PJ Harris
PJ Harris

I'll provide you with smart lending, strong financing and savvy solutions!

PJ Harris

Mortgage Banker
NMLS #452533

Meet PJ Harris

Feel free to explore our web site and take advantage of what it offers. Our intent is to provide you another means of communication with us. We recognize the power of the Internet and the benefits of using this powerful tool. However, we don't believe that a computer or the Internet will ever be able to listen to you and advise you in a way that fits your exact set of circumstances.

Please call us so that we can discuss all the options and together we can choose the option that best suits your needs.

I am proud to partner with Homes for Heroes to support the citizens who give so much to our communities every day. To learn more about how I can save money for teachers, military service men and women, veterans, police, firefighters, EMT professionals, and more, click here: http://www.homesforheroes.com/affiliate/pj-harris

SMP 2012-2013.Logos.Web sized.small Print

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!
  • We would like to express our sincere gratitude for all of your hard work and excellent advice! You were so easy to work with and always put us at ease during this first time process!

  • …having a banker like you who was always available and so willing to work with us made everything more comfortable and the process very smooth. Purchasing our first home was stressful at times…but it all came together...

  • We never expected to meet someone so special and to gain a friend when we applied for a home loan. But we did! Thank you so much for everything with the house. I’m sure we will be thanking you more in the future.

  • I wanted to take a moment to thank you for all you have done to make my new home a reality. Your professionalism, pleasantness, willingness to jump through the last minute hoops, and your dedication to your client did not go unnoticed or unappreciated. While I know it is “your job”, it became apparent very early on that you truly were an advocate for me and a joy to work with.

  • Thank you, all of you, for your efforts and successes on our behalf. You are an amazing team and I have enjoyed working with you.

  • PJ is great to work with. She helped us with the purchase of our condo. PJ and her colleague Brandie have been instrumental to our ability to get our affairs in order AND understand the many pages of paperwork we are filling out. They've answered our questions nearly every hour of the day/night and even on the weekends. The financing is stressful, but they helped us to save money, understand our options, and choose a loan that works for us now and in the future.

  • I felt comfortable with you and your team since the first time we met. Your level of expertise and service are unheard of.

  • I am writing to you on the occasion of making my first refinanced mortgage payment. Wahoo, I’ve never been so happy to make a mortgage payment. As I keep saying to you, I have kind of been waiting for something frustrating and unhelpful to happen in this process. Well, the papers are all official, my first payment is in, and it appears that you have accomplished what I didn’t think could happen. In stark contrast to my previous experience with my bank of nearly 3 decades, you made this experience easy, understandable, fast, and kind of fun—or at least very gratifying, I am so pleased with the rate we were able to achieve. As you know, my sister is a huge fan of yours, given her positive experience, but working with you honestly exceeded my expectations. Please extend my thanks to Brandie too. She was so efficient and helpful. I have been telling my friends about my experience with you, so hopefully I will send some more business your way as another expression of my gratitude. Thanks again!

  • PJ, I just wanted to let you know that after dealing with other financial people, I appreciate you and your colleagues promptness and professionalism 100 times more than I already did! My sisters hope to go in to real estate investment so I will make sure they go through you!

August 2010 - PJ Harris named Minneapolis/St. Paul City Living Single Family Program Top 6 Lender Award Winner

PJ Harris was named a 2016 Super Mortgage ProfessionalTM by Minneapolis St. Paul Magazine and Twin Cities Business. This award is given to mortgage professionals who demonstrate exceptional ability and service. It is not based on sales volume and less than 4% of mortgage professionals in Minnesota receive this recognition.

SMP 2012-2013.Logos.Web sized.smallPrint


Home Construction Loans

You talked about it, dreamed about it, and now you’re ready to build your new home. Let us make the process a smooth one, from your construction loan to permanent home financing. Build on our experience to help bring your dream home to life. Our home construction lenders offer you:

  • Experience – We know the neighborhoods, local contractors and subcontractors, construction processes, costs and loan options.
  • Flexibility – We can work with contractors, or directly with you as the general contractor.
  • Credibility – We work with reputable, licensed builders.
  • Economy – We offer competitive rates on loan options that fit you, with local underwriting and processing.
  • Simplicity – We team up to create a smooth transition from your construction loan to permanent home financing.

If you are interested in talking about a home construction loan, just give me a call.


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 Bank 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 Bank Mortgage team brings years of financing experience and all the strength and resources of the region’s largest mortgage bank! That means competitive rates, programs, costs and unequaled personal service.

First Time Home Buyer Classes

Please join us for an informative First Time Home Buyer class.  This class provides valuable information on the types of programs available to first time home buyers as well as:

  • How to qualify and get approved
  • How to purchase a bank owned or foreclosed property
  • Advantages to owning a home
  • Information on credit scores

Classes will be held:

New Class schedule to be announced soon...call for an individual appointment 952.540.6179

Location:
Bell Bank Mortgage - Minneapolis Location
5500 Wayzata Boulevard, Suite 300
Minneapolis, MN  55416

To register:
E-mail your name and contact information to:  pjharris@bellbanks.com


Down Payment Assistance & Grant Programs

Minnesota has many grant programs available.  These programs offer first time buyers and even repeat buyers additional funds to help them get into a home.  Several communities in the Metro area have individual programs.  Below is some information on a few of the various programs.  Please feel free to call us for more details.

City Living Home Program - Minneapolis or St. Paul

  • To utilize the funds the borrowers must purchase a home in the cities of Minneapolis or St. Paul only.
  • Borrowers must be first time homebuyers evidenced with 3 years personal federal tax returns.
  • Maximum purchase price applies: contact Loan Officer for details.
  • Household income limitations apply: see Loan Officer for details.
  • Homebuyers training required.  See homeownershipstandards.com for details.
  • The home must be your primary residence.
  • Assistance up to 2% is available, call for current rate.
  • $1,000 required investment by the borrower, and any program requirement for lender.  Fees associated with this program include a $460 administrative fee.

City of Woodbury Assistance - Woodbury

  • To utilize the furnds you must purchase a home in the City of Woodbury.
  • Borrowers must be first time homebuyers evidenced with 3 years personal federal tax returns OR the home is in foreclosure.
  • Maximum purchase price applies: contact Loan Officer for details.
  • Household income limitations apply:  contact Loan Officer for details.
  • The home must be your primary residence and borrower must contribute 5% down.
  • Borrower may qualify for up to $25,000 to assist with down payment and closing cost expenses.  This is a deferred interest rate loan, call for current rate.
  • Funds are available on purchases only and must be reserved.

Dakota County Bond Program

  • To utilize the funds the borrowers must purchase a home in Dakota County.
  • Borrowers must be first time home buyers evidenced with three years personal federal tax returns.
  • Maximum purchase price applies:  contact Loan Officer for details.
  • Household income limitations apply:  contact Loan Officer for details.
  • Homebuyers training required prior to closing.  Visit hocmn.org for details.
  • The home must be your primary residence and minimum down payment of $750 is required.
  • Down payment?  Closing Cost Assistance available in amounts of 10%, 5%, or 2.5% (dependent upon income limits)

First Home Buyer Assistance Program - Ramsey County

  • To utilize the funds the borrowers must purchase a home in Ramsey County excluding the City of St. Paul and be employed in Ramsey County including St. Paul for three years.
  • Borrowers must be first time home buyers evidenced with three years personal federal tax returns.
  • Maximum purchase price applies:  contact Loan Officer for deatils.
  • Household income limitations apply: see Loan Officer for details.
  • Homebuyer's training required.  Training sessions are available around the metro with many dates to choose from.
  • Works with any conventional fixed rate loan.
  • Buyers must contribute 1% of the purchase price or 2% of the mortgage amount, whichever is greater.

Other Assistance Programs include:

Rural Development

  • To utilize funds the property must be located in a Rural Development Eligible Area.  To check if a property is in the eligible area go to:  http://eligibility.sc.egov.usda.gov
  • No purchase price limit.
  • Household income limitations apply:  contact Loan Officer for details.
  • Homebuyer's training is not required for this program and you do not have to be a first time homebuyer.
  • Rural Housing does not require a down payment and not monthly mortgage insurance.
  • Rural Housing loans have competitive rates.
  • Borrower may qualify 1 year out of bankruptcy or foreclosure.

Many other assistance and grant programs are available across the state of Minnesota.  The information on this site provides a general overview of programs available in and around the Metro area.  All program criteria are subject to change without notice.  Bell Bank Mortgage is not responsible for program updates.  For further information on all programs, please contact the Loan Officer listed or call the program office directly.

Meet PJ Harris

Feel free to explore our web site and take advantage of what it offers. Our intent is to provide you another means of communication with us. We recognize the power of the Internet and the benefits of using this powerful tool. However, we don't believe that a computer or the Internet will ever be able to listen to you and advise you in a way that fits your exact set of circumstances.

Please call us so that we can discuss all the options and together we can choose the option that best suits your needs.

I am proud to partner with Homes for Heroes to support the citizens who give so much to our communities every day. To learn more about how I can save money for teachers, military service men and women, veterans, police, firefighters, EMT professionals, and more, click here: http://www.homesforheroes.com/affiliate/pj-harris

SMP 2012-2013.Logos.Web sized.small Print

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!
  • We would like to express our sincere gratitude for all of your hard work and excellent advice! You were so easy to work with and always put us at ease during this first time process!

  • …having a banker like you who was always available and so willing to work with us made everything more comfortable and the process very smooth. Purchasing our first home was stressful at times…but it all came together...

  • We never expected to meet someone so special and to gain a friend when we applied for a home loan. But we did! Thank you so much for everything with the house. I’m sure we will be thanking you more in the future.

  • I wanted to take a moment to thank you for all you have done to make my new home a reality. Your professionalism, pleasantness, willingness to jump through the last minute hoops, and your dedication to your client did not go unnoticed or unappreciated. While I know it is “your job”, it became apparent very early on that you truly were an advocate for me and a joy to work with.

  • Thank you, all of you, for your efforts and successes on our behalf. You are an amazing team and I have enjoyed working with you.

  • PJ is great to work with. She helped us with the purchase of our condo. PJ and her colleague Brandie have been instrumental to our ability to get our affairs in order AND understand the many pages of paperwork we are filling out. They've answered our questions nearly every hour of the day/night and even on the weekends. The financing is stressful, but they helped us to save money, understand our options, and choose a loan that works for us now and in the future.

  • I felt comfortable with you and your team since the first time we met. Your level of expertise and service are unheard of.

  • I am writing to you on the occasion of making my first refinanced mortgage payment. Wahoo, I’ve never been so happy to make a mortgage payment. As I keep saying to you, I have kind of been waiting for something frustrating and unhelpful to happen in this process. Well, the papers are all official, my first payment is in, and it appears that you have accomplished what I didn’t think could happen. In stark contrast to my previous experience with my bank of nearly 3 decades, you made this experience easy, understandable, fast, and kind of fun—or at least very gratifying, I am so pleased with the rate we were able to achieve. As you know, my sister is a huge fan of yours, given her positive experience, but working with you honestly exceeded my expectations. Please extend my thanks to Brandie too. She was so efficient and helpful. I have been telling my friends about my experience with you, so hopefully I will send some more business your way as another expression of my gratitude. Thanks again!

  • PJ, I just wanted to let you know that after dealing with other financial people, I appreciate you and your colleagues promptness and professionalism 100 times more than I already did! My sisters hope to go in to real estate investment so I will make sure they go through you!

August 2010 - PJ Harris named Minneapolis/St. Paul City Living Single Family Program Top 6 Lender Award Winner

PJ Harris was named a 2016 Super Mortgage ProfessionalTM by Minneapolis St. Paul Magazine and Twin Cities Business. This award is given to mortgage professionals who demonstrate exceptional ability and service. It is not based on sales volume and less than 4% of mortgage professionals in Minnesota receive this recognition.

SMP 2012-2013.Logos.Web sized.smallPrint


Home Construction Loans

You talked about it, dreamed about it, and now you’re ready to build your new home. Let us make the process a smooth one, from your construction loan to permanent home financing. Build on our experience to help bring your dream home to life. Our home construction lenders offer you:

  • Experience – We know the neighborhoods, local contractors and subcontractors, construction processes, costs and loan options.
  • Flexibility – We can work with contractors, or directly with you as the general contractor.
  • Credibility – We work with reputable, licensed builders.
  • Economy – We offer competitive rates on loan options that fit you, with local underwriting and processing.
  • Simplicity – We team up to create a smooth transition from your construction loan to permanent home financing.

If you are interested in talking about a home construction loan, just give me a call.


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 Bank 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 Bank Mortgage team brings years of financing experience and all the strength and resources of the region’s largest mortgage bank! That means competitive rates, programs, costs and unequaled personal service.

First Time Home Buyer Classes

Please join us for an informative First Time Home Buyer class.  This class provides valuable information on the types of programs available to first time home buyers as well as:

  • How to qualify and get approved
  • How to purchase a bank owned or foreclosed property
  • Advantages to owning a home
  • Information on credit scores

Classes will be held:

New Class schedule to be announced soon...call for an individual appointment 952.540.6179

Location:
Bell Bank Mortgage - Minneapolis Location
5500 Wayzata Boulevard, Suite 300
Minneapolis, MN  55416

To register:
E-mail your name and contact information to:  pjharris@bellbanks.com


Down Payment Assistance & Grant Programs

Minnesota has many grant programs available.  These programs offer first time buyers and even repeat buyers additional funds to help them get into a home.  Several communities in the Metro area have individual programs.  Below is some information on a few of the various programs.  Please feel free to call us for more details.

City Living Home Program - Minneapolis or St. Paul

  • To utilize the funds the borrowers must purchase a home in the cities of Minneapolis or St. Paul only.
  • Borrowers must be first time homebuyers evidenced with 3 years personal federal tax returns.
  • Maximum purchase price applies: contact Loan Officer for details.
  • Household income limitations apply: see Loan Officer for details.
  • Homebuyers training required.  See homeownershipstandards.com for details.
  • The home must be your primary residence.
  • Assistance up to 2% is available, call for current rate.
  • $1,000 required investment by the borrower, and any program requirement for lender.  Fees associated with this program include a $460 administrative fee.

City of Woodbury Assistance - Woodbury

  • To utilize the furnds you must purchase a home in the City of Woodbury.
  • Borrowers must be first time homebuyers evidenced with 3 years personal federal tax returns OR the home is in foreclosure.
  • Maximum purchase price applies: contact Loan Officer for details.
  • Household income limitations apply:  contact Loan Officer for details.
  • The home must be your primary residence and borrower must contribute 5% down.
  • Borrower may qualify for up to $25,000 to assist with down payment and closing cost expenses.  This is a deferred interest rate loan, call for current rate.
  • Funds are available on purchases only and must be reserved.

Dakota County Bond Program

  • To utilize the funds the borrowers must purchase a home in Dakota County.
  • Borrowers must be first time home buyers evidenced with three years personal federal tax returns.
  • Maximum purchase price applies:  contact Loan Officer for details.
  • Household income limitations apply:  contact Loan Officer for details.
  • Homebuyers training required prior to closing.  Visit hocmn.org for details.
  • The home must be your primary residence and minimum down payment of $750 is required.
  • Down payment?  Closing Cost Assistance available in amounts of 10%, 5%, or 2.5% (dependent upon income limits)

First Home Buyer Assistance Program - Ramsey County

  • To utilize the funds the borrowers must purchase a home in Ramsey County excluding the City of St. Paul and be employed in Ramsey County including St. Paul for three years.
  • Borrowers must be first time home buyers evidenced with three years personal federal tax returns.
  • Maximum purchase price applies:  contact Loan Officer for deatils.
  • Household income limitations apply: see Loan Officer for details.
  • Homebuyer's training required.  Training sessions are available around the metro with many dates to choose from.
  • Works with any conventional fixed rate loan.
  • Buyers must contribute 1% of the purchase price or 2% of the mortgage amount, whichever is greater.

Other Assistance Programs include:

Rural Development

  • To utilize funds the property must be located in a Rural Development Eligible Area.  To check if a property is in the eligible area go to:  http://eligibility.sc.egov.usda.gov
  • No purchase price limit.
  • Household income limitations apply:  contact Loan Officer for details.
  • Homebuyer's training is not required for this program and you do not have to be a first time homebuyer.
  • Rural Housing does not require a down payment and not monthly mortgage insurance.
  • Rural Housing loans have competitive rates.
  • Borrower may qualify 1 year out of bankruptcy or foreclosure.

Many other assistance and grant programs are available across the state of Minnesota.  The information on this site provides a general overview of programs available in and around the Metro area.  All program criteria are subject to change without notice.  Bell Bank Mortgage is not responsible for program updates.  For further information on all programs, please contact the Loan Officer listed or call the program office directly.