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Bringing You Home Since 2012

Meet Kala

Working in mortgage since 2012, I have found my passion in helping clients make smart financial decisions about homeownership and building a strong community around them for their children and future generations. Whether your long-term dreams include purchasing a cabin, dream home or investment property portfolio, I will put my experience to work helping you find the financing you need to make your dream a reality.

Since I grew up in Eagan, my Minnesota roots run deep – and my small-town North Dakota parents instilled in me the values of hard work and integrity that have made me who I am today. When I returned to the Twin Cities in 2016, my move ultimately lead me to Bell Bank Mortgage, where you can put my integrity and passion to work for you.

How I Work

When you work with me, I’ll treat you like I’d treat my own family – providing prompt responses, personalized service and creative solutions. As I was growing up in Eagan, Minn., my parents instilled in me the values of hard work and integrity, which guide my work philosophy today. I go above and beyond, providing thorough attention to detail to ensure your mortgage process is seamless and easy for everyone involved.

I like to get to know my clients on a personal level – you're a name, never a number! Confidentiality, professionalism and prompt responses are all hallmarks of the work I do.

As a first time homebuyer, I had no idea what I was doing. The classic phrase, "you don't know what you don't know" really proved to be true in this instance. Luckily, I had Kala Nelson to help guide me through every step of the way. No matter how simple or complex the question, it did not matter. Kala was there to ensure that I felt comfortable and that each of my questions were answered. Even after two months of homeownership, I feel confident in know that I could still contact Kala and Bell Bank if I ever needed. Thank you so much for making this experience an incredible one!
Taylor K.

Build Your Own Masterpiece

If your dream home doesn’t exist … why not build it? Whether you’re considering a standard blueprint or custom build, Bell’s borrower-financed construction lending program is designed to provide you flexibility and control when building your new home. If you’re interested in learning more about the new construction loan process, your loan options (including our exclusive one-time close program) and how Bell and I can help you finance your picture-perfect home, I’d love to help.

Say Yes to Your First Home

If you’re a first-time homebuyer, the process may seem both exciting and overwhelming. I’m here to keep it simple, educate you every step of the way and show you options for getting into a home with a low down payment, competitive interest rates and low loan fees.

When you’re ready to take the next step, I can help with:

  • Easy, free pre-approval so you know what you can afford
  • No origination fee, which means less money out of pocket at closing*
  • Down payment assistance options for qualifying first-time homebuyers**

*For most loan programs. Some exclusions apply. Contact me for details. **Based on market availability.

Homebot is a monthly report that offers home finance insights to monitor your estimated home value, estimated equity, loans and market trends to help you know when to buy, sell, rent or remodel to maximize your investment. Click this link to sign up to receive monthly reports or if you already signed up, to sign in and access your Homebot report.

Flexible Home Financing for MDs and Residents

Because doctors’ finances can be complex, we’ve made home financing simple. Bell has mortgage options tailored specifically to doctors’ unique finances. MDs and residents can find low down payment options, no private mortgage insurance and loans up to $1.5 million with Bell Bank Mortgage’s Doctor Loan Program.

Expertise and Specialties

  • Conforming conventional 
  • One-time close new construction
  • First-time homebuyers
  • Minnesota Housing Down Payment Assistance programs
  • Bell Moving Forward
  • Freddie Mac Home Possible® Mortgage
  • Freddie Mac BorrowSmart℠ Program
  • Federal Housing Administration (FHA)
  • USDA Rural Development
  • Veterans Affairs (VA)
  • Jumbo
  • Second home financing
  • Specialized doctor and dentists loans
  • Rehab
  • Refinance

Community Involvement

Some of the non-profit organizations I have volunteered for include:

  • Lutheran Social Service of Minnesota Crisis Nursery
  • Simpson Housing Services
  • Feed My Starving Children
  • Matthew Heisler Memorial Golf Classic

More About Me

Originally from Eagan, Minn., I earned a degree in business marketing from the University of North Dakota in Grand Forks. I now live in Woodbury, Minn., and outside of work my favorite pastimes include spending time with family and friends, watching Minnesota sports, running, hiking, biking, going to the cabin and enjoying the outdoors in any way possible.

Let Me Show You What’s Possible

When you work with me and Bell, you will always be a person – not a number. I consider each opportunity unique, and I look forward to helping you find the best home loan for your situation! Call or email me to answer your questions – or schedule a time to meet. I’d love to connect and share my knowledge with you!


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