Kara Kelsen

Is Kara licensed in Arizona?

Bell Bank's page for Kara lists Arizona. LenDb has not checked it with the state regulator yet, so verify at NMLS Consumer Access. LenDb has 32 other states on file for Kara.

Source: lender page↗ (opens in a new tab)

Does Kara do down payment assistance?

Kara's profile lists down payment assistance as a focus (from their lender profile page). It also lists FHA loan, real estate investor and USDA loan.

Source: lender page↗ (opens in a new tab)

What lender does Kara work for?

Bell Bank, company NMLS 419538, from the Peoria, AZ office, per the lender's own site (verified 2026-10-16).

Source: lender site↗ (opens in a new tab)

How much experience does Kara have?

Kara states 15 years of experience.

Source: the loan officer's own statement↗ (opens in a new tab)

Focus

• Focus: Down payment assistance(from their lender profile page)
• Focus: FHA loan(from their lender profile page)
• Focus: Real estate investor(from their lender profile page)
• Focus: USDA loan(from their lender profile page)
• Focus: VA loan(from their lender profile page)
• Focus: First-time buyer(from their lender profile page)

Where we saw these: bell.bank↗ (opens in a new tab)

Focus is the loan officer's own: their bio, title, a certification or their own specialty list on their lender page, or what they report. Programs their lender offers are listed separately and never count as their focus in search.

Alabama, Arkansas, Arizona, California, Colorado, Florida, Georgia, Iowa, Idaho, Illinois, Indiana, Kansas, Kentucky, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Mexico, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin, Wyoming

Lender-reported: AL, AR, AZ, CA, CO, FL, GA, IA, ID, IL, IN, KS, KY, MI, MN, MO, MS, MT, NC, ND, NE, NM, OK, OR, SC, SD, TN, TX, UT, VA, WA, WI, WY are listed on the lender page, not yet checked with the state regulator.

Likely federally registered: works at a bank. Federally registered MLOs aren't state-licensed; verify at NMLS (NMLS Consumer Access↗ (opens in a new tab)).

1. Bell Bank NMLS 419538

   Current · Peoria, AZ · seen on lender site 2026-10-16