Karin Wald's Lending Officer Site
Karin Wald

I can make buying or refinancing a convenient and enjoyable experience.

Karin Wald

Mortgage Loan Officer
NMLS #331410

Meet Karin Wald

I have dedicated myself to providing unparalleled service, product knowledge and professional standards to each and every mortgage transaction I handle.

Mortgage lending has become very challenging and sophisticated in today's ever-changing financial quagmire. The decisions you make can have significant consequences for years to come. I am committed to educating my clients, as well as guiding them through all of their options in order to make the best financial decision regarding their new home purchase.

My business is built upon referrals, and my goal is to exceed your service expectations throughout each step of the home financing process. Competitive rates and fees, along with a wide variety of programs, enable me to help more homebuyers achieve their goals. Allow me to put my 10 years of experience to work for you.

SMP 2014 SMP_15_logo_new2

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!
  • Karin Wald was referred to me by a close friend; she has supported him and his family through many transactions. His referral was enough for me to reach out to Karin and discuss my future home purchase. From the first interaction through the closing on our home, Karin was incredibly knowledgeable, responsive and easy to work with. She was patient with all of my questions and requests for different mortgage models. Many of our engagements were handled over the phone or electronically, including providing financial documents-- this made it incredibly easy for me to manage the financing process while traveling. I would not hesitate in recommending her to any of my closest friends or family. Throughout the stressful process of buying and selling a home I never felt the need to stress about our new mortgage. She handled everything.

    Carrie S.

  • Karin is the BEST! Throughout our almost 3 month long process of dealing with multiple contingencies and changes, Karin provided outstanding service, guidance, and advice. She was available for us at any time, and all times, day or night, and she responded within minutes almost every time we needed her! She has also handled the mortgage process for both of our daughters' home purchases, so we know how great she is, and she never disappoints!

    Paul and Jennifer

  • My experience with Karin Wald exceeded all expectations. I was prepared to go with another company that I had previous experience with and actually thought Karin and Bell Bank Mortgage seemed a bit "too good to be true.” But after careful research and probing, I decided to stick with them. Now that all is said and done and I am in my new place, I can confidently report that they were as good as they seemed. Several times I thought of questions to ask Karin and when I went to my email to send off the question, I'd find a new one in my inbox from her answering all my questions. Can't get much better than that!

    Mark P.

  • Karin was amazing. She kept in constant contact with us throughout the whole process and made sure that she kept us abreast of what exactly was happening with our purchase/financing. A wonderful lender in a marketplace that is saturated with subpar options. I could not recommend Karin any more highly!

    Nick S.

  • Karin has helped us finance more than one property now and has made the process smooth and efficient due to her knowledge and ability to carry the ball all the way to goal! Not sure why anyone would want to use anyone else since she's the best at what she does!

    Dennie J.

  • As we were planning for our move to St Paul and our purchase of a home, Karin Wald was extremely helpful and made the whole process a positive experience. She was efficient and knowledgeable and made our first impressions of our new home and community very positive. I would recommend her without reservation.

    Burton P.

  • As a first time homebuyer Karin gave me great comfort in the process of my first home purchase. I had worked with many brokers trying to initiate an FHA loan, each broker told me that FHA loans were a poor choice and hard to do, especially the 203k Rehab loans, until I met Karin. Karin explained the whole process and was eager to help me originate a loan with FHA. She was hands on the entire time and always extremely quick to answer any questions I had along the way. I would strongly urge anyone, first time or experienced homebuyer, to choose Karin for their financing needs, her expertise and care are unmatched.

    Ryan

  • Thanks for all of your help, Karin. You made a complicated purchase as easy as possible for us!

    Alison

  • Thank you so much for all your help and answers to my endless questions. You made the whole process so much easier! We couldn’t have done this without you! Thank you!

    Kate, Joel & Grace

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 Super Mortgage Professionals

Karin Wald 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.

SMP 2014 SMP_15_logo_new2

Meet Karin Wald

I have dedicated myself to providing unparalleled service, product knowledge and professional standards to each and every mortgage transaction I handle.

Mortgage lending has become very challenging and sophisticated in today's ever-changing financial quagmire. The decisions you make can have significant consequences for years to come. I am committed to educating my clients, as well as guiding them through all of their options in order to make the best financial decision regarding their new home purchase.

My business is built upon referrals, and my goal is to exceed your service expectations throughout each step of the home financing process. Competitive rates and fees, along with a wide variety of programs, enable me to help more homebuyers achieve their goals. Allow me to put my 10 years of experience to work for you.

SMP 2014 SMP_15_logo_new2

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!
  • Karin Wald was referred to me by a close friend; she has supported him and his family through many transactions. His referral was enough for me to reach out to Karin and discuss my future home purchase. From the first interaction through the closing on our home, Karin was incredibly knowledgeable, responsive and easy to work with. She was patient with all of my questions and requests for different mortgage models. Many of our engagements were handled over the phone or electronically, including providing financial documents-- this made it incredibly easy for me to manage the financing process while traveling. I would not hesitate in recommending her to any of my closest friends or family. Throughout the stressful process of buying and selling a home I never felt the need to stress about our new mortgage. She handled everything.

    Carrie S.

  • Karin is the BEST! Throughout our almost 3 month long process of dealing with multiple contingencies and changes, Karin provided outstanding service, guidance, and advice. She was available for us at any time, and all times, day or night, and she responded within minutes almost every time we needed her! She has also handled the mortgage process for both of our daughters' home purchases, so we know how great she is, and she never disappoints!

    Paul and Jennifer

  • My experience with Karin Wald exceeded all expectations. I was prepared to go with another company that I had previous experience with and actually thought Karin and Bell Bank Mortgage seemed a bit "too good to be true.” But after careful research and probing, I decided to stick with them. Now that all is said and done and I am in my new place, I can confidently report that they were as good as they seemed. Several times I thought of questions to ask Karin and when I went to my email to send off the question, I'd find a new one in my inbox from her answering all my questions. Can't get much better than that!

    Mark P.

  • Karin was amazing. She kept in constant contact with us throughout the whole process and made sure that she kept us abreast of what exactly was happening with our purchase/financing. A wonderful lender in a marketplace that is saturated with subpar options. I could not recommend Karin any more highly!

    Nick S.

  • Karin has helped us finance more than one property now and has made the process smooth and efficient due to her knowledge and ability to carry the ball all the way to goal! Not sure why anyone would want to use anyone else since she's the best at what she does!

    Dennie J.

  • As we were planning for our move to St Paul and our purchase of a home, Karin Wald was extremely helpful and made the whole process a positive experience. She was efficient and knowledgeable and made our first impressions of our new home and community very positive. I would recommend her without reservation.

    Burton P.

  • As a first time homebuyer Karin gave me great comfort in the process of my first home purchase. I had worked with many brokers trying to initiate an FHA loan, each broker told me that FHA loans were a poor choice and hard to do, especially the 203k Rehab loans, until I met Karin. Karin explained the whole process and was eager to help me originate a loan with FHA. She was hands on the entire time and always extremely quick to answer any questions I had along the way. I would strongly urge anyone, first time or experienced homebuyer, to choose Karin for their financing needs, her expertise and care are unmatched.

    Ryan

  • Thanks for all of your help, Karin. You made a complicated purchase as easy as possible for us!

    Alison

  • Thank you so much for all your help and answers to my endless questions. You made the whole process so much easier! We couldn’t have done this without you! Thank you!

    Kate, Joel & Grace

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 Super Mortgage Professionals

Karin Wald 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.

SMP 2014 SMP_15_logo_new2