Your dreams. My commitment to service and smart lending.
- jhercules@bell.bank
- 952-905-5813
- Call 952-368-9201
- Fax 855-858-4942
- 413 Chestnut St N Chaska, MN 55318
Meet Joyce
I take pride in helping homeowners purchase or refinance homes, investment properties or vacation homes. When you work with me, you'll find professional, competitive financing – all with great service to you, the buyer.
One hundred percent of my business is by referral. This is due in part to the strong relationships I've developed and maintained with some of the top real estate agents in Minnesota. It is also due to repeat and referral business from satisfied past customers!
How I Work
I'll be proactive in my approach your mortgage opportunities and respond as quickly as possible.
Expertise and Specialties
- USDA Rural Development
- FHA
- VA
- Conventional
MortgageMapp
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.
Benefits:
- Calculate Payments
- Real time rate trends
- Request a pre-approval
- Share with family friends & clients
Community Involvement
- Chaska Rotary –Service Above Self
- Independent School District 112 – You Make a Difference
More About Me
I love the outdoors including boating, swimming, gardening, biking, walking and hiking. Our grandchildren keep us busy with 3 seasons of sports, dance and other activities. Besides each other, our children and grandchildren, our greatest joy is our faith journey.

