Nick Kalkman's Lending Officer Site
Nick Kalkman

I will work closely with you on your mortgage from start to finish.

Nick Kalkman

Mortgage Loan Officer
NMLS #848682

Meet Nick Kalkman

Here's a little about myself: I was born and raised in Sartell, Minnesota, then attended Minnesota State University Moorhead and received a degree in business administration. I moved to St. Paul shortly after college in the summer of 2004, then met the love of my life, Deanna Schaefer, in the spring of 2008. We have since married and now have two beautiful girls, Addison Lynn and Charlotte Eileen. When I'm not changing diapers, I can be found golfing, fishing or firing up the grill.

During high school and college, I spent my summers landscaping and installing underground sprinklers and working around 60 hours a week, so I learned at an early age what hard work is all about. I bring the same mentality to work every day here at Bell. Bell Bank Mortgage provides the best service in the Minnesota mortgage industry, bar none. If you're looking for a smooth and enjoyable financing experience, I'd love to take care of your and your family's mortgage needs.

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!
  • Mr. Kalkman, I was very pleased with the service I received from you and your establishment (Bell). Very professional and also personally helpful. All of my expectations were met, and I will certainly recommend you to others. I thank you and look forward to partnering with you again in the future.

    Ryan Larson

  • Nick, I wanted to say thank you very much for all you and Bell have done for me this past year. Buying my first home would not have been possible without your help. You guided me through every step of the process, and I will definitely be using you again in the future! Being the first of most of my friends to buy a home, I will have no problems recommending you to them!

    Mike Dolan

  • Nick and his team at Bell Bank Mortgage were able to help me get the financing I needed when other banks couldn’t. Nick did a fantastic job on keeping me updated and well informed on the status of my loan through the entire process; not once did I have to wonder or worry that I wouldn’t get financed. I personally felt like I got wonderful treatment, and I felt like I was the most important customer with how well they took care of me! Nick was professional, and you can tell he truly cares about getting you the appropriate financing and making the process as seamless as possible. I would highly recommend Nick and his team to anyone looking for a home loan; I will definitely be back for any of my future financing needs!

    Katie Bergren

  • Nick rocks! We just completed our refinance, and it couldn't have been easier. I've been putting it off for months, confused on who to contact, afraid of the time/money it would require, and generally just confused about the process. Nick was fantastic. He walked me through every step, answering my questions along the way. We locked in a great rate and completed the process quickly. If you're considering a refinance, give Nick a shout! You complete a simple form via his website, and he walks you through the rest. Thanks for everything, Nick!

    Adam Haviland

Click here to access your web portal to eSign and upload documents.

Meet Nick Kalkman

Here's a little about myself: I was born and raised in Sartell, Minnesota, then attended Minnesota State University Moorhead and received a degree in business administration. I moved to St. Paul shortly after college in the summer of 2004, then met the love of my life, Deanna Schaefer, in the spring of 2008. We have since married and now have two beautiful girls, Addison Lynn and Charlotte Eileen. When I'm not changing diapers, I can be found golfing, fishing or firing up the grill.

During high school and college, I spent my summers landscaping and installing underground sprinklers and working around 60 hours a week, so I learned at an early age what hard work is all about. I bring the same mentality to work every day here at Bell. Bell Bank Mortgage provides the best service in the Minnesota mortgage industry, bar none. If you're looking for a smooth and enjoyable financing experience, I'd love to take care of your and your family's mortgage needs.

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!
  • Mr. Kalkman, I was very pleased with the service I received from you and your establishment (Bell). Very professional and also personally helpful. All of my expectations were met, and I will certainly recommend you to others. I thank you and look forward to partnering with you again in the future.

    Ryan Larson

  • Nick, I wanted to say thank you very much for all you and Bell have done for me this past year. Buying my first home would not have been possible without your help. You guided me through every step of the process, and I will definitely be using you again in the future! Being the first of most of my friends to buy a home, I will have no problems recommending you to them!

    Mike Dolan

  • Nick and his team at Bell Bank Mortgage were able to help me get the financing I needed when other banks couldn’t. Nick did a fantastic job on keeping me updated and well informed on the status of my loan through the entire process; not once did I have to wonder or worry that I wouldn’t get financed. I personally felt like I got wonderful treatment, and I felt like I was the most important customer with how well they took care of me! Nick was professional, and you can tell he truly cares about getting you the appropriate financing and making the process as seamless as possible. I would highly recommend Nick and his team to anyone looking for a home loan; I will definitely be back for any of my future financing needs!

    Katie Bergren

  • Nick rocks! We just completed our refinance, and it couldn't have been easier. I've been putting it off for months, confused on who to contact, afraid of the time/money it would require, and generally just confused about the process. Nick was fantastic. He walked me through every step, answering my questions along the way. We locked in a great rate and completed the process quickly. If you're considering a refinance, give Nick a shout! You complete a simple form via his website, and he walks you through the rest. Thanks for everything, Nick!

    Adam Haviland

Click here to access your web portal to eSign and upload documents.