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
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Lower Rates
Lower Fees

30-Year Fixed

98.875
4.875
4.998
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
5.375
5.411
Lender Fees:
Lender Credit:
($2426)
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
4.125
4.334
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
4.500
4.560
Lender Fees:
Lender Credit:
($1618)
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
4.500
5.609
Lender Fees:
Discount Points:
0.625%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
100
5.000
6.056
Lender Fees:
Lender Credit:
($1603)
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0

30-Year VA

98.875
4.500
4.820
Lender Fees:
Discount Points:
1.000%
Admin Fee:
$0
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
100
4.750
4.984
Lender Fees:
Lender Credit:
($1598)
Admin Fee:
$0
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0

30-Year Jumbo

98.875
4.750
4.826
Lender Fees:
Discount Points:
0.625%
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
100
4.875
4.896
Lender Fees:
Lender Credit:
($1500)
Admin Fee:
$1,295
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
Rates as of:
6:26AM Pacific Time on May 19th, 2022

Calculate Your Mortgage Payments

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Disclosures and Assumptions

30-Year Fixed-Rate Mortgage:

98.875
The payment on a $647,000 30-year Fixed-Rate Loan at 4.875% and 75% loan-to-value (LTV) is $3,424 with 1 points due at closing. The Annual Percentage Rate (APR) is 4.998%. 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 $647,000 30-year Fixed-Rate Loan at 5.375% and 75% loan-to-value (LTV) is $3,623 with -0.375 points due at closing. The Annual Percentage Rate (APR) is 5.411%. 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 4.125% and 75% loan-to-value (LTV) is $4,826 with 1 points due at closing. The Annual Percentage Rate (APR) is 4.334%. 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 $647,000 15-year Fixed-Rate Loan at 4.500% and 75% loan-to-value (LTV) is $4,950 with -0.25 points due at closing. The Annual Percentage Rate (APR) is 4.560%. 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 4.500% and 96.3% loan-to-value (LTV) is $2,461 with 0.625 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 5.609%.
100
Rate is fixed. The payment on a $420,000, 30-year fixed rate loan at 5.000% and 96.3% loan-to-value (LTV) is $2,590 with -0.375 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 6.056%.

30-Year VA Fixed-Rate Mortgage:

98.875
Rate is fixed. The payment on a $625,000, 30-year fixed-rate loan at 4.500% and 100% loan-to-value (LTV) is $3,240 with 1 points due at closing. The Annual Percentage Rate (APR) is 4.820%. 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 $625,000, 30-year fixed-rate loan at 4.750% and 100% loan-to-value (LTV) is $3,335 with -0.25 points due at closing. The Annual Percentage Rate (APR) is 4.984%. 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 4.750% and 75% loan-to-value (LTV) is $6,260 with 0.625 points due at closing. The Annual Percentage Rate (APR) is 4.826%. 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 $1,200,000 30-year Fixed-Rate Loan at 4.875% and 75% loan-to-value (LTV) is $6,351 with -0.125 points due at closing. The Annual Percentage Rate (APR) is 4.896%. 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.