Meet Joyce Windschitl Hercules
Thank you for visiting my site. I know you'll find the services offered here helpful and the loan programs not only convenient, but very competitive. It's my goal to help you cut through the clutter and noise in the mortgage marketplace, so you can quickly and efficiently find a loan that meets your objectives and fits your lifestyle.
As a professional in the mortgage lending industry, I've built my reputation on providing outstanding service to my clients. That means you can count on me to always look out for your best interests, and to keep you informed throughout every step of the lending process. Please don't hesitate to call if you have questions about the information you find here on our web site.
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?
You left no rock unturned in getting us approved through the bureaucracy. We know you spent countless hours getting us approved. The rate is spectacular. You are incredible. Thank you.
Tim & Nikki
First Time Homebuyers
By the time my realtor set me up with you I was very overwhelmed and feeling so down and out. You were the first person who I talked to that really made me feel worthy and able to accomplish buying a house. Other banks and mortgage companies really discouraged me. You truly were a blessing in my life at the perfect time. You didn’t just do your job though, you really lifted me up, made things happen, and gave me a lot of inspiration and hope. WE DID IT! I am so happy. My gutted foreclosure has been remodeled and furnished and looks amazing. Thank you so much. You are a wonderful woman and you have a big heart.
First Time Homebuyer
I cannot thank you enough for all the time and work you put into getting me approved for my beautiful, peaceful, cozy home! I am forever grateful to you.
Thank you for all your help and hard work! We will definitely recommend you any chance we get! We are very grateful for all your attention to every detail!
Dale & Linda
Many thanks! You are awesome! Great rate.
First Time Homebuyer
I was able to smoothly and easily refinance two properties with record speed, impeccable service, fair rates, and professional attention to detail. Without hesitation, I refer my friends, neighbors and co-workers to Joyce knowing they are in good hands.
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 all the strength and resources of the region’s largest mortgage bank! That means competitive rates, programs, costs and unequaled personal service.
About Super Mortgage Professionals
Joyce 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.