Sr. Loan Officer | Outdoor Enthusiast | Northwest Native
Brooks began his business career after college in the technology industry, eventually serving as National Sales Manager for a specialty hardware company. Together they swiftly built a client-base across the US.
His passion for real estate led him into making a career change to the mortgage industry. Brooks brings 25+ years experience in residential lending to Upwell. He has focused on building an all-referral network of business concentrated within the technology communities of the Northwest, which has subsequently expanded to clients all around Washington and Oregon. His philosophy of always putting the customer first has earned him a stellar reputation among his client base. His lending expertise combined with his commitment to customer service has benefited thousands of homeowners over the years.
425.471.3087 | NMLS# 1610124 | State License
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.