Jeff Bell

President  |  Outdoor Enthusiast  |  Northwest Native
Jeff Bell picture in blue

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.

Email Me
Email Me
See Rates
See Rates
Get Started
Get Started
425.891.2200  |  WA – MLO 175417 | Montana – 175417 | FL – LO111272 |  State License
blue 5 star rating depicting customer reviews for mortgage loans
Lower Rates
Lower Fees

30-Year Fixed

98.875
5.750
5.880
Lender Fees:
Discount Points:
1.000%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
99.5
5.875
5.959
Lender Fees:
Discount Points:
0.500%
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
4.875
5.089
Lender Fees:
Discount Points:
1.000%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
99.5
5.250
5.369
Lender Fees:
Discount Points:
0.375%
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
5.250
6.422
Lender Fees:
Discount Points:
1.125%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
99.5
5.625
6.740
Lender Fees:
Discount Points:
0.500%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0

30-Year VA

98.875
5.250
5.561
Lender Fees:
Discount Points:
0.750%
Admin Fee:
$0
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
99.5
5.875
6.174
Lender Fees:
Discount Points:
0.500%
Admin Fee:
$0
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0

30-Year Jumbo

98.875
6.250
6.381
Lender Fees:
Discount Points:
1.125%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
99.5
6.500
6.548
Lender Fees:
Discount Points:
0.250%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
Rates as of:
6:46AM Pacific Time on February 3rd, 2023

Calculate Your Mortgage Payments

See what your mortgage payment could be with today’s rates.

Select Loan Purpose

This is step 1:

First time home buyer?

This is step 1:

Do you plan to take cash out?

This is step 1:

Enter Loan Details

This is step 1:

How is your Credit?

This is step 2:

What is the property use?

This is step 3:

What type of home?

This is step 3:

Where is the property located?

This is step 3:

Military / Veteran?

Have you or your spouse been in military service?

We will never sell your information

Disclosures and Assumptions

30-Year Fixed-Rate Mortgage:

98.875
The payment on a $647,000 30-year Fixed-Rate Loan at 5.750% and 75% loan-to-value (LTV) is $3,776 with 1 points due at closing. The Annual Percentage Rate (APR) is 5.880%. 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 5.875% and 75% loan-to-value (LTV) is $3,827 with 0.5 points due at closing. The Annual Percentage Rate (APR) is 5.959%. 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 4.875% and 75% loan-to-value (LTV) is $5,074 with 1 points due at closing. The Annual Percentage Rate (APR) is 5.089%. 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 5.250% and 75% loan-to-value (LTV) is $5,201 with 0.375 points due at closing. The Annual Percentage Rate (APR) is 5.369%. 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 5.250% and 96.3% loan-to-value (LTV) is $2,655 with 1.125 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 6.422%.
99.5
Rate is fixed. The payment on a $420,000, 30-year fixed rate loan at 5.625% and 96.3% loan-to-value (LTV) is $2,756 with 0.5 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 6.740%.

30-Year VA Fixed-Rate Mortgage:

98.875
Rate is fixed. The payment on a $625,000, 30-year fixed-rate loan at 5.250% and 100% loan-to-value (LTV) is $3,531 with 0.75 points due at closing. The Annual Percentage Rate (APR) is 5.561%. 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 5.875% and 100% loan-to-value (LTV) is $3,782 with 0.5 points due at closing. The Annual Percentage Rate (APR) is 6.174%. 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 6.250% and 75% loan-to-value (LTV) is $7,389 with 1.125 points due at closing. The Annual Percentage Rate (APR) is 6.381%. 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 6.500% and 75% loan-to-value (LTV) is $7,585 with 0.25 points due at closing. The Annual Percentage Rate (APR) is 6.548%. 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.