Sharon's Lending Officer Site
Sharon Gatto

Your loan officer for life.

Sharon Gatto

Senior Mortgage Loan Officer
NMLS #326238

Meet Sharon Gatto

Sharon's 33 years of experience in the mortgage industry and the past 27 years with Bell Bank Mortgage make her one of the Twin Cities' leading loan officers. Her integrity drives her to give outstanding service while being sensitive to her clients' needs and wishes.

Sharon is an industry leader for her follow-through and responsiveness during the loan process. Her attention to detail and caring attitude have gained her a solid reputation as a leading mortgage loan officer in the Twin Cities area. With her longevity with Bell Bank Mortgage, Sharon routinely has past satisfied clients returning to her for their next purchase or refinance. Sharon received the "Super Mortgage Professional" certificate for exceptional customer service in 2010, 2011, 2013 and 2014 from Minneapolis St. Paul magazine.

As Sharon says, "The mortgage loan process can be detailed and paper oriented. Let me help make the process understandable and easy for you. Let my experience work for you! Please call me to discuss your financial situation."

SMP-2010 Logo.Web sized.Small SMP-2011-Logo.Web-sized.Small SMP 2013 Logo.Web sized.small SMP 2014 SMP_15_logo_new2

Our process is smooth and simple from start to finish:

  1. Talk with me. I will work with you to help you determine your financing options and answer all your questions.
  2. Apply Online. Complete your mortgage application at your convenience through our online application.
  3. Work together through final approval. From the time your application is received, I work with you to ensure you move through the process checkpoints to final approval.
  4. Closing on your loan. Prior to loan closing, I will review the Closing Disclosure, funds needed and documentation to bring to close with you. On closing day the final documents are signed at the title company and you receive the keys to your new home!
  • Thank you for all your help throughout my home purchase process. You have been so knowledgeable, kind, and gracious while fielding my questions. I was a bit nervous jumping into this whole process, but your calm and professionalism have left me assured. Thank you for helping to make my dream come true!

    Julie

  • I have worked with Sharon when buying 3 properties and each time she was incredibly patient, helpful and responsive. Sharon's communication is one of her many, many strong points. While I wouldn't look forward to selling or buying again in the future, I would look forward to working with Sharon again!

    Dan

  • I worked with Sharon Gatto for the first time in August of 2013. She was highly recommended to me by my realtor to be my Loan Officer and she exceeded my expectations! Sharon knew this was the first time I purchased a home on my own and she helped me through every step. I have closed on other homes, but this closing was by far the best. No unexpected surprises and she was there until the last paper was signed. Very professional and just a dream to work with. I would recommend working with Sharon to all my friends and family.

    Karen A.

  • Sharon Gatto was highly recommended by our Realtor. As second time home buyers, my wife and I had many detailed questions about the home buying process and how it related to the selling of our existing home. We worked with Sharon from December 2012 (to give us an idea of what we can afford) through September 2013 (the closing on our new construction). Sharon has the heart of a teacher and was patient with us as we better understood the market, loan types and timing of interest rates. Even with last minute closing modifications on our new construction she put in extra hours to help us close the deal on time (I'm not sure I'd get this treatment from other lenders). Sharon is very knowledgeable, personable and helpful loan officer. We are very satisfied customers enjoying our beautiful new home. Thanks Sharon!

    Ben

  • Sharon was very attentive to our needs and always made sure we explored all of our options. We are repeat customers and wouldn't hesitate to use her again!

    Brian

About Super Mortgage Professionals

Sharon Gatto was named to the 2015 list of Super Mortgage Professionals, independently chosen by the homeowners they serve and approved by industry leaders. This list is compiled by Twin Cities Business, Minneapolis-St. Paul magazine and Crescendo Business Services, an Eagan-based market research company. It includes only about 130 mortgage professionals who successfully navigate mortgages.

Mortgage professionals named to the list were graded on customer service, integrity, market knowledge, communication, closing preparation, finding the best rates and overall satisfaction. Each professional went through a rigorous screening process, then was reviewed by a panel of mortgage and real estate industry experts selected to participate in the process based on their experience and knowledge of the industry.

SMP-2010 Logo.Web sized.Small SMP-2011-Logo.Web-sized.Small SMP 2013 Logo.Web sized.small SMP 2014 SMP_15_logo_new2


About Bell Bank Mortgage

Helping our customers find the smart way home for more than 130 years, Bell Bank Mortgage has a reputation for exceptional service and high integrity standards. Our culture centers on customer care and transparency from first contact. We help simplify what is often a very complex system. Applying for a loan is made easy, as our loan officers walk you through the process and the documents needed to support your loan request. Plus, our state-of-the-art technology helps make the mortgage process as stress-free as possible.

We believe that relationships are the key to our continued success and are dedicated to creating the simplest, fastest, efficient and most satisfying experience for our borrowers. You’ll see the Bell Bank Mortgage difference as soon as you meet with one of our loan officers. We take the time to truly get to know you and your financial situation.

The History of Bell Bank Mortgage

In 2011, Minneapolis-based Bell Mortgage became a part of what was then State Bank & Trust, in a history-making venture for both companies. Bell has literally been a part of Minnesota since the state’s infancy. The oldest and largest independent mortgage banking company in Minnesota, it was founded in 1880 by early Minneapolis leader David C. Bell. Since then, Bell Bank Mortgage has added locations throughout the Twin Cities and in Phoenix, developed its own proprietary technology for processing and underwriting, and has thousands of family mortgages to its name.

In 2012, State Bank & Trust rebranded as Bell State Bank & Trust, taking on the Bell name to give a more unique identity to a known and respected regional brand. Bell State Bank & Trust shortened its name to Bell Bank in August of 2016, with the mortgage division becoming Bell Bank Mortgage to simplify the brand while retaining the familiar “trees” logo.

Our Commitment to You

Over the years, we have worked with thousands of individuals and families, making home ownership a reality for them. We would love the opportunity to work with you. At Bell Bank Mortgage, we process, underwrite and close your loan within the walls of our office. In-house administration of your loan means we can ensure a quick, accurate and smooth process all the way to closing day.

Meet Sharon Gatto

Sharon's 33 years of experience in the mortgage industry and the past 27 years with Bell Bank Mortgage make her one of the Twin Cities' leading loan officers. Her integrity drives her to give outstanding service while being sensitive to her clients' needs and wishes.

Sharon is an industry leader for her follow-through and responsiveness during the loan process. Her attention to detail and caring attitude have gained her a solid reputation as a leading mortgage loan officer in the Twin Cities area. With her longevity with Bell Bank Mortgage, Sharon routinely has past satisfied clients returning to her for their next purchase or refinance. Sharon received the "Super Mortgage Professional" certificate for exceptional customer service in 2010, 2011, 2013 and 2014 from Minneapolis St. Paul magazine.

As Sharon says, "The mortgage loan process can be detailed and paper oriented. Let me help make the process understandable and easy for you. Let my experience work for you! Please call me to discuss your financial situation."

SMP-2010 Logo.Web sized.Small SMP-2011-Logo.Web-sized.Small SMP 2013 Logo.Web sized.small SMP 2014 SMP_15_logo_new2

Our process is smooth and simple from start to finish:

  1. Talk with me. I will work with you to help you determine your financing options and answer all your questions.
  2. Apply Online. Complete your mortgage application at your convenience through our online application.
  3. Work together through final approval. From the time your application is received, I work with you to ensure you move through the process checkpoints to final approval.
  4. Closing on your loan. Prior to loan closing, I will review the Closing Disclosure, funds needed and documentation to bring to close with you. On closing day the final documents are signed at the title company and you receive the keys to your new home!
  • Thank you for all your help throughout my home purchase process. You have been so knowledgeable, kind, and gracious while fielding my questions. I was a bit nervous jumping into this whole process, but your calm and professionalism have left me assured. Thank you for helping to make my dream come true!

    Julie

  • I have worked with Sharon when buying 3 properties and each time she was incredibly patient, helpful and responsive. Sharon's communication is one of her many, many strong points. While I wouldn't look forward to selling or buying again in the future, I would look forward to working with Sharon again!

    Dan

  • I worked with Sharon Gatto for the first time in August of 2013. She was highly recommended to me by my realtor to be my Loan Officer and she exceeded my expectations! Sharon knew this was the first time I purchased a home on my own and she helped me through every step. I have closed on other homes, but this closing was by far the best. No unexpected surprises and she was there until the last paper was signed. Very professional and just a dream to work with. I would recommend working with Sharon to all my friends and family.

    Karen A.

  • Sharon Gatto was highly recommended by our Realtor. As second time home buyers, my wife and I had many detailed questions about the home buying process and how it related to the selling of our existing home. We worked with Sharon from December 2012 (to give us an idea of what we can afford) through September 2013 (the closing on our new construction). Sharon has the heart of a teacher and was patient with us as we better understood the market, loan types and timing of interest rates. Even with last minute closing modifications on our new construction she put in extra hours to help us close the deal on time (I'm not sure I'd get this treatment from other lenders). Sharon is very knowledgeable, personable and helpful loan officer. We are very satisfied customers enjoying our beautiful new home. Thanks Sharon!

    Ben

  • Sharon was very attentive to our needs and always made sure we explored all of our options. We are repeat customers and wouldn't hesitate to use her again!

    Brian

About Super Mortgage Professionals

Sharon Gatto was named to the 2015 list of Super Mortgage Professionals, independently chosen by the homeowners they serve and approved by industry leaders. This list is compiled by Twin Cities Business, Minneapolis-St. Paul magazine and Crescendo Business Services, an Eagan-based market research company. It includes only about 130 mortgage professionals who successfully navigate mortgages.

Mortgage professionals named to the list were graded on customer service, integrity, market knowledge, communication, closing preparation, finding the best rates and overall satisfaction. Each professional went through a rigorous screening process, then was reviewed by a panel of mortgage and real estate industry experts selected to participate in the process based on their experience and knowledge of the industry.

SMP-2010 Logo.Web sized.Small SMP-2011-Logo.Web-sized.Small SMP 2013 Logo.Web sized.small SMP 2014 SMP_15_logo_new2


About Bell Bank Mortgage

Helping our customers find the smart way home for more than 130 years, Bell Bank Mortgage has a reputation for exceptional service and high integrity standards. Our culture centers on customer care and transparency from first contact. We help simplify what is often a very complex system. Applying for a loan is made easy, as our loan officers walk you through the process and the documents needed to support your loan request. Plus, our state-of-the-art technology helps make the mortgage process as stress-free as possible.

We believe that relationships are the key to our continued success and are dedicated to creating the simplest, fastest, efficient and most satisfying experience for our borrowers. You’ll see the Bell Bank Mortgage difference as soon as you meet with one of our loan officers. We take the time to truly get to know you and your financial situation.

The History of Bell Bank Mortgage

In 2011, Minneapolis-based Bell Mortgage became a part of what was then State Bank & Trust, in a history-making venture for both companies. Bell has literally been a part of Minnesota since the state’s infancy. The oldest and largest independent mortgage banking company in Minnesota, it was founded in 1880 by early Minneapolis leader David C. Bell. Since then, Bell Bank Mortgage has added locations throughout the Twin Cities and in Phoenix, developed its own proprietary technology for processing and underwriting, and has thousands of family mortgages to its name.

In 2012, State Bank & Trust rebranded as Bell State Bank & Trust, taking on the Bell name to give a more unique identity to a known and respected regional brand. Bell State Bank & Trust shortened its name to Bell Bank in August of 2016, with the mortgage division becoming Bell Bank Mortgage to simplify the brand while retaining the familiar “trees” logo.

Our Commitment to You

Over the years, we have worked with thousands of individuals and families, making home ownership a reality for them. We would love the opportunity to work with you. At Bell Bank Mortgage, we process, underwrite and close your loan within the walls of our office. In-house administration of your loan means we can ensure a quick, accurate and smooth process all the way to closing day.