About Us

Our Vision

To improve and modernize the way homebuyers are educated and prepared to finance their home.

Our Mission

We relentlessly research and connect our customers with the best wholesale mortgage to fit their needs. We want to make the home loan process easier, faster, and more transparent so our clients feel stress free and empowered when making their mortgage decisions.

About Us

Upstream Mortgage is a boutique mortgage broker shop, based in Twin Cities of Minnesota. We are partnered with CFR Mortgage for access to elite wholesale relationships. We service MN, WI, and FL with expansion to other states coming soon. After having worked in large retail mortgage we realized there was far too much waste, and way too many human layers to the process, making it inefficient as well as expensive. We wanted our entire company to only have team members with the same experience, ethics, and vison. It is not easy to join Upstream Mortgage unlike every other mortgage company begging for loan officers. We are exclusive in regards to who is qualified to become a part of our organization.

We realized it is important to be brokering mortgages, thus giving the customers access to better rates, with more programs and skipping all the bureaucracy. We take care of our clients with more of a consultancy approach which leads to better communication and education. Our standard is to empower the customer thru education, giving them the confidence in financing the largest investment they might ever make, their home.

Our Team

Ryan Yardley

NMLS# 1114522
Branch Manager

Bryan Crepeau

NMLS# 332194
Loan Consultant

Angela Warren

Processor

Testimonials

Marissa L

Highly recommend!

This was my first time buying a home and it went very smoothly. I had no idea what to expect and all this was a foreign language to me but Ryan and his team were very patient and took time to ensure that I understood everything. They were so knowledgeable and responsive. Having them as my lender put me at ease during this process.

Brian Christensen

Coming from a prior lending/mortgage background I already had an institution in mind, my agent recommended to also try Ryan, and once I met with him, it was a no-brainer. We walked through everything and I am admittedly a difficult customer when it comes to financing. Ryan was patient and awesome, and the process had way less hoops than I expected. I actually just contacted him again today now that I found a new property and I realized I never left the well-deserved review.

Innessa Schwartz

Ryan Yardley and team were such a joy to work with. This was our first purchase of a home, I asked a lot of questions and we needed crazy guidance.. we were so well taken care of! We always heard back within a few hours (if not sooner) of contacting Ryan and team. Could not be happier with our experience. Thanks!

Jen H

Fabulous

Ryan is very knowledgeable and I felt like he shared that knowledge to help make important decisions based on my specific circumstances and options. You always want to feel you trust the person you are working for and they are not out to make as much money or commission on you as they can. I definitely felt that trust with Ryan.

William Johnson

Wonderful and profession for a new home buyer

Ryan Yardley and his team were very flexible, responsible, and timely with requests from the very start. Ryan made the lender process comfortable and easy. He was quick to provide turn around on proposals and patient with us as this was our first time buying a home. Patsy and Miranda were great with keeping us informed and letting us know if we needed to provide anything additional. I would definitely recommend Ryan and his team whether it’s your first time or third time buying a home.

Banna Kidane

Amazing Job!

Ryan is absolutely amazing! He has done a fantastic job educating me in the entire process, coaching me, and making sure I got the best interest rates on my Refi. He and his team was so responsive to all of my questions. The one thing Ryan did before officially locking my rates is he did a final review and saw he could get me an additional .25% lower. Would highly recommend him and his team!

Eric Montes

Excellent Service/Above and Beyond

Ryan Yardley and the AMEC Team did an amazing job helping me purchase my new home in MN! The Above and Beyond kudos are necessary due to the fact that they were not my initial lender and actually had to swoop in and save me from a horrible experience I was having with one of the larger banks. They did more for me in two weeks than the large bank did in two months! Long story short, I would have saved myself a lot of stress if I had gone with, Ryan and the Team at AMEC in the first place. I haven’t wasted any time and have already referred him twice to potential home buyers that I know. Highly recommended.

Gramsjared

Ryan was great!!

With mortgage rates down, Ryan was able to help me with refinancing my mortgage. He did amazing!! He got me a low rate in addition to getting me money back (a few thousand) with my refi. Ryan was knowledgeable and helpful throughout the process. He answered any questions I had really quick when I called/emailed him. He also updated me throughout the process when I needed to be. I would highly recommend Ryan for someone who is looking to refinance.

REALTORS: How We Help You

Connect with us today to learn more about how Upstream Mortgage not only saves your clients money by going upstream to the wholesale mortgage channels, but also how we strengthen your chances of getting your offers accepted. With our fully underwritten pre-approvals, low closing cost strategies and track record with listing agents, we consistently help our clients win in multiple offers situations.

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