Buy a home with the benefits you've earned.  

$0 Down. Lower Rates. No BS.

VA loans are an incredible resource for eligible American veterans and their families. Upwell Mortgage is dedicated to helping you make the most of all that's available to you. We'll work hard to give you a low rate, with the local expertise you need and the personalized service you deserve.

Why Do Lower Rates Matter?

Save Money.  Enjoy more financial freedom.


1.  Save big on mortgage payments

A small difference in rate may not seem like much. But over the first few years, a higher rate costs thousands more.  Here's an example.*

$300,000 loan amount                           
Rate:                        4.500%        4.000%
Monthly P&I:          $1,520.06    $1,432.25
5 year savings:       -                    $7,399
10 year savings:     -                    $14,453


2.  Buy more house

A lower rate can increase your buying power by up to 5%. Buy a bigger home.  Get into your dream neighborhood.  Wind up with more of what you want - without paying more each month.  

$1600 P&I Payment  - $0 Down              
Rate:                         4.500%        4.000%
Purchase Price:     $315K           $335K

(This comparison does not inlcude taxes and insurance)


3.  Pay off credit cards

Credit card debt can soar as high as 23%.  If you put the above $87.81 in monthly mortgage payment savings toward $5,000 in credit card debt at 23%, you'd pay off your credit card seven years faster.  Saving you thousands in interest.**

Why Choose a Local Lender?

Get hands-on guidance.  And peace of mind.


1.  On-call communication

Our local experts stay connected with you throughout the process. So you always know what's happening - without relying on an automated system.   


2.  Expert Guidance

Most online lenders direct you to call centers where your contact may or may not have the answers to expertly guide your decision-making.  We work hard to advise you on the right rate and loan product for your unique needs, avoiding costly mistakes.


3.  Reliable Accuracy

Not all pre-approvals are reliable.  Only when an actual human reviews your application is your pre-approval rock solid.  Our pre-approvals are thoroughly vetted, assuring you and the real estate agents involved in the transaction.

Ready to learn more?

Email Eddie at Upwell.

Or call 253-222-3888


Eddie Anderson

Sr. Loan Officer
NMLS# 174431


*Assumptions:  Owner Occupied, $300K loan amount, 0% down, No origination fee, 1% discount point, 680 credit score, SFR, VA first-time use, property located in OR or WA. Interest rates may vary and are subject to change.

**Assumes 10yr credit card payback terms.