs:
Most important: DO NOT just skip or reduce payments to your mortgage servicer or any creditor. Reach out to make formal arrangements. The CARES Act is intended to prevent credit reporting for certain missed, late or reduced payments during the crisis. It does not automatically change the systems required to make this work seamlessly between servicers and the credit agencies.
Understanding your available option for assistance is an important step in managing hardships.
If you have been financially impacted by COVID-19 through illness, loss of income or employment and need assistance, you may qualify for a mortgage forbearance – a plan that allows qualified applicants to reduce or “pause” their payments.
If you are considering mortgage forbearance, there are a few things we want to make sure you know:
To help borrowers, the Federal Housing Finance Agency (FHFA) has announced that borrowers who are in forbearance, but current on their mortgage (in other words, continued to make mortgage payments or reinstated their mortgage), or who have recently ended their forbearance, are eligible to apply for a new home mortgage or refinancing through Freddie Mae and Freddie Mac.
During a “forbearance period,” you are not required to make your monthly mortgage payments. However, if you are able to make even partial payments, it will reduce the amount outstanding at the end of the forbearance period.
Your mortgage may be subject to additional investor or loan type requirements and guidelines. Your account must be brought current following your forbearance plan. If you are unable to pay the suspended installments in full or your previous monthly payment is no longer affordable, the below options may be available to you if you meet requirements:
If you would like to be placed on a forbearance plan, please complete and submit the form below. You must:
The form will be submitted to our loss mitigation team for review.When approved, you will receive a letter in the mail confirming the forbearance plan.
Occupancy status of the property:
How have your finances been impacted:
You’ve worked hard to build your credit, purchase a home and secure your financial future. What can you do to minimize the impact of the coronavirus crisis? Here are some important tips to help you.
During this time, we recommend emailing any additional questions to firstname.lastname@example.org whenever possible to allow our remote associates to respond in a timely manner. You can call our mortgage servicing customer service team at 866-387-0980 from 8 a.m. to 5 p.m. CT weekdays.