Jeff Bell
President | Outdoor Enthusiast | Northwest Native
Highly regarded throughout his career for integrity and professionalism, Jeff has been named to the Top 1% of Mortgage Originators by both Mortgage Executive Magazine and Scotsman Guide for several years. Over a decade at Cobalt Mortgage, he became their top all-time producer with over $700 million in loans sourced and funded. His wide-reaching product experience spans Residential Real Estate Lending, Condominium Loans and Financing, New Construction, Refinancing, FHA and VA, and Jumbo Loans. He co-founded Upwell with Megan Bell, his business partner and wife.
425.891.2200 | WA – MLO 175417 | Montana – 175417 | FL – LO111272 | State License
30-Year Fixed
98.875
6.375
6.493
Lender Fees:
Discount Points:
0.805%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
99.5
6.500
6.567
Lender Fees:
Discount Points:
0.271%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
*Income restrictions apply
15-Year Fixed
98.875
5.750
5.977
Lender Fees:
Discount Points:
1.026%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
99.5
6.625
6.762
Lender Fees:
Discount Points:
0.434%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
*Income restrictions apply
30-Year FHA
98.875
5.750
6.625
Lender Fees:
Discount Points:
1.049%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
99.5
6.000
6.794
Lender Fees:
Discount Points:
0.206%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
30-Year VA
98.875
5.750
6.075
Lender Fees:
Discount Points:
0.913%
Admin Fee:
$0
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
99.5
6.375
6.629
Lender Fees:
Discount Points:
0.076%
Admin Fee:
$0
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
30-Year Jumbo
98.875
6.875
7.001
Lender Fees:
Discount Points:
1.007%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
99.5
7.125
7.193
Lender Fees:
Discount Points:
0.420%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
Rates as of:
6:59AM Pacific Time on December 6th, 2023
Calculate Your Mortgage Payments
See what your mortgage payment could be with today’s rates.
Disclosures and Assumptions
30-Year Fixed-Rate Mortgage:
98.875
The payment on a $647,000 30-year Fixed-Rate Loan at 6.375% and 75% loan-to-value (LTV) is $4,036 with 0.805 points due at closing. The Annual Percentage Rate (APR) is 6.493%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.
99.5
The payment on a $647,000 30-year Fixed-Rate Loan at 6.500% and 75% loan-to-value (LTV) is $4,089 with 0.271 points due at closing. The Annual Percentage Rate (APR) is 6.567%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.
15-Year Fixed-Rate Mortgage:
98.875
The payment on a $647,000 15-year Fixed-Rate Loan at 5.750% and 75% loan-to-value (LTV) is $5,373 with 1.026 points due at closing. The Annual Percentage Rate (APR) is 5.977%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.
99.5
The payment on a $647,000 15-year Fixed-Rate Loan at 6.625% and 75% loan-to-value (LTV) is $5,681 with 0.434 points due at closing. The Annual Percentage Rate (APR) is 6.762%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.
30-Year FHA Loan:
98.875
Rate is fixed. The payment on a $420,000, 30-year fixed rate loan at 5.750% and 96.3% loan-to-value (LTV) is $2,685 with 1.049 points due at closing. Payment includes a one time upfront mortgage insurance premium (MIP) at 1.75% of the base loan amount and a monthly MIP calculated at 0.85% of the base loan amount. For mortgages with a loan-to-value (LTV) ratio of less than or equal to 90%, the monthly MIP will be paid for the first 11 years of the mortgage term, or the end of the mortgage term, whichever comes first. Thereafter, the monthly loan payment will consist of equal monthly principal and interest payments only until the end of the loan. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. The Annual Percentage Rate (APR) is 6.625%.
99.5
Rate is fixed. The payment on a $420,000, 30-year fixed rate loan at 6.000% and 96.3% loan-to-value (LTV) is $2,754 with 0.206 points due at closing. Payment includes a one time upfront mortgage insurance premium (MIP) at 1.75% of the base loan amount and a monthly MIP calculated at 0.85% of the base loan amount. For mortgages with a loan-to-value (LTV) ratio of less than or equal to 90%, the monthly MIP will be paid for the first 11 years of the mortgage term, or the end of the mortgage term, whichever comes first. Thereafter, the monthly loan payment will consist of equal monthly principal and interest payments only until the end of the loan. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. The Annual Percentage Rate (APR) is 6.794%.
30-Year VA Fixed-Rate Mortgage:
98.875
Rate is fixed. The payment on a $625,000, 30-year fixed-rate loan at 5.750% and 100% loan-to-value (LTV) is $3,726 with 0.913 points due at closing. The Annual Percentage Rate (APR) is 6.075%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. VA loans do not require PMI. The VA loan is a benefit of military service and only offered to veterans, surviving spouses and active duty military.
99.5
Rate is fixed. The payment on a $625,000, 30-year fixed-rate loan at 6.375% and 100% loan-to-value (LTV) is $3,983 with 0.076 points due at closing. The Annual Percentage Rate (APR) is 6.629%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. VA loans do not require PMI. The VA loan is a benefit of military service and only offered to veterans, surviving spouses and active duty military.
30-Year Jumbo Fixed-Rate Mortgage:
98.875
The payment on a $1,200,000 30-year Fixed-Rate Loan at 6.875% and 75% loan-to-value (LTV) is $7,883 with 1.007 points due at closing. The Annual Percentage Rate (APR) is 7.001%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.
99.5
The payment on a $1,200,000 30-year Fixed-Rate Loan at 7.125% and 75% loan-to-value (LTV) is $8,085 with 0.42 points due at closing. The Annual Percentage Rate (APR) is 7.193%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply.