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
6.000
6.146
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
6.250
6.338
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
5.875
6.099
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
6.125
6.271
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
30-Year FHA
98.875
6.375
7.271
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
6.625
7.459
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
6.125
6.479
Lender Fees:
Discount Points:
1.125%
Admin Fee:
$0
Credit Report:
$0
Processing:
$0
Underwriting:
$0
Doc Prep:
$0
Funding:
$0
Tax Service:
$0
99.5
6.500
6.799
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
6.875
6.987
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
99.5
7.000
7.076
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
Rates as of:
7:50AM Pacific Time on June 2nd, 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 6.000% and 75% loan-to-value (LTV) is $3,879 with 1.125 points due at closing. The Annual Percentage Rate (APR) is 6.146%. 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 6.250% and 75% loan-to-value (LTV) is $3,984 with 0.5 points due at closing. The Annual Percentage Rate (APR) is 6.338%. 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 5.875% and 75% loan-to-value (LTV) is $5,416 with 1 points due at closing. The Annual Percentage Rate (APR) is 6.099%. 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 6.125% and 75% loan-to-value (LTV) is $5,504 with 0.5 points due at closing. The Annual Percentage Rate (APR) is 6.271%. 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 6.375% and 96.3% loan-to-value (LTV) is $2,858 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 7.271%.
99.5
Rate is fixed. The payment on a $420,000, 30-year fixed rate loan at 6.625% and 96.3% loan-to-value (LTV) is $2,928 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 7.459%.
30-Year VA Fixed-Rate Mortgage:
98.875
Rate is fixed. The payment on a $625,000, 30-year fixed-rate loan at 6.125% and 100% loan-to-value (LTV) is $3,879 with 1.125 points due at closing. The Annual Percentage Rate (APR) is 6.479%. 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 6.500% and 100% loan-to-value (LTV) is $4,035 with 0.5 points due at closing. The Annual Percentage Rate (APR) is 6.799%. 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 0.875 points due at closing. The Annual Percentage Rate (APR) is 6.987%. 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 7.000% and 75% loan-to-value (LTV) is $7,984 with 0.5 points due at closing. The Annual Percentage Rate (APR) is 7.076%. 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.