Home Loans

Home Loans using a fast and easy process. Click or call – whatever works best for you, get pre-approved, shop for a home with confidence. Your own expert, great rates, peace of mind.

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Drop us your details online or call us to get an accurate pre-approval right away. With your loan pre-approved, you can shop for a home knowing you’re ready to make a rock solid purchase offer.

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A dedicated expert, with an average 20 years experience, will give you the insight to explore your home loan options and choose well.

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You’ll never be left in the dark.  Your dedicated Loan Officer team stays connected with you AND your real estate agent.  Start to Finish.

4 Simple Steps



Give us your information to get the ball rolling.  Click or call – whatever works best for you. You’ll have a local expert dedicated to answering your questions and keeping your application on track.



This step really matters in the market today. The quality of your pre-approval letter can determine how solid your offer will be. We’ll make sure you’re fully vetted.



When you’re ready to make an offer to purchase a home you love, we’re on call.  Reach out if you need a letter tailored to the offer amount.  Don’t have a real estate agent?  We’re connected to some of the best and can refer you.



Signing your closing paperwork is an important moment.  We’ll be available to answer any questions that might come up.  Then it’s time to celebrate.

How We Work

We built Upwell as a springboard for opportunity – to help homeowners like you achieve their dreams. The lending industry today is split between two extremes, leaving many of homebuyers’ needs unmet. A growing number of tech-centric lenders offer efficient processes and low rates, but not reliable, local expertise to guide decision-making. And the mortgage companies with helpful, experienced agents? They have higher rates. Upwell brings together the best of both. We connect you with seasoned experts who know the ins and outs of your market, along with competitive rates and the convenience of technology. No need to compromise.

How are we able to take this approach? We made the decision to put homebuyers’ interests above all else. We’re creating a better balance in mortgage lending by looking out for you first. To us, it’s meaningful work, it’s good business, and it’s time you had another option.

Frequently Asked Questions

Answers to common questions about home loans.

How much home can I afford?

To determine how much house you can afford, many experts agree that people should spend no more than 28 percent of their gross monthly income on housing expenses and no more than 36 percent on total debt — that includes housing as well as things like student loans, car expenses, and credit card payments.

There are many types of home loans offering different terms and rates, some requiring lower down payments than others. Use this simple mortgage loan amortization calculator to find out what your payments would be and help determine the maximum home price you feel comfortable with.

What is a first-time home buyer loan?

Typically, if you’ve never owned a home, you are considered a first-time home buyer. Additionally, if you have not owned a primary residence for the last three years, you may still be considered a first-time home buyer. There is maximum financing and flexibility for first time homebuyers, with as little as 3% down. FHA loans are very popular for first-time buyers due to low down payment requirements of 3.5%.

What is a mortgage loan pre-approval?

Pre-approval allows you to get pre-approved for a specific loan amount prior to finding the home you want to purchase. The loan documents are reviewed, and the lender commits to a specific loan amount. A strong pre-approval can provide an advantage if someone else is interested in the same home simultaneously.

Drop us your details online or call us (425-748-9990) to get an accurate pre-approval right away. With your loan pre-approved, you can shop for a home knowing you’re ready to make a rock solid purchase offer.

When can I lock in my interest rate?

You can lock or float your interest rate at any time once you are in contract to buy a home and a closing date has been determined. Your loan officer will advise you and discuss options at the appropriate time.

Is there a cost to apply for a home loan?

Initially, there is no fee collected for a pre-approval. Appraisal fees that may apply to your request will be collected if you choose to move forward with your loan.

Alan f.
The team at Upwell did an excellent job in the home mortgage loan process. The rate and fees were very competitive and no high pressure sales gimmicks that I was receiving from others. I had a tight closing deadline and they met it. I cannot say enough about the quality of service and professionalism my wife and I received from UPWELL! 5+ stars from a happy customer!!!
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Caroline C.
Jeff and his team were incredible! They were fast acting, were incredibly responsive, knowledgeable, and open to answering all of my many questions. No doubt that next time I need a loan officer will I call Jeff! By the end I felt like part of his family
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Ciara R.
Purchasing a home can be a scary and nerve wracking experience, but not when you have the right people in your corner. I can’t imagine working with anyone else than Eddie Anderson and his team because they made each step so seamless and stress-free. They are so detail oriented, so efficient, and truly made us feel safe with each decision and signature. We are so thankful we got to work with them, and I know in the future with the next home we purchase, we will for sure call him!
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