Let's find a strategy to fit your financial goals!

Meet Ramona

Originating mortgages at Bell since 1994 has given me the experience and knowledge to provide you with the best possible mortgage strategy, service and results – every time. I work strictly on a referral basis, and I am passionate about going the extra mile to ensure your mortgage experience is a smooth and happy one.

Expertise and Specialties

  • Purchases
  • Refinances
  • Primary, secondary or investment properties
  • Minnesota and Wisconsin


MortgageMapp is an electronic business card that does more than share my contact information with you. It also gives you 24/7 access to various tools and calculators to help you research mortgage or refinance options. You can easily share this app with friends and family.

With access to multiple investors, we give clients the flexibility of highly competitive rates and a wide variety of loan programs. We have access to portfolio financing, which provides clients with more financing options.


  • Calculate payments
  • Real time rate trends
  • Request a pre-approval
  • Share with family, friends and clients

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How I Work

I believe communication is the key component of a smooth closing. My team and I are dedicated to keeping you informed by phone or email throughout the process. Even after closing, we'll be available to assist you.

Thank you for your help in securing a mortgage for our new home. The experience has truly been a treat. We shopped around to several lenders and chose Bell because of our initial experience with you, the amazing customer service we have experienced from day one, and the Pay It Forward program. I am confident our positive experience with Bell will only continue.


Honors and Awards

  • Bell Mortgage President's/Platinum Club – a consistent top lender since 1994

*Multiple Year Winner

Community Involvement

  • Spare Key