Testimonials

Read What Clients Have to Say About Working With Me

Our process was efficient and communication was excellent.

– Kenneth Rupard


It was evident that Joel and his staff really care about their clients. They went above and beyond what was expected. The communication was clear and the follow-up was prompt. I couldn’t have had a better experience.

– Gautham Meka


A family member referred me to Joel Terrill with Bell Bank Mortgage for my refinance with very high recommendations. I reached out to Joel and his quick response to my initial inquiry was excellent, answering my questions quickly and with detail to help me assess my options. Once I reviewed his responses, I initiated my refinance application, and the online application tools were simple to access and follow. As my application proceeded, Joel's staff reached out to me for additional information, always pleasant and professional. Every one of my expectations were met by Joel and his wonderful staff all the way through closing. I plan to recommend him and Bell Bank to friends and other family.

– Ronald Bradley


Good experience beginning to end.

– John Oldani



Superb experience with all personnel. Knowledgeable and responsive.

– Robert Kolba

We recently sold a home and purchased a new home with Bell Bank. Our previous home mortgage and purchase was serviced through Bell Bank, and based on that positive experience, we decided to continue our relationship with them. All of the employees we worked with were polite, courteous, knowledgeable, and timely. Both the sale and purchase went smoothly, and the timing couldn't have worked out better.

– Matthew Mayo



Quick and easy process, thank you! Joel and the gang made this super hassle free. It’s our first buy and I hate paperwork. They were very helpful.

– Mareah Curtis



Joel was wonderful to work with during my mortgage. He has clear communication and does his work timely. Very pleasant and wonderful (no stress) process.

– Carrie Church


Working with Joel and his team is always a smooth experience! They are always able to answer my questions and take the time to make you feel comfortable with the process. They helped with our original mortgage and now our refinance. Couldn’t imagine the process without them!

– Stephanie Speno


Obtaining a mortgage through Bell Bank and specifically Joel Terrill was seamless and one of the easiest loans for us to close. Joel was very responsive whenever we had a question, and from our first conversation on the telephone, we felt this was going to be an easy transaction, and it was. Joe Terrill was exceptional, and we would use him again without hesitation!

– Thomas McCollum


My husband and I just closed on our refinance. It was such a smooth process, I actually forgot it was even happening. I will absolutely be recommending Joel Terrill’s team to anyone who is interested in housing services.

– Chelsea Comfort


Even though we hit some roadblocks, I always knew where we were at in the process. Joel and Malorie are awesome. I have recommended them to friends in the market to buy a home. Thanks, Joel! You guys are awesome – and I’m a homeowner!

– Shannon Woods


Actually quite easy. Lot of documents to upload, but to be expected for the type of loan.

– Michael Tonelli


Overall experience was outstanding. Joel was friendly, courteous, knowledgeable, professional, and very polite.

– Michael Bosc


Joel and his team are top notch! Everything went very smoothly, and their communication through the refinance was impeccable!

– Donna Batie


It’s always super easy working with Joel Terrill! He and his team always are there to help out and answer any questions! Not to mention, they completed my refinance very fast! Bell Bank is definitely my go-to when buying a home!

– David Martinez Ortiz


Working with Joel and his team at Bell Bank was so easy. I never had to wait for a reply to any of my questions. Everyone was polite and informative as well as professional. I had a little bit of a tricky situation with my loan from my previous mortgage company, but Joel made it a painless process, plus he got me a great rate! I would highly recommend them!

– Heather Farr


Joel and team made the loan approval process and the financing as easy for me as possible. They kept me informed with everything that was happening, and I was very happy with the entire experience with Bell Bank Mortgage.

– James Rigney


This has been the best experience in refinancing my mortgage. Everything went very smoothly and quickly. Everyone was very professional and on top of the process. I have never had this level of customer service. It is top notch! Thank you so much!

– Suzanne Kauffman


Joel, Malorie and the rest of the team at Bell Bank Mortgage did a great job of making sure the process was done timely and accurately. They were clear on the information they needed from me to complete the refinance, and when I provided it, there was no need for any follow-up. I highly recommend Joel Terrill and team.

– Craig Bradley


Thorough, caring and enjoyable.

– Gordy Brown


We were informed at each step of the process. The ability to sign documents via secure site was most important during the national health crisis.

– Rachel Sferra


The whole process was very smooth. Any time I had any questions, they were answered quickly.

– Brandon Curro


Joel and Malorie were amazing to work with! They helped us find an amazing realtor and made the whole home-buying process seamless, even in this crazy market being first-time homebuyers. We would highly recommend Bell Mortgage to everyone!

– Christopher Maloney 

Joel was absolutely wonderful from start to finish. He is truly amazing and such an asset to Bell Bank!

– Marina Allen


Joel was always available for us to answer any questions. He stayed on top of our home loan and moved it along quickly. I would say if you need a loan, Joel is the person you want to deal with. He is awesome!

– Debra Swoboda


Bell Bank employees are a very professional team. I appreciated the quick responses to all my questions and emails. The entire process for me to purchase a home went very smooth because of Bell’s team players. I'll recommend Bell to anyone looking for a home in Arizona.

– Carol Robinson


Bell Bank Mortgage was awesome. Our contact, Joel Terrell, was an awesome person I would recommend him to anyone I know. Thank you for your service.

– James Lewis


Everything went very smooth. Our questions were answered quickly. It was just a great experience all the way through.

– Susan Miles


I needed to move quickly and close in less then a month, Bell Bank promised me they could get it done and delivered ahead of schedule while making the process on my end painless.

– Christopher Wulff


Always a great experience, and everyone we spoke to was fantastic.

– Rick Klaeser


Being that we were on a tight schedule, Joel and his team did a fantastic job making it happen.

– Gary Kapp


Joel Terril was the most helpful , knowledgeable loan officer that I have ever worked with. He has a great personality. It was a great experience! And Malorie, his assistant, was just as exceptional!

– Marianne Dubin


Process went very smoothly thanks to the team!

– Joseph Scheinpflug


Joel and team made this an easy process. Great service!

– Scott Spillman


Everyone we dealt with was very helpful. Joel was very responsive when we had questions. Thanks for a smooth refinance at an incredible rate!

– Iain Shovelin


Everyone at Bell Bank was very helpful and very patient. Joel was the best! He always responded to all calls and texts. He made our experience buying a home very positive!

– Vicki Cole


Very good client experience. On top of every email and great with correspondence, making me feel like I was sitting in office.

– Candace Moon


I highly recommend Joel and Bell Bank. I’ve worked with Joel and his team a couple times and would not consider anyone else to provide these services. Completely trustworthy, friendly, communicative, efficient and timely!

– Susan Sullivan


Quick and efficient. Never had to wonder about the process. The support from the Bell Mortgage team was outstanding.

– Curtis Owens


I have worked with Joel several times in the past. Each time has been a great experience.

– Kelly Wyne


Honestly, what was great about this refi is my wife and I barely had to do anything. All we did was send some documents in, then sign some final documents at closing. Which was super easy, since Bell mortgage sent the notary to us. Didn't even leave our house once for this refi.

– Brittany Bosc


Working with Joel and his team is like working with family!

– Genna Hill


Joel Terrill was amazing throughout the process, very informative, and always had our best interests in mind! Joel's assistants Malorie Hessler and Nallely Gutierrez were also great, very professional, and top of things throughout the process. The entire team worked hard to make sure our home purchase process went well and was done on time, even when there were bumps in the road from the process of the sale of our old home.

– Keith Nelson


Very fast and professional!

– Richard Bradsky


Joel and his staff were incredibly professional and friendly, and communication with them was clear and prompt. We highly recommend Joel and his staff!

– Donald Dee


Joel and his team are always so responsive and head off issues before they become issues. I love the attention to detail and consistent care they always provide.

– Jeffery Dow


Bell Bank Mortgage is a very competent, consumer friendly company. I would recommend this company to any one of my associates. Joel Terrill helped us get our mortgage with Bell Bank, and he was the best. From the moment we contacted him, he was there for us with email updates and phone calls. Great rates and a quick and easy process will bring us back if we ever need another mortgage.

– Sheila Curleyhair


I was treated with care and honesty, which is the complete opposite from my last refi with another bank.

– Daniel Petry


Easiest people to work with. We love how fast things went for us and how often things were communicated.

– Victor Carrillo


Very efficient, responsive and nice.

– Thomas Thompson


Joel and everyone in his office were professional and super easy to work with through my loan process.

– Deborah Brady


Great experience. Move very fast and are easy to get a hold of. Great first-time home buying experience

– Kevin Owens