Meet Curt

Although I have received recognition from various publications over the years, it is the satisfaction of my customers that drives me the most. Buying a home is a special time in a person's life, and I thoroughly enjoy helping to bring that goal to a successful conclusion!

I made a great decision in 1998 to begin working in the mortgage industry, and I don't think I've had a boring day since! My career with Bell Bank Mortgage began in 2010. Prior to joining Bell, I was a vice president with Guaranteed Rate, Inc., and before that I spent over 10 years with Norwest Mortgage/Wells Fargo Home Mortgage.

I can't say enough good things about Curt Smith and Bell Bank Mortgage. I quickly realized that processing a loan is not an easy task. Curt removed roadblocks, kept us informed and promptly replied to all of my questions – usually with a detailed explanation! His experience, knowledge and work ethic contributed to a successful close.
Aaron & Melissa Navratil

How I Work

I work hard to provide my customers with timely feedback on pre-approval requests. In fact, I often can issue a pre-approval letter in less than 30 minutes!

I work with customers from all over the states of Minnesota and Wisconsin, many of them referred to me by past clients or area realtors. Regardless of how they find me, I take pride in providing the highest level of service to everyone I have the opportunity to work with.

Super Mortgage Professionals 2014
Super Mortgage Professionals 2015
Super Mortgage Professionals 2016
super mortgage professional 2017
2018 super mortgage professional
SMP 2019

Expertise and Specialties

  • Purchases
  • Refinances
  • Vacation homes
  • Investment properties
  • FHA
  • Conventional
  • VA
  • USDA Rural Development
  • First-time homebuyer programs
  • Down payment assistance


MortgageMapp is an electronic business card that does more than share my contact information with you. It also gives you 24/7 access to various tools and calculators to help you research mortgage or refinance options. You can easily share this app with friends and family.

With access to multiple investors, we give clients the flexibility of highly competitive rates and a wide variety of loan programs. We have access to portfolio financing, which provides clients with more financing options.


  • Calculate Payments
  • Real time rate trends
  • Request a pre-approval
  • Share with family friends & clients

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More About Curt

When I'm not working with clients, I enjoy spending time with my 3 boys, who are active in plenty of sports and activities. Although I sometimes feel like a "shuttle service," I wouldn't trade it for the world!