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 personalized advice, eliminating high-pressure sales tactics while delivering a boutique experience. We combine in-house underwriting with innovative programs to help clients secure offers in competitive housing markets. With over 30 years of experience, we offer VA, FHA, and conventional loan options tailored to individual financial situations. Our streamlined approach allows us to pass savings onto clients through competitively low rates without additional fees.We serve Washington State, Oregon, Idaho, Colorado, and California with local expertise and technology-driven convenience. Our mortgage advisors work independently to ensure unbiased guidance throughout the loan process. We maintain transparency with 24/7 access to real-time rates and costs online, requiring no email, credit check, or personal information. Our reputation is built on 400+ client reviews highlighting exceptional service and successful transactions. We focus on educating clients rather than aggressive sales, creating a balanced mortgage lending experience that prioritizes homebuyers' interests.
Services
VA Loans
FHA Loans
Refinance Services
Mortgage Calculator
Loan Limits
Details
- Year established: 1992
Highlights and features
- We offer in-house underwriting for faster loan approvals
- Our $1 lender fee is among the lowest in the industry
- 24/7 online access to real-time mortgage rates and costs
- Loan Officers have average 20 years of local market experience
- We maintain full transparency with no hidden fees
Associations and certifications
- NMLS-118653
What people say
Fantastic in all aspects
Smoothest refinance experience
Outstanding service
Super competitive rates
Exceptional customer experience
Services
VA Loans
VA Loans provide eligible veterans and military families with $0 down payment options and competitive interest rates. Our specialists guide clients through the VA loan process, helping them maximize benefits while navigating unique requirements. We offer streamlined refinancing options and expert guidance on Certificate of Eligibility requirements.
FHA Loans
FHA Loans enable homebuyers with lower credit scores to purchase homes with 3.5% down payments. Our team specializes in FHA loan requirements, mortgage insurance calculations, and helping first-time buyers navigate the process. We offer FHA streamline refinancing and cash-out refinance options for existing homeowners.
Refinance Services
Our refinance programs help homeowners lower monthly payments, cash out equity, or eliminate mortgage insurance. We offer competitive rates with transparent closing costs and personalized guidance throughout the process. Our team specializes in conventional, VA, and FHA loan refinancing with expedited timelines.
Mortgage Calculator
Our online mortgage calculator provides detailed payment breakdowns including principal, interest, taxes, and insurance. Users can explore bi-weekly payment options, amortization schedules, and affordability scenarios. The tool helps clients understand their financial commitments before starting the loan process.
Loan Limits
We provide instant access to current loan limits for different mortgage programs. Our zip code-based tool helps clients understand borrowing capacity in specific locations. This service assists in determining eligibility for conforming loans and identifying when jumbo loan programs may be required.
Questions
What mortgage loan programs do you offer?
We offer VA loans, FHA loans, conventional loans, and jumbo loans with competitive rates across Washington, Oregon, Idaho, Colorado, and California.
How can I check current mortgage rates?
Use our online rate quote tool to view real-time mortgage rates and closing costs customized to your specific situation with no personal information required.
Do you offer online mortgage applications?
Yes, we provide a fast and easy online application process with our borrower portal that lets you view, sign, and upload documents from start to finish.
What are your office hours?
Our office hours are weekdays from {hours_open} to {hours_closed} Pacific Time. Our online tools and rate comparisons are available 24/7.
How long does the mortgage process take?
Our streamlined process typically closes loans faster than industry averages, with many transactions completing in 30-45 days depending on the loan type and complexity.
Do you have mortgage calculators?
Yes, we offer multiple calculators including mortgage payment, refinance savings, and loan limit tools to help you make informed decisions.
