Business Details
34 Years
experience
Your Trusted Mortgage Partner in Bellevue, WA
Since 1992, Upwell Mortgage has been committed to providing home buyers with low rates and fees coupled with superior service. Our team of dedicated Loan Officers focuses on your unique needs, helping you secure the right mortgage for your financial situation. With in-house underwriting, we oversee every step of the loan process, eliminating high-pressure sales tactics and delivering a boutique experience. We empower clients with transparent rates and costs available online 24/7, alongside personalized advice from seasoned professionals. Our innovative programs help buyers compete in todays housing market, and our 4.9-star reputation reflects our dedication to client satisfaction.We serve Washington, Oregon, Idaho, Colorado, and California, offering VA, FHA, conforming, and jumbo loan options. Our streamlined approach passes savings to clients through a $1 lender fee while maintaining competitive rates. With over 30 years of experience, we prioritize homebuyers interests above all else, combining local expertise with technology for a balanced mortgage solution.
Services
Mortgage Loans
Refinance Services
VA Loans
FHA Loans
Jumbo Loans
Cash-Out Refinance
Bridge Loans
Details
- Year established: 1992
Highlights and features
- We offer over 30 years of experience in mortgage lending
- We provide in-house underwriting for faster approvals
- We guarantee transparent rates and no hidden fees
- Our team consists of certified mortgage experts
- We serve multiple states including WA, OR, ID, CO, and CA
Associations and certifications
- NMLS
What people say
Great rates
Excellent communication
Professional team
Fast approvals
No hidden fees
Services
Mortgage Loans
We provide customized mortgage solutions for home purchases with competitive rates and flexible terms. Our services include fixed-rate, adjustable-rate, and government-backed loans. Clients benefit from our in-house underwriting process and local market expertise across five states.
VA Loans
Specialized mortgage programs for veterans and active-duty personnel offering $0 down payment and lower rates. We guide clients through VA loan eligibility requirements and ensure compliance with Department of Veterans Affairs standards while maintaining transparent pricing.
FHA Loans
Low-down-payment mortgage options insured by the Federal Housing Administration. Our FHA loan specialists help clients with lower credit scores qualify for home financing while explaining mortgage insurance requirements and property standards.
Refinance Services
We offer rate-and-term refinancing, cash-out options, and streamline programs to reduce monthly payments. Our process includes rate analysis, equity assessment, and closing cost evaluation to maximize client savings.
Jumbo Loans
Non-conforming mortgage solutions for high-value properties exceeding conventional loan limits. We provide competitive terms for luxury home purchases with personalized underwriting and dedicated loan officer support throughout the Pacific Northwest.
Questions
What mortgage loan options do you offer?
We provide VA, FHA, conforming, jumbo, and adjustable-rate mortgages for purchases and refinances across WA, OR, ID, CO, and CA.
How can I get pre-approved for a mortgage?
Apply online or call us to receive a thorough pre-approval with verified rates in minutes—no personal information required initially.
Do you offer low-down-payment options?
Yes, we provide VA loans with $0 down and FHA loans starting at 3.5% down with flexible credit requirements.
What are your current mortgage rates?
Live rates update daily and can be viewed instantly online with no obligation through our transparent rate comparison tool.
How does your underwriting process work?
Our in-house underwriting team reviews applications directly, accelerating approvals while maintaining strict compliance standards.
Can I refinance my existing mortgage?
Yes, we offer rate-reduction refinancing, cash-out options, and streamline programs to help lower payments or access home equity.
