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Michael Naselow, Mortgage Loan Officer
Michael Naselow
Mortgage Analyst & Loan Officer
NMLS #91667
[email protected]
360-303-6905
Michael Naselow has worked in the mortgage industry for over 22 years. With a strong background in mortgage data analytics, he has a talent for helping customers find the best solutions for their unique needs. If you’re looking to understand the finer details of a loan product, Michael is the ideal lender to guide you through it.
Whether you’re an experienced investor with multiple properties, a first-time homebuyer, or building a new home, Michael will help you explore your options with clarity and confidence. Known for his attention to detail and commitment to customer service, he takes pride in delivering a smooth and informed lending experience.
Michael lives in Whatcom County, where he enjoys riding and maintaining local mountain bike trails, as well as hitting the slopes when winter rolls around.
Request a Custom Quote from Michael
Mortgage rates as low as:
6.568%
APR
30-year Fixed Rate Purchase
5.985%
APR
15-year Fixed Rate Refinance
6.372%
APR
30-year VA Purchase
6.490%
APR
30-year USDA Fixed Rate Purchase
Start Your Loan Application Online
Apply for preapproval, purchase, refinance, or construction loans.
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Documentation Checklist
- Proof of identity: Driver's license or other government-issued photo ID, SSN, signature
- Proof of Income: W-2 wage statements from past two years
- Proof of asset: Bank statements and/or investment account statements
- Employment verification: Pay stubs or business statements for self-employment
- Credit report will be pulled during the application based on ID provided
Purchase: Conforming Loan Rates
| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Purchase | 6.500% | 6.568% | 0.375 | $450,000.00 | $2844.31 |
| 15-year Fixed Rate Purchase | 5.875% | 5.946% | 0.125 | $450,000.00 | $3767.03 |
Interest Rates Effective: 07/11/2025
Refinance: Rate-and-Term Refi Rates
| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year Fixed Rate Refinance | 6.625% | 6.681% | 0.250 | $450,000.00 | $2881.40 |
| 15-year Fixed Rate Refinance | 5.875% | 5.985% | 0.375 | $450,000.00 | $3767.03 |
Interest Rates Effective: 07/11/2025
VA Home Loan: Purchase
| Loan Term | Interest Rate | APR | Discount Points | Ex: Loan Amount | Ex: Monthly Payment |
|---|---|---|---|---|---|
| 30-year VA Purchase | 6.125% | 6.372% | 0.000 | $500,000 | $3038.05 |
Interest Rates Effective: 07/11/2025
Rates listed are for primary residence in single family home with a 0% down payment and borrower credit score of 780. APR (Annual Percentage Rate) is based on loan amount and interest rate. Example monthly payments quoted include principal and interest only. Actual payments may be higher if they include taxes and insurance. Rate, terms and fees are subject to change without notice. Subject to credit approval. Ask us about additional available loan programs.