Kosmecki Team

BMO Harris Bank provides a broad range of personal banking products and solutions. Come to us for everyday banking, financing, investing, as well as a full suite of integrated commercial and financial advisory services.

I bring 16+ years of experience in mortgage lending to the closing table, and believe I have earned my reputation of personalized service, integrity, and keeping your best interest in mind. I will do my best to keep things simple and provide explanations you can understand. My goal is to turn you into an educated, satisfied customer with no surprises at closing.I am committed to building long lasting relationships. I know that you don?t buy or re-finance your property very often. You can expect an open discussion about the goals you wish to achieve and become educated on what to expect in the process, industry terminology, and available options that may make sense for you.I enjoy spending my spare time with my wife and three children. My strong sense of commitment carries over to my faith, family, and community, where I am involved in teaching, coaching, volunteering at local food shelves, Habitat for Humanity, and, most recently, participated in an Extreme Makeover Home Edition project in the Twin Cities. I also enjoy hunting, fishing, golfing, boating, and watching my kids participate in sports. I was named a Mpls/StPaul Magazine Super Mortgage Professional the last three years - 2014, 2015 and 2016.Please give me a call and partner with someone who will walk alongside you the entire way.

At Bell Bank Mortgage, located in Elk River, MN, we have a simple philosophy – we treat our customers how we would like to be treated. Your loan is not just another deal to us. It’s a dream of homeownership or the realization of a refinance. When you work with us, you’ll benefit from our highly competitive rates, wide variety of loan programs and reputation for exceptional service, integrity and on-time closings. Every step of your financing is handled in house, which means faster answers, fewer headaches and peace of mind. Built on a solid foundation of doing the right thing means we put our clients’ best interests first, always. Bell Bank Mortgage, equal housing lender.