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.

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425.891.2200  |  NMLS#175417 |  State License
5 blue stars depicting customer reviews
Lower Rates
Lower Fees

30-Year Fixed

98.875
3.500
3.633
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
100
4.000
4.053
Lender Fees:
Lender Credit:
($1406)
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
3.250
3.470
Lender Fees:
Discount Points:
0.875%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
100
3.750
3.843
Lender Fees:
Lender Credit:
($938)
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
3.375
4.492
Lender Fees:
Discount Points:
0.875%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
100
3.625
4.667
Lender Fees:
Lender Credit:
($491)
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0

30-Year VA

98.875
3.250
3.532
Lender Fees:
Discount Points:
0.750%
Admin Fee:
$0
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
100
3.500
3.722
Lender Fees:
Lender Credit:
($511)
Admin Fee:
$0
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0

30-Year Jumbo

98.875
3.750
3.844
Lender Fees:
Discount Points:
0.875%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
100
4.000
4.023
Lender Fees:
Discount Points:
0%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
Rates as of:
7:27AM Pacific Time on August 14th, 2019

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Disclosures and Assumptions

30-Year Fixed-Rate Mortgage:

98.875
The payment on a $375,000 30-year Fixed-Rate Loan at 3.500% and 75% loan-to-value (LTV) is $1,684 with 1 points due at closing. The Annual Percentage Rate (APR) is 3.633%. 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.
100
The payment on a $375,000 30-year Fixed-Rate Loan at 4.000% and 75% loan-to-value (LTV) is $1,790 with -0.375 points due at closing. The Annual Percentage Rate (APR) is 4.053%. 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 $375,000 15-year Fixed-Rate Loan at 3.250% and 75% loan-to-value (LTV) is $2,635 with 0.875 points due at closing. The Annual Percentage Rate (APR) is 3.470%. 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.
100
The payment on a $375,000 15-year Fixed-Rate Loan at 3.750% and 75% loan-to-value (LTV) is $2,727 with -0.25 points due at closing. The Annual Percentage Rate (APR) is 3.843%. 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 $386,000, 30-year fixed rate loan at 3.375% and 96.5% loan-to-value (LTV) is $2,007 with 0.875 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 4.492%.
100
Rate is fixed. The payment on a $386,000, 30-year fixed rate loan at 3.625% and 96.5% loan-to-value (LTV) is $2,062 with -0.125 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 4.667%.

30-Year Fixed-Rate VA Loan:

98.875
Rate is fixed. The payment on a $400,000, 30-year fixed-rate loan at 3.250% and 100% loan-to-value (LTV) is $1,778 with 0.75 points due at closing. The Annual Percentage Rate (APR) is 3.532%. 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.
100
Rate is fixed. The payment on a $400,000, 30-year fixed-rate loan at 3.500% and 100% loan-to-value (LTV) is $1,835 with -0.125 points due at closing. The Annual Percentage Rate (APR) is 3.722%. 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 $1,000,000 30-year Fixed-Rate Loan at 3.750% and 69.9% loan-to-value (LTV) is $4,631 with 0.875 points due at closing. The Annual Percentage Rate (APR) is 3.844%. 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.
100
The payment on a $1,000,000 30-year Fixed-Rate Loan at 4.000% and 69.9% loan-to-value (LTV) is $4,774 with 0 points due at closing. The Annual Percentage Rate (APR) is 4.023%. 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.