Joel Terrill's Lending Officer Site
Joel Terrill

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

Joel Terrill

Senior Mortgage Loan Officer
NMLS #255385

Meet Joel Terrill

Joel Terrill is a proud husband and father of two. Joel has been a mortgage banker since 1989. Joel continues to educate himself on the best mortgage options for his clients and is proud to say that 100% of his business is based on referrals.

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

Joel is an active member of his church and enjoys volunteering weekly at his sons' school. "It's important to me to set the right example for my boys," he says. "Volunteering and being an active part of their education is very important to me."

Joel has consistently been ranked in the top 1% of mortgage originators across the country, but takes pride in working one on one with every customer.

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!
  • Where do I begin... After selling my home I was prequalified with a mortgage company who couldn't tell me enough about how great they were and how with my strong credit they could get me closed and in my home within 10 days. Well, almost 25 days later and in jeopardy of losing my soon-to-be-purchased home due to contractual obligations, the mortgage loan officer delivered me the bad news. The underwriters didn't like the way the appraisal was written up and ordered a second emergency appraisal (which eventually was not accepted).
    My agent contacted Joel Terrill who called me immediately. Joel took all my information over the phone and with an amazing effort from him, along with Falon Kerby, I am happy to say I am sitting in my new home while writing this review. No words could adequately describe my heartfelt gratitude to this dueling crusader team who just simply got the deal done! Joel has a can do attitude. Both he and Falon kept me updated in the process and after the closing they both called and emailed me to congratulate me and tell me how happy they were for me. Joel and Falon are a team that cannot be beat!

  • Thank you for making a hard process easy! We really appreciate your help.

    Bill & Susie Johnson

  • When we were looking for the right direction, Joel was there to help us. We really appreciate his honesty and upfront guidance.

    Jason & Mary Jaskowski

  • When we were in the market for a mortgage, Joel made sure that we knew what our options were. He was with us every step of the way! Thanks, Joel!

    Jose & Rene Hernandez

  • Joel, you made the dream of owning a home a reality! We are very grateful for all that you did for our family. Thank you very much!

    Jim & Cindi Anderson

  • I was very nervous buying my first home. Joel went over my options and gave me the direction that 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.

    Francis Shaw

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 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 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.

Meet Joel Terrill

Joel Terrill is a proud husband and father of two. Joel has been a mortgage banker since 1989. Joel continues to educate himself on the best mortgage options for his clients and is proud to say that 100% of his business is based on referrals.

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

Joel is an active member of his church and enjoys volunteering weekly at his sons' school. "It's important to me to set the right example for my boys," he says. "Volunteering and being an active part of their education is very important to me."

Joel has consistently been ranked in the top 1% of mortgage originators across the country, but takes pride in working one on one with every customer.

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!
  • Where do I begin... After selling my home I was prequalified with a mortgage company who couldn't tell me enough about how great they were and how with my strong credit they could get me closed and in my home within 10 days. Well, almost 25 days later and in jeopardy of losing my soon-to-be-purchased home due to contractual obligations, the mortgage loan officer delivered me the bad news. The underwriters didn't like the way the appraisal was written up and ordered a second emergency appraisal (which eventually was not accepted).
    My agent contacted Joel Terrill who called me immediately. Joel took all my information over the phone and with an amazing effort from him, along with Falon Kerby, I am happy to say I am sitting in my new home while writing this review. No words could adequately describe my heartfelt gratitude to this dueling crusader team who just simply got the deal done! Joel has a can do attitude. Both he and Falon kept me updated in the process and after the closing they both called and emailed me to congratulate me and tell me how happy they were for me. Joel and Falon are a team that cannot be beat!

  • Thank you for making a hard process easy! We really appreciate your help.

    Bill & Susie Johnson

  • When we were looking for the right direction, Joel was there to help us. We really appreciate his honesty and upfront guidance.

    Jason & Mary Jaskowski

  • When we were in the market for a mortgage, Joel made sure that we knew what our options were. He was with us every step of the way! Thanks, Joel!

    Jose & Rene Hernandez

  • Joel, you made the dream of owning a home a reality! We are very grateful for all that you did for our family. Thank you very much!

    Jim & Cindi Anderson

  • I was very nervous buying my first home. Joel went over my options and gave me the direction that 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.

    Francis Shaw

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 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 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.