Up Mortgage

We are passionate about having solutions in place even before the need arises.

While the concept of outstanding customer service is not new, it is our mission to continuously evolve and improve within our industry. That is why we are constantly innovating and developing ways to make the customer experience even better. Our entire team is devoted to our commitment of providing only exceptional service. Everyone is involved, ranging from our sales team, to our operations professionals, to secondary marketing, and to our management team. We invite you to experience the Up Mortgage advantage and will strive to make us your mortgage broker for life.

Teamwork. Empowerment. Positivity. Excellence. These four core values are the foundation of our mission statement. We strive to provide only excellent service to our clients and partners. We place great value in being the mortgage broker of choice for our clients.

Our Core Loan Services

Home Purchase

Are you a first-time home buyer?  We will guide you through the process, making sure to explain all key elements.  Not your first home?  Either way, our goal is to make the loan experience as easy and seamless as possible.   

  • Fast Pre-Qualifcation and Pre-Approval processes
  • Counseling to make an informed decision
  • Easy online processes
  • Unquestionable integrity

Home Refinance

Need to refinance your mortgage to lower your monthly payments?   We have access to some of the lowest rates in the country, and our loan specialists are trained to help you in every step of the process. 

  • A tremendous selection of loan options
  • Counseling to find the right loan for YOU
  • Conforming, Jumbo and Non-Conforming Loans
  • Early rate locks available

Cash-Out Refinance

A cash-out refinance is one of several ways to turn your home’s equity into cash.  Our loan specialists will work with you to help select the best loan solution for your needs.

  • Fast Processing
  • Access to multiple loan options
  • Easy online application
  • Unrivaled customer satisfaction

Reverse Mortgages

We have specialized loan officers that help our clients determine if a reverse mortgage is right for them.  These types of loans are powerful tools that have multiple uses for our clients… Whether it is providing the ability to remain in your home during retirement, or accessing additional funds for a wider investment portfolio, we have packages that fit almost every need.

  • Refinance your current home
  • Purchase a new home
  • Setup a line of credit
  • Access funds immediately

 End Mortgage Insurance

Mortgage insurance costs borrowers hundreds of dollars each month, and none of it is applied toward their loan balance.  Our experts can provide a free analysis to see if you qualify to stop paying mortgage insurance.

  • Free analysis of your current loan conditions
  • Options for qualified buyers to stop paying mortgage insurance
  • Easy online processes for loans without MI or PMI
  • Trusted advisors to guide you through the process

Home Equity Loans and Home Equity Lines of Credit (HELOC)

One of the biggest perks of homeownership is the ability to build equity over time. You can use equity to secure low-cost funds in the form of a second mortgage – either a one-time loan or a revolving home equity line of credit (HELOC).

  • Expert guidance for the best loan options
  • Easy online applications
  • Fast processing
  • Access to some of the lowest rates in the country

Our Loan Specialists

Phone: (415)-361-8535

NMLS# 1846149

Thomas Nguyen

Broker / Loan Officer

Phone: (408) 627-3137

NMLS: 1639613

Pedro Garcia

Broker / Loan Officer

Phone: (510) 603-1808

NMLS: 2238489

Sam Tsang

Loan Officer / LOA

What Our Clients Say About Us.

Nicole W.

“Aileen was a pleasure to work with. She goes above and beyond to get things done on time. Very prompt in follow-ups, responding to emails and text messages. I strongly recommend Up Mortgage if you are buying a house.”

Kenneth E.

“Pedro helped me on two occasions and exceeded my expectations both times…I am a bit more savvy than a first time buyer and I am impressed with Pedro's understanding of finances. He's got an MBA and seems like he invested a lot in his own professional development. He was also looking out for me as his client…Competent and, above all, a good guy who wants the best for his clients.”