Kevin's Loan Officer Site
Kevin Yamaya

I look forward to tailoring a loan to fit your unique financial situation.

Kevin Yamaya

Senior Mortgage Banker
NMLS #400490

Meet Kevin Yamaya

I believe in making the home financing experience as simple and hassle-free as possible, so that you can enjoy what really matters: Your home! With over 1000 loans closed in just the last 3 years, you can be sure that I am well-informed with current industry standards and guidelines, which will allow us to avoid any pitfalls throughout the loan process.

With 11 total years of experience, you can trust that I will explore all your options and find you the loan that will best suit your needs. I look forward to helping you get the loan, and home, that is perfect for you.

Our process is smooth and simple from start to finish:

  1. Talk with me. I will work with you to help you determine your financing options and answer all your questions.
  2. Apply Online. Complete your mortgage application at your convenience through our online application.
  3. 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.
  4. 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!

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 Bank 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 Bank 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.

 


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 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. And we work in harmony with local and national lending sources to find you the best possible rate and terms.

Meet Kevin Yamaya

I believe in making the home financing experience as simple and hassle-free as possible, so that you can enjoy what really matters: Your home! With over 1000 loans closed in just the last 3 years, you can be sure that I am well-informed with current industry standards and guidelines, which will allow us to avoid any pitfalls throughout the loan process.

With 11 total years of experience, you can trust that I will explore all your options and find you the loan that will best suit your needs. I look forward to helping you get the loan, and home, that is perfect for you.

Our process is smooth and simple from start to finish:

  1. Talk with me. I will work with you to help you determine your financing options and answer all your questions.
  2. Apply Online. Complete your mortgage application at your convenience through our online application.
  3. 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.
  4. 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!

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 Bank 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 Bank 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.

 


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 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. And we work in harmony with local and national lending sources to find you the best possible rate and terms.