David Windschitl
David Windschitl

Trust my experience for the most important purchase of your life.

David Windschitl

Senior Mortgage Banker
NMLS #452497

Meet David Windschitl

David has been in the financial services field since 1996. David and his wife Melissa are the proud parents of their 3 children, Mason, Brayden and McKenzie.

Since David is an sports enthusiast, you can bet that he is currently actively participating in a sport or attending a sporting event. David played both football and baseball in college at Gustavus. David and his family also enjoy traveling.

SMP 2014 SMP_15_logo_new2

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!
  • David is knowledgeable and trustworthy. He makes the mortgage process fun and puts his clients at ease.

    Tom
    Realtor

  • David takes pride in providing advice to his clients that can be called "Comprehensive Debt Management." He actively develops strategies that benefit his clients in the form of competitve interest rates, lower monthly payments, maximization of tax benefits and advice on when to restructure mortgages and other debt. His approach is much more detailed than that of a typical mortgage professional. I have used his services for my own benefit, and I have sent other people to him. I have complete confidence in his full range of services.

    Kyle
    Financial Consultant

  • David and his team do a great job from start to finish. He keeps you informed every step of the process and is always available to answer any questions you may have. David is very knowledgeable and has a wonderful way of making you and your family comfortable about the decisions you have made. David is a great resource I use often and will always recommend.

    Jeffrey
    Homeowner

About Super Mortgage Professionals

David Windschitl was named to the 2014 and 2015 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.

SMP 2014 SMP_15_logo_new2

Choosing a Mortgage Professional

1. How many years experience do they have in the mortgage industry?
Our team has approximately 50 years of combined experience in mortgage financing. In an industry with few seasoned professionals, we feel our experience is a huge value to our clients and business partners.

2. Who is Bell Bank Mortgage?
You can read about Bell Bank Mortgage and the company's history on our About Bell Bank Mortgage page.

3. How do we get our business?
We get our business from our business partners. We work with some of the most respected professionals in the area. These professionals range from respected Real Estate Agents, builders, Financial Planners, CPAs and Attorneys.

4. Where do closing documents come from?
Your closing is in good hands as our closing packages come from our corporate office. We control the closing documents, which means fewer issues at close.

5. How are the files underwritten?
The majority of our files are underwritten on site by our in-house underwriters including our DE Underwriter for FHA and VA loans.

6. Who controls the funding of the loan?
Bell controls the funding of the loans which means you will not be waiting at the closing table for the lender's funds.

7. What kind of service can you expect?
It is our goal to exceed your expectations, this is done by paying attention to the details and keeping you informed every step of the way.


Organizing Your Documents

If you are buying or refinancing a home:

  1. If you are: Salaried: provide two years W-2 and one month of pay stubs. Self-employed: provide two years tax returns.
  2. If you own rental property, provide rental agreements if we are using the income to qualify.
  3. Provide two months bank statements for each bank, stock and mutual fund that we list on your application.
  4. Provide your most recent statement for any IRA or 401K account that we list on your application.
  5. If you are: NOT a U.S. citizen: provide a copy of your green card (front and back) NOT a permanent resident: provide your H-1 or L-1 visa.

If you are applying for a home equity loan:

  1. Provide a copy of the note on your first mortgage. This will normally be found in your closing loan documents from the title company that closed the loan.
  2. If you are: Salaried: provide two years W-2’s and one month of pay stubs. Self-employed: provide two years tax returns.
  3. If you own rental property, provide rental agreements if we are using the income to qualify
  4. If you are: NOT a U.S. citizen: provide a copy of your green card (front and back) NOT a permanent resident: provide your H-1 or L-1 visa.

Meet David Windschitl

David has been in the financial services field since 1996. David and his wife Melissa are the proud parents of their 3 children, Mason, Brayden and McKenzie.

Since David is an sports enthusiast, you can bet that he is currently actively participating in a sport or attending a sporting event. David played both football and baseball in college at Gustavus. David and his family also enjoy traveling.

SMP 2014 SMP_15_logo_new2

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!
  • David is knowledgeable and trustworthy. He makes the mortgage process fun and puts his clients at ease.

    Tom
    Realtor

  • David takes pride in providing advice to his clients that can be called "Comprehensive Debt Management." He actively develops strategies that benefit his clients in the form of competitve interest rates, lower monthly payments, maximization of tax benefits and advice on when to restructure mortgages and other debt. His approach is much more detailed than that of a typical mortgage professional. I have used his services for my own benefit, and I have sent other people to him. I have complete confidence in his full range of services.

    Kyle
    Financial Consultant

  • David and his team do a great job from start to finish. He keeps you informed every step of the process and is always available to answer any questions you may have. David is very knowledgeable and has a wonderful way of making you and your family comfortable about the decisions you have made. David is a great resource I use often and will always recommend.

    Jeffrey
    Homeowner

About Super Mortgage Professionals

David Windschitl was named to the 2014 and 2015 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.

SMP 2014 SMP_15_logo_new2

Choosing a Mortgage Professional

1. How many years experience do they have in the mortgage industry?
Our team has approximately 50 years of combined experience in mortgage financing. In an industry with few seasoned professionals, we feel our experience is a huge value to our clients and business partners.

2. Who is Bell Bank Mortgage?
You can read about Bell Bank Mortgage and the company's history on our About Bell Bank Mortgage page.

3. How do we get our business?
We get our business from our business partners. We work with some of the most respected professionals in the area. These professionals range from respected Real Estate Agents, builders, Financial Planners, CPAs and Attorneys.

4. Where do closing documents come from?
Your closing is in good hands as our closing packages come from our corporate office. We control the closing documents, which means fewer issues at close.

5. How are the files underwritten?
The majority of our files are underwritten on site by our in-house underwriters including our DE Underwriter for FHA and VA loans.

6. Who controls the funding of the loan?
Bell controls the funding of the loans which means you will not be waiting at the closing table for the lender's funds.

7. What kind of service can you expect?
It is our goal to exceed your expectations, this is done by paying attention to the details and keeping you informed every step of the way.


Organizing Your Documents

If you are buying or refinancing a home:

  1. If you are: Salaried: provide two years W-2 and one month of pay stubs. Self-employed: provide two years tax returns.
  2. If you own rental property, provide rental agreements if we are using the income to qualify.
  3. Provide two months bank statements for each bank, stock and mutual fund that we list on your application.
  4. Provide your most recent statement for any IRA or 401K account that we list on your application.
  5. If you are: NOT a U.S. citizen: provide a copy of your green card (front and back) NOT a permanent resident: provide your H-1 or L-1 visa.

If you are applying for a home equity loan:

  1. Provide a copy of the note on your first mortgage. This will normally be found in your closing loan documents from the title company that closed the loan.
  2. If you are: Salaried: provide two years W-2’s and one month of pay stubs. Self-employed: provide two years tax returns.
  3. If you own rental property, provide rental agreements if we are using the income to qualify
  4. If you are: NOT a U.S. citizen: provide a copy of your green card (front and back) NOT a permanent resident: provide your H-1 or L-1 visa.