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

Joel Terrill Team

Left to right: Liza Lucas, Nallely Gutierrez, Malorie Hessler, Joel Terrill

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.

Now that we have closed on our house, I wanted to say thank you for all your help. We are so grateful for the way you repeatedly went above and beyond to help us with the challenges on our loan, and to answer all of our questions. It was a pleasure working with you, and we will be sure to refer anyone we talk to who is looking for lending services to you.

Expertise and Specialties

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


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.