Meet Andy Miller

My intricate working knowledge of the various loan options ensures that your decision to choose me and Bell Bank Mortgage will make your entire financing experience easy, stress free and enjoyable. I strive to make the entire process less complicated and as worry-free as possible, and many of my past clients have enjoyed working with me on both a professional and personal level.

When you entrust your mortgage financing needs to me, you'll put my many years of experience to work for you. Since 1987, I've built a reputation for my knowledge base and my drive, desire and ability to get even the toughest loans approved. That's why I consistently receive referrals from past clients, real estate agents and other professionals.  

My understanding of the various loan programs and guidelines is unmatched by less experienced mortgage lenders. Real estate pros know they can count on me to ensure home purchases go smoothly.

With thousands of closed loans and satisfied home buyers over 3 decades of service, I'll be the lender you can always trust to have your best interests in mind.

I've worked with Andy on my own mortgage financing and recommend him to family and friends.
Steve Kascht
analyst, MGIC

How I Work

My philosophy in the mortgage business has always been the same: treat every borrower and referral as though they are family. My objective is to first educate myself about what you need, then provide the tools necessary to help you make the correct decision about financing your home purchase or refinancing your current mortgage.  

Our mortgage process starts with our secure online loan application or a simple conversation.  My hands-on approach to every loan means I will be there from origination to closing. I'll answer all your questions and make the process as simple as possible. Our team works together on the details of your mortgage, creating a reliable and timely process that meets your contingency and timeframe deadlines.  

I'm always available to answer your questions after hours or on the weekends as needed. You can count on me to give you honest and accurate answers, so you can efficiently close your loan.

Expertise and Specialties

  • Conventional loans
  • VA loans
  • FHA loans
  • Jumbo loans
  • USDA Rural Development loans
  • WHEDA loans
  • New construction
  • Rehab loans
  • Home equity lines of credit (HELOC)
  • Second home loans for vacation and lake homes
  • Investment property loans (1 to 4 units)
  • Lot and vacant land loans
  • Purchase money or refinance loans
  • Adjustable rate mortgages (ARMs)


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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Community Involvement

  • Youth sports soccer coach, recreational and select levels
  • Youth sports basketball coach
  • Daniel Boone Conservation League – member since 1974
  • Veterans Recognition Classic Event – veteran's fundraising volunteer

Honors and Awards

  • Five Star Mortgage Professional recipient