Alan Thain

Sr. Loan Officer
Alan Thain picture in blue

With more than 25 years of experience in the mortgage industry, Alan is a 7-time Five Star Mortgage Professional award winner with over $400 million in career production. Alan is committed to providing an outstanding mortgage experience through personal communication and quick, sound solutions. Outside of the office, he loves spending time with his kids, hot yoga, cooking and exploring the Northwest on his motorcycle.

Upwell Mortgage provides Alan more access to innovative mortgage solutions and cutting-edge technology that allow him to push the envelope on delivering low rates and making the mortgage process quick, simple and inexpensive.

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206.909.8278  |  NMLS# 50649 |  State License
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Real Rates. No Catch.

If you think our rates are good, you should see our fine print.*

*Additional lender fees:

$1295 UW/Admin ($0 for VA loans)

$775 typical appraisal fee (varies)

$0 origination, $0 credit report, $0 processing, $0 doc prep, $0 funding, $0 wire transfer, $0 flood certification.

Always scan the fine print for origination and/or other fees.  When getting verbal quotes from lenders who don’t post rates, request they email a screenshot of their pricing to be sure it matches their verbal quote.

Some mortgage companies quote different rates based on how you were referred to them.  Some of their rates also vary by loan officer and/or by branch.   Upwell rates are consistent regardless of source.

Points are costs usually collected at closing for obtaining a specific rate and may be paid by the borrower or the home seller or may be split between them. Numbers appearing in brackets are credits – example ($2000).

APR=Annual Percentage Rate: A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.

The APR includes the approximate cost of prepaid finance charges, including 10 days of prepaid interest, points associated with the rate displayed, and some third-party fees. It does not include other closing costs. Actual APRs for individual loans may differ. All loan applications are subject to credit and property approval. Sample payments shown include only principal and interest. Your interest rate will depend on specific characteristics of your transaction and your credit profile up to the time of closing. Adjustable Rate Mortgage (ARM) interest rates and payments are subject to change during the loan term. That change can increase or decrease your monthly payment. If your down payment or equity is less than 20%, mortgage insurance will be required, which will increase the monthly payment. Assumes no other loans or liens on subject property. Property and/or flood hazard insurance may be required. Maximum loan limits may apply. Additional rates and programs are available.

Hazard insurance is required, and flood insurance may be required if the property is located in a flood zone. Payments do not include amounts for property taxes and insurance premiums. Actual payments may be higher.

This rate sheet is not a credit decision or a commitment to lend and your rate will depend on various factors including your type of loan, credit profile, property value, occupancy, loan size, etc. Rates and product availability may also vary based on the State or region in which your financed property is located. Offer is subject to normal credit qualifications. Rates are subject to change. Consult your tax advisor regarding the deductibility of interest. Some restrictions may apply.