Joel Terrill photo

I make buying or refinancing convenient and enjoyable.

Meet Joel

Thanks to his many, many satisfied customers and business partners, 100% of Joel Terrill's business is by referral.

Joel started originating residential mortgages in 1990 and quickly rose to be one of Arizona's top 1% mortgage loan officers. But customers are never numbers to Joel, who takes pride in working one on one with you.

Meet the Team

Liza Lucas, mortgage processing loan officer assistant, has worked as Joel’s processor since 2003. Working closely with Bell’s underwriters to determine the most efficient path for full loan approval, Liza is the final pair of eyes, golden ticket for submission to underwriting and, as Joel says, “the best I have ever worked with!”

Outside of work, Liza loves spending time with her family, baking delicious cakes and running. “Got to outrun those cake calories,” she explains.

Malorie Hessler, loan officer assistant, joined Bell as Joel’s assistant in 2016, and Joel calls her, “one of the best in the business.” Her attention to detail comes in handy as she thoroughly and precisely puts together your loan application, before sending it to Liza for final review and underwriting for full loan approval. You will hear from Malorie quite a bit as she works closely with you to answer your questions, while we build your loan for underwriting.

When not in the office, Malorie loves to read, travel and spend time with her family (and if she can do that while eating Mexican food or pizza, even better!).

Jacob Terrill, associate loan officer, is the latest addition to Joel’s team, having joined Bell in 2021. Jacob is involved in every step of the mortgage loan process, learning everything he can to ensure his future success as a loan officer. As his father, Joel is very proud of Jacob’s graduation from Northern Arizona University, and that his son has decided to follow in his footsteps. “It brings me joy to be able to show him the ropes and the opportunity to lead him further into his future,” Joel remarks.

In his spare time, Jacob loves to compete by playing basketball and golf.

Nallely Gutierrez, loan officer assistant, has been helping Joel’s team since 2017. Focusing mainly on marketing, Nallely helps coordinate events, advertisements and gifts. You will likely meet Nallely (whose name means “I love you” and is of Zapotec origin) during your signing appointment with the title company.

How Joel Works

Whether it's helping his customers purchase a new home or refinance their current mortgage, Joel is always available, working personally with his customers to help them make the right decisions on their mortgage.

I was very nervous buying my first home. Joel went over my options and gave me the direction I needed. I was able to get a mortgage that was right for my budget. I have referred 3 of my friends to Joel! Thank you, Joel.

F. Shaw

Expertise and Specialties

  • Purchase
  • Refinance
  • Investment properties
  • Vacation/second homes
  • MortgageMapp


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 & clients

Download today

Community Involvement

Joel is an active member of his church and enjoys volunteering in his community.

Bell Bank employees in our Bell Mortgage Phoenix, Ariz., office pooled their Pay It Forward funds to help an Arizona family keep their foster children.