Meet Aaron C. Vang
For commitment you can count on, Bell Mortgage makes home financing understandable, easy and convenient. We offer a wide range of financing options, interest rates and terms, giving you the opportunity to find the best loans for your needs. I will work closely with you from start to finish to shop for a loan, apply for your loan online, quickly lock in rates, get a rapid loan application approval and quickly close the loan.
Let me show you how easy it is to buy a home! Work with me for trust, service, education, savings options and a team approach.
First, my philosophy, and the philosophy of Bell Mortgage, is to build relationships based on trust. There are never junk fees of any kind added to the mortgages that we finance. We believe honesty is the best policy.
Second, I believe in providing the best service possible to all my clients, whether this means getting a pre-approval letter to you over a weekend or talking with your Realtor after regular business hours. I realize timing is a crucial element in finding the right home and would never let anything stand in the way of one of my clients purchasing their dream home. Service is not just an act I put on, it's an attitude I have.
Third is education. Purchasing a home is one of the most important decisions many people will ever have to make in their lifetime; therefore, I believe it is important to understand the mortgage process and how home financing works. I make the process more of a team effort, rather than just calling you when something goes wrong or after everything has been completed.
My goal in sharing my knowledge of the mortgage industry is not only to educate you, but also to be able to show you the many different options that are available to you. I then help you to choose the option that best fits your needs. The end goal, of course, is to help you save as much money as possible while allowing you to purchase the home you want.
One more unique feature of working with me is that I try to make the process of finding a home as easy as possible for you. I have been working hard to build relationships with local Realtors so that once I have you pre-approved for a mortgage loan, I can refer you to the Realtor I feel would be most compatible for your situation. The Realtors I team up with are also honest, loyal individuals who truly care about helping you find the right home.
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?
Aaron was extremely customer-focused in his interactions with my wife and me during our refinancing. He offered constant communication and wanted to make sure that we understood each step of the process. We couldn't be happier with how customer-intimate Aaron was throughout our refinancing process.
I was very happy with the service Aaron provided on my refinance. He is very honest and makes sure that you understand what he is talking about during the loan process. Aaron also gave me many different options for my loan so that I could choose the best plan. I will highly recommend Aaron and Bell Mortgage for anyone who values honesty and great service.
Aaron, it was great working with you. You let us know what you needed by when and were very prompt replying to emails and other questions we had throughout the process. We really appreciated that you were at closing to help us get the PMI issue squared away right away. It is always easier to make the correction before they have it processed into their system. Thanks again for all your help!
Kurt & Peggy
I just wanted to send you a quick note to thank you for everything you have done for us ... I was glad to finally have someone I could trust and who didn't seem to mind all of my questions. You really were a pleasure to work with. Good luck with everything. And if you ever get down here, please let me know. It would be fun to meet you. Take care.
Queens Creek, Ariz.
Aaron, I just want to reiterate how awesome this whole process has been with you. You are VERY good at what you do! In the MANY times we've refinanced or attempted to refinance, it has never been this smooth and easy. I have NEVER seen an appraisal report of my house! No one has ever tried to help fix up my credit. I feel like our entire financial state of well being is FAR better off because we have worked with you. Thank you, thank you, thank you!
Jill & Daniel
South St. Paul, Minn.
I love my new house. Thanks for all your help to make the closing go smoothly.
Aaron, I want to let you know how much I appreciate your help in walking me through the process and making sure I understood the paperwork. Even with the problems I encountered, you helped to make sure everything was in order so I could close on time. I love my new home, and I appreciate the teamwork that made it possible. Thank you for everything.
Thank you fro making this a totally painless refinance. I very much appreciate it.
I am so impressed with Aaron Vang and Bell Mortgage. The professionalism and caring by your team is OUTSTANDING! I am a customer for life!
Thank you so much for your help and understanding. We both agree that for a young man (in comparison to us) to be that concerned with others is truly rare today.
Lyle & Olive
Sturgeon Lake, Minn.
I just wanted to let you know that it certainly was a pleasure working with you. You were thorough in providing me with the options and information I requested, and you were responsive to my many questions. I want to thank you for stopping by my office to get signatures and pick up documentation. This was a convenience that was unexpected, but very much appreciated! Your professionalism and desire to provide awesome customer service is also appreciated. The closing today went very smooth, and everything was in order. I realize this was a team effort, and Bell/USA Title are to be commended. Thank you again for making this home-buying experience a pleasant one! Please let me know if you ever need a reference.
St. Louis Park, Minn.
About Super Mortgage Professionals
Aaron Vang was named to the 2012 list of Super Mortgage Professionals, independently chosen by the homeowners they serve and approved by industry leaders. This 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.