Meet Kim Hoeft
With 20 years of mortgage experience, I have seen the mortgage industry change tremendously. What has stayed the same for me is the love for what I do. I thrive on seeing my clients excited about a new home and knowing that I was an instrumental part in making their dream a reality. My job and the responsibility that goes along with it are not something that I take lightly. I have learned that customers desire honesty and integrity and I pride myself on those to deliver the best customer experience possible.
The purchase of a home is one of the biggest investments you will make in your lifetime. It should be entered into with the knowledge and expertise of an experienced mortgage professional who can evaluate the most beneficial options for you. With today’s wide array of products, it is important to know that you are making the best financial decision for you and your family. I enjoy sitting down with my clients, asking the right questions about their future financial goals, and determining what options are best.
I take pride in my accomplishments and have been recognized with President’s and Leader’s club awards. I could not achieve these awards without providing great customer service and having a vast knowledge of this industry. I, together with my assistant Kayla McCloud, would love to make the home-buying experience a great one for you.
Our process is smooth and simple from start to finish:
- Talk with me. I will work with you to help you determine your financing options and answer all your questions.
- Apply Online. Complete your mortgage application at your convenience through our online application.
- Work together through final approval. From the time your application is received, I work with you to ensure you move through the process checkpoints to final approval.
- Closing on your loan. Prior to loan closing, I will review the Closing Disclosure, funds needed and documentation to bring to close with you. On closing day the final documents are signed at the title company and you receive the keys to your new home!
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?
Kim is my number one lender of choice. She knows the options available that best fit buyers' needs and she is extremely knowledgeable. The Hoeft Team of Kim and Kayla take the worry out of my transactions as I know I will be kept informed every step of the way. I am confident in their ability to anticipate any issues or concerns that could possibly arise and trust that they know how to handle them. They continue to amaze me and their affiliation with Bell Bank Mortgage has given them opportunities to help more buyers than ever before. Do yourself a favor and put this team to work for you - they are the Best of the Best!
Kim and Kayla have done loans for over 70 of my clients over the past several years. They are my lender of choice. If I need anything at almost any hour, I can call one of them and get answers. That is so valuable to a Real Estate agent. Also – I’ve never seen a lender work harder or be more creative to get the job done. Kim and Kayla are the best! Not only have they proven themselves to be wonderful loan officers, they have become like family. They can’t help but always be real and authentic – which means so much to me and my clients. We know they are not just blowing smoke when they give you a pre-approval.
I would and will continue to recommend Kim and Kayla to all of my clients.
Real Estate Agent
Kim and Kayla are a great team to work with. From a title stand point, we appreciate that the closing package is here days prior to closing and funds are always at closing. Closings are always smooth because the clients are aware of the documents they are signing ahead of time and there are never any loan surprises. I cannot tell you enough how much I truly appreciate when they are the lender on the file. When I see their name, I know that the file will close on time, we won’t have a lobby full of people waiting for anything, that everything will go smooth and closing will be perfect.
As a seasoned Mortgage Professional, Kim prides herself on building strong relationships with clients and, in my experience, doing business with her has exceeded my client’s expectations through market knowledge, proven experience, and her commitment to deliver tailored solutions. Kim has experience with various loan programs and is always available to me and the client. Highly recommended!
Real Estate Agent
Speaking as a Real Estate Closer for Goodhue County Abstract Company, I have had countless good experiences with Kim Hoeft and other employees of Bell Bank Mortgage. They are always very professional, helpful and knowledgeable. They are great to work with.
Kim & Kayla – Your dedication and hard work to get this done so quickly is greatly appreciated! Thank you both so much!
John and Michelle
Kim/Kayla – Thank you so much for making our 1st home buying experience so painless. It was such a pleasure working with you both! Thanks also for the candy jar – we love it!
Marissa & Troy
You have all been such wonderful help and education for all my real estate needs.
About Super Mortgage Professionals
Kim Hoeft was named to both the 2014 and 2015 lists of Super Mortgage Professionals, independently chosen by the homeowners they serve and approved by industry leaders. This annual 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.
About Bell Bank Mortgage
Helping our customers find the smart way home for more than 130 years, Bell Bank 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 Bank 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 Bank 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 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 Bank 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. Bell State Bank & Trust shortened its name to Bell Bank in August of 2016, with the mortgage division becoming Bell Bank Mortgage to simplify the brand while retaining the familiar “trees” logo.
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 Bank 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.