Ben Bell, Mortgage Broker, NMLS #1450064 - Ben Bell, Mortgage Broker, NMLS #1450064

At Ben Bell, Mortgage Broker, NMLS #1450064, in Atlanta, Georgia, we guide buyers and homeowners through mortgage options and handle the steps needed to secure financing. As a mortgage broker we evaluate conventional loans, FHA loans, VA home loans, USDA loans, investment property loans and home equity loans to identify which product aligns with a borrower’s credit profile and timeline. We explain how down payment, loan term and monthly payment differ between options, and we present the trade offs in plain language so clients can compare choices. We partner with UMortgage, NMLS 1457759, and operate as an Equal Housing Opportunity Lender while helping clients move toward a clear financing decision.

We start with a conversation to learn priorities, timeline and documentation status, then map available options such as purchase loans, refinance or cash out through home equity. We prioritize clear, timely communication and explain loan options and next steps in plain language so clients feel confident throughout the process. When a client selects a loan path we assemble the application package, collect verification items and coordinate submission with lender partners. We keep clients updated on outstanding items and respond to questions, and we use lender relationships and attention to detail to streamline each transaction from application to loan completion.

Partnered with UMortgage for lender access
Handles VA home loan applications
Guidance on FHA and USDA options
Works with self employed borrowers
Investment property loan experience
Offers home equity and refinance options

We work with first time buyers, repeat buyers, refinancing homeowners, real estate agents, real estate investors, self employed borrowers, veteran borrowers, empty nesters, young professionals and condo buyers. Whether a client needs a conventional purchase loan, a VA home loan, FHA financing, a USDA option, or investment property financing, we tailor solutions to match financial goals and closing timelines. We serve the Atlanta metro region and surrounding communities and focus on keeping the mortgage portion of a transaction predictable. Get in touch.

GOOGLE REVIEWS

What Customers Say About Ben Bell, Mortgage Broker, NMLS #1450064

Real reviews from our Google Business Profile.

“Ben and his team are top notch! They are there for you every step of the way and go through any questions you have on the process. Highly Recommend!!! 20/10”
Callie Weaks
2 weeks ago
“We closed in seven days, and I have no complaints. It was our first time buying a home, and we’re really excited. We’d been looking for about three weeks when we found two houses we liked and made offers on both. One seller wouldn’t negotiate, but the other would. Happy wife, happy life, so we went with that one! When it came to the loan, Ben’s office was easy to reach and answered all our questions. A lot of the paperwork went through our realtor, who gave us the forms to read and sign. Everything went well, and I had no issues. If interest rates come down, I’ll refinance with Ben. He’s the mortgage broker I’d recommend to other first-time homebuyers in Georgia.”
Sharnette English
3 weeks ago
“Our realtor referred us to Ben, and the first conversation went so well that we felt confident doing everything with him and his team. We were buying our house in Dallas, GA, and from the beginning everything was very clear. He explained how the process worked and how everything was being handled. It happened really quick and easy, with no hiccups at all. Ben helped us secure a conventional home loan, which was our first mortgage here in Georgia. His entire team was great to work with, and I honestly can’t say anything negative about any of them. We felt informed throughout our home purchase, and Ben made a great first impression as our mortgage broker. I’d gladly recommend him and his team to anyone buying a home anywhere in Northeast Georgia.”
Ramonita Aponte
4 weeks ago
“My realtor highly recommended Ben and his team. They are all extremely helpful, supportive, and they walked me through the entire process. Flo told me to call or text her anytime and she would answer me asap. Andy kept me in the loop and was patient with me uploading documents. Anytime I asked Ben something he got back to me directly. These guys are a great team and helped me out tremendously. I would strongly recommend them and I will definitely use them again if I buy another home. You couldn't ask for better people. ***Updated*** We bought our first home in Tennessee through Ben, a mortgage broker my realtor recommended, and did a USDA Rural loan that covered our closing costs. His team was so helpful and understanding that when our mortgage was sold to Cross Country Mortgage a year later and trying to refinance with them turned into a hassle, I called Ben instead. He already had our information, so all I had to do was upload updated pay stubs and W-2s, and we closed a week ahead of the projected date. It doesn't matter what time you call, text, or email, someone is always there. Even after closing, they're still looking out for me. The company that held my previous loan is now saying we owe them a shortage, and a couple of people on Ben's team, who I don't think are obligated to do any of this, have jumped on conference calls with that company and walked me through how to handle it. I trust Ben, Andy, and Flo. They're good people. And back when we first closed, Ben even sent us a cutting board as a gift, a thoughtful touch that told me we were more than just a file to him.”
Brian Wilder
Edited a month ago
“Ben helped us with our original loan when we bought our house in October 2023, and his wife happened to be our real estate agent, too, so we got to know him from both sides of the transaction. As rates started coming down, I stayed in touch with him to gauge the right time to refinance. When I ran into some escrow issues, he helped me work through those, too, which played a part in our decision to refinance when we did. What really stands out is that Ben makes you feel like you're working with your neighborhood mortgage broker, even though the company behind him is a national one. He's straightforward and honest about what to expect. He even helped me work through some questions during this past tax season about how it would affect qualifying for the refinance in the future. His whole team stayed responsive throughout, answering questions by phone or email. The closing attorneys, Campbell & Brannon, they connected us with were also great and made the signing process about as painless as it could be. We've now used Ben twice, and both experiences have shown me how much I appreciate having someone I can stay in touch with and trust to give me honest guidance. I would highly recommend Ben and his team!”
Rette Rankin
a month ago
“Ben and his team were nothing but professional and eager to help the whole way through! 100% recommend i will be using them in the future!”
Camden Cook
a month ago
“Efficient, Personable and very helpful! We had a very good experience with Ben and his entire team, getting our loan closed well ahead of schedule. And at a great rate!”
Jim Bly
2 months ago
“Ben and the team were incredibly helpful and informative. The process as a whole went off without a hitch, which was great for us as first time home buyers.”
Jared Rosenberg
2 months ago
“I've used Ben as my mortgage broker probably three or four times now, and honestly, he's one of those people I go straight to, no questions asked. He's become a trusted advisor at this point. I let him tell me whether it's worth doing a refi, whether I should wait, or when it's time to act. That kind of guidance is hard to find. Most recently, he handled a VA rate reduction for me, and as always, he made it completely simple. There's not much I have to do on my end other than review and sign. He has the systems in place, he's clearly done this a long time, and everything gets processed smoothly. What really sets Ben and his team apart is that personal touch that's kind of lacking in the world these days. They follow up, they're transparent about steps and timelines, and you always know exactly where things stand. He's the only mortgage guy I would call, and I've already recommended him multiple times. That won't be stopping anytime soon.”
Aaron Roob
3 months ago
“From start to finish Ben and his team were fantastic. Always available and answered any questions we had. Communication was top notch and went above and beyond for my family!”
alunsford07
3 months ago
“Working with Ben Bell and his team was truly one of the best decisions I made during my home-buying journey. As a first-time homebuyer, there were so many moving pieces, questions, and moments that felt overwhelming, but Ben made the entire process feel manageable from start to finish. Ben is incredibly knowledgeable, responsive, and patient. No matter how many questions I had (and I had a lot!), he always took the time to explain everything in a way that made sense. I never once felt like I was just another client, he genuinely cared about helping me make the best decisions and ensuring I felt confident every step of the way. I also have to give a huge thank you to Flo and Andy. They were both incredibly kind, responsive, and helpful throughout the entire process. Their communication was outstanding, they stayed on top of every detail, and they always made me feel supported. It was clear that the entire team worked together seamlessly, and that made what could have been a stressful experience feel so much easier. Thanks to Ben, Flo, and Andy, I am officially a homeowner! I couldn't have asked for a better team to guide me through such an important milestone. If you're looking for someone who is honest, knowledgeable, communicates exceptionally well, and has an incredible team behind him, I cannot recommend Ben Bell highly enough. Thank you all for making my dream of homeownership a reality!”
Jill Turner
3 months ago
“We had an amazing experience working with Ben! He truly went above and beyond to meet my family's needs throughout the entire home-buying process. He was always available to answer our many questions, kept us informed every step of the way, and worked incredibly hard to make everything happen in a timely manner. We felt supported from start to finish and couldn't be more grateful for his dedication.”
Alyssa Riggs
3 months ago