Meet Cheryl Stuntebeck
Cheryl's 25 years of experience have given her a high commitment to customer service and prompt communication with her clients. She prides herself on responsive service and professional expertise, while striving to meet the financial needs specific to each client. She asks questions to understand the goals of each client and is sensitive to the concerns of today's financially aware consumers. Competitive rates and fees, along with flexible programs enable Cheryl to help more homebuyers achieve their goals.
Put Cheryl's 25 years of experience to work for you. With a B.A. degree in business from St. Cloud State University, Cheryl has the background needed to professionally evaluate and present the best program to her clients.
With two young children at home, Cheryl successfully juggles her family and her career. She has been married for over 18 years to her husband, Scott, and is the dynamic mother of two wonderful sons.
Our process is smooth and simple from start to finish:
- Talk with me. I will work with you to help you determine your financing options and answer all your questions.
- Apply Online. Complete your mortgage application at your convenience through our online application.
- 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.
- 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!
Home Financing Calculators
- Should I refinance?
- How much will my fixed rate mortgage payment be?
- How much will my adjustable rate mortgage payments be?
- How much will my payments be for a balloon mortgage?
- Should I rent or buy?
- Which mortgage is better for me?
- How much will I save by increasing my mortgage payment?
- How much mortgage might I qualify for?
- How much home can I afford?
- Should I consolidate my loans?
Thank you so much for all of your assistance in purchasing our home. You are truly a very professional person and your kindness is very much appreciated. We love our new home and are finally getting everything in place. Flower gardens are done and back yard is beautiful as is our home.
Thanks again and much success in your business. You were wonderful to work with.
Rick & Annette
I really LOVE my townhouse! It is so peaceful here. I am having a lot of fun buying furniture, decorating, etc. Thank you again for everything that you did to get me into my home so quickly!!! I have told many people about how amazing you are!
Cheryl was an excellent broker for my husband and me when we sold and bought our new home. I do not know anyone whom worked harder to get our closings on the SAME DAY! She was responsive, knowledgeable, and most of all very kind. We would highly recommend Cheryl Stuntebeck!
Tyre and Maima
As a first time home buyer in my late 20s moving from another state, Cheryl made the loan process very easy! Cheryl never took more than a couple hours to get back to me if I contacted her. She took the time to educate me about mortgage rates as well as all the different types of closing costs. Her closing cost estimate was very accurate and the timing of everything was perfect. I would highly recommend Cheryl!
This was my first home buying experience, and Cheryl made it very easy by walking me through each and every step. She was easy to get a hold of, especially when it counted! I called her cell phone on a Saturday afternoon, and she was easy to get ahold of, and she was able to send an approval letter to y realtor immediately so I could write an offer on the house I bought! Wonderful working with her, look forward to working with her again in the future, thanks Cheryl!
I had nothing but a positive experience! I’ve already recommended Cheryl’s services to friends, will continue to do so, and highly recommend to anyone who is looking for a mortgage broker that is definitely at the top of her game! The whole mortgage thing was very foreign to e – she made it easy, answered all of my questions, and handled every little issue that arose to enable my closing to go off without the slightest hitch!
I’ve refinanced twice in the past 4 years through Cheryl. Each time she has taken the time to find the loan that fits the situation I was in at the time. I had no idea there were so many loan options available. She answered all my questions within minutes of me emailing her (email was my communication of choice at the time). My wife and I could not have been happier!
Ryan and Whitney
Thank you for your email, and thank YOU for referring Lauren to us. Sorry for the delay, we have both been on the go all day! We have so enjoyed working with you more and more these past couple of months, and we look forward to continuing that relationship with you. We have been so happy with your service and expertise, and we know any clients we send your way are in good hands - and we will continue to recommend you to them.
Pablo and Dawn
Cheryl was a very knowledgeable lender. From the first meeting for pre-approval she very friendly and very understood with the entire question that I had as a first time home buyer. She promptly answered all of my emails and returned all of my calls the same day throughout the entire process. The entire time, she made sure to inform me of all things a first time homebuyer doesn't even know to ask about. Even after the closing was complete and done, she still checked in a few times to make sure that it all went as planned and there were no issues with the home she was part of purchasing process for. It is nice to still get random surprises and cards from her in the mail wishing all is well. I have already recommended Cheryl for people in need of a lender and will continue to do so in the future because of her amazingly thorough and professional approach to home mortgage lending.
Thank you so much for your help throughout our home purchase. You were extremely quick to respond, and kept things simple when we had questions. You were involved when we needed you, and not involved when we didn't. You showed a lot of balance in walking that fine line. Thanks again, and I hope you had a great weekend.
May I just take this opportunity to once again, say you are the BEST! I LOVE when my clients work with you. I never have to worry about how things are coming along. You are ALWAYS on your "A" game. Feel free to share this with anyone/anywhere you want to. I couldn't be happier with your level of service to my clients.
Matt & I had a meeting today and we were reviewing all of our files. We were looking through John & Lydie Ly's and had a conversation about how awesome it has been to work with you and what a great job you have done throughout the Ly's purchase! It has taken a long time and everyone has been so wonderful to work with & quick to communicate about everything.
We appreciate it & thank you very much!
Christina & Matt
The Strobl Group
We cannot thank you enough! This has been a smooth and stress free process because of you. Thank you for putting up with our many questions and concerns. We are very excited to move into our very own home!
Thank you! Thank you! Thank you!
Jenaya & Luke
My family and I appreciate your help so much and we could not be happier. You, Laura, and Casey all went above and beyond for me and I can't thank you enough for taking the time that you did to ensure that my family would not become homeless. We will never forget the genuine care and hard work you put into getting us into our new home and overcoming the difficulty of dealing with our previous lender. I will recommend your services to anyone I know in the future.
Thanks again for all your help with assisting me with buying my first home!
I want to say thanks for your dedicated service during my loan process. I have recommended you to some of my friends interested in buying homes. I would not refer them to anyone else. I want my loved ones to get the best experience and service just like I did.
Thank you for the nice mailing. Hope all is going well with you. I try to send folks to you whenever I can as I regard your competence and efficiency so high.
I have worked with many mortgage professionals over the years, and Cheryl is the most knowledgeable about the industry: financing options, rules and regulations."
"Cheryl is so professional. Whether it is a first-time homebuyer or an upper-bracket buyer, Cheryl treats each as if they were her most important client."
"Cheryl takes care of everything. When she works with my clients, they understand how their loan is going to work, what their payment will be, what they need to do before closing. Everything is always smooth and hassle-free."
Thank you so much for being my go-to person for closing my FHA mortgage loan. You were phenomenal to work with. Thanks so much for taking great care of my file and the entire process of obtaining a loan and closing it. We are in our dream house!
You have an excellent staff, and I will always be grateful for you going above and beyond for me by answering my questions late at night and keeping me on track. It was true discipline that was accomplished by your encouragement.
Thanks again, Cheryl. I know we will cross paths again!
Thank you so much for all your help. You went out of your way to make sure we understood exactly how everything would work, and we truly appreciate all the time you took with us. We have told all our friends about you!
Justin and I just wanted to send you a thank-you email for all of your help. You made this such an easy process. Going into buying this house, we were scared, and all we could see was dollar signs! You definitely held our hands through this whole process and really helped us to better understand the whole buying process. We feel with you, we were able to find the best loan opportunity out there possible, and by doing so, we are now paying less for a house than we did for our tiny 2-bedroom townhome rent. Thank you soooo much, Cheryl!
Thank you so much for helping me buy my first home! You made the experience go so smoothly. Thanks for answering all my questions; I know I had a lot! We love our new home!
Cheryl helped me get my dream home, she is very good at what she does. I recommended going with her for a loan. I had to move fast because I had a dead line to beat. So, I went to look at seven townhouse on Wednesday and by Thursday we put an offer in and by Friday we got the loan approved in and locked before the new law affected by Monday. The new law was that the date off the foreclosure started 3 1/2 yrs instead of three year that why I had to get my loan in before Monday or I would have to wait 6 more month to approve for a loan!! I'm so thankful that I went with her for the loan and thank you Cheryl Stuntebeck for making my dream come true!!
Souli and Malalack
About Super Mortgage Professionals
Cheryl Stuntebeck was named to both the 2014, 2015 and 2016 lists of Super Mortgage Professionals, independently chosen by the homeowners they serve and approved by industry leaders. This annual list is compiled by Twin Cities Business, Minneapolis-St. Paul magazine and Crescendo Business Services, an Eagan-based market research company. It includes only about 130 mortgage professionals who successfully navigate mortgages.
Mortgage professionals named to the list were graded on customer service, integrity, market knowledge, communication, closing preparation, finding the best rates and overall satisfaction. Each professional went through a rigorous screening process, then was reviewed by a panel of mortgage and real estate industry experts selected to participate in the process based on their experience and knowledge of the industry.
2-4 MONTHS FROM MOVING DATE
- Develop a personal checklist, including:
- Features you are looking for in a home
- Personal goals
- Apply at www.cherylstuntebeck.com
- Do not apply for any other credit. You don’t want to have your credit checked unnecessarily which could negatively impact your credit score
- Choose your realtor
- Recommendations for a realtor based on your personal needs can be provided by Cheryl
- Begin searching for properties with your realtor
1-2 MONTHS FROM MOVING DATE
- View properties with your realtor and choose a home
20-45 DAYS FROM MOVING DATE
- Make an offer on the best house for you
- Home inspection: choose an inspector and schedule an inspection immediately
- Arrange homeowners insurance
- Recommendations on an insurance agent can be provided by Cheryl
- Monitor mortgage process and provide documents to Cheryl, as required/requested
21-28 DAYS FROM MOVING DATE
- Start packing
7-14 DAYS FROM MOVING DATE
- Call moving companies to make moving arrangements
- File address changes with financial institutions, creditors, doctors, insurance, bills, post office, friends and family!
- Transfer utilities for your new home into your name
24-48 HOURS BEFORE CLOSING
- Verify any closing details with Cheryl
- Verify any final mortgage details with Cheryl and confirm the cash-to-close requirements
- Your realtor will arrange a walkthrough of your new home
- Confirm time, date and location of closing
- Sign final loan documents
- Get the keys to your new home
- File for homestead classification as soon as possible, but no later than December 1st!
About Bell Bank Mortgage
Helping our customers find the smart way home for more than 130 years, Bell Bank Mortgage has a reputation for exceptional service and high integrity standards. Our culture centers on customer care and transparency from first contact. We help simplify what is often a very complex system. Applying for a loan is made easy, as our loan officers walk you through the process and the documents needed to support your loan request. Plus, our state-of-the-art technology helps make the mortgage process as stress-free as possible.
We believe that relationships are the key to our continued success and are dedicated to creating the simplest, fastest, efficient and most satisfying experience for our borrowers. You’ll see the Bell Mortgage difference as soon as you meet with one of our loan officers. We take the time to truly get to know you and your financial situation.
The History of Bell Bank Mortgage
In 2011, Minneapolis-based Bell Mortgage became a part of what was then State Bank & Trust, in a history-making venture for both companies. Bell Mortgage has literally been a part of Minnesota since the state’s infancy. The oldest and largest independent mortgage banking company in Minnesota, it was founded in 1880 by early Minneapolis leader David C. Bell. Since then, Bell Bank Mortgage has added locations throughout the Twin Cities and in Phoenix, developed its own proprietary technology for processing and underwriting, and has thousands of family mortgages to its name.
In 2012, State Bank & Trust rebranded as Bell State Bank & Trust, taking on the Bell name to give a more unique identity to a known and respected regional brand. Bell State Bank & Trust shortened its name to Bell Bank in August of 2016, with the mortgage division becoming Bell Bank Mortgage to simplify the brand while retaining the familiar “trees” logo.
Our Commitment to You
Over the years, we have worked with thousands of individuals and families, making home ownership a reality for them. We would love the opportunity to work with you. At Bell Bank Mortgage, we process, underwrite and close your loan within the walls of our office. In-house administration of your loan means we can ensure a quick, accurate and smooth process all the way to closing day. And we work in harmony with local and national lending sources to find you the best possible rate and terms.