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.
EASY APPROVAL
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.
ON-CALL EXPERTISE
A dedicated expert, with an average 20 years experience, will give you the insight to explore your home loan options and choose well.
CLOSE COMMUNICATION
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.
SHARE DETAILS
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.
GET PRE-APPROVED
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.
FIND A HOME
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.
CLOSE YOUR LOAN
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.
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.
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%.
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.
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.
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.
