Honest answers to fair questions

We're real local experts. Every file is reviewed by a licensed local loan officer who knows the Twin Cities market. No bots, no automated letter from a system that never actually looked at the file.

Most standard pre-qualifications are completed within an hour during service hours (weekdays 8am–10pm, weekends 8am–8pm). Complex scenarios may take longer, but you'll always know where things stand and when to expect an answer.

Yes. We offer customizable one-sheets, email templates, and buyer scripts that keep your brand front and center while Upstream handles the lending work behind the scenes. Call us to get set up.

You're absolutely welcome to work with Upstream directly. We'll walk you through everything in plain English — no jargon, no pressure, no surprises. First-time buyer? That's exactly who we're here for.

As a mortgage broker, Upstream accesses wholesale lending rates and passes those savings directly to borrowers instead of marking them up. On a recent $400k purchase, our client kept $7,420 more at closing than they would have at a major regional bank — at the exact same interest rate.