Boutique Mortgage Solutions, Tailored to Your Story

At Upstream Mortgage, we transform the complex journey of home financing into a clear, personalized path. Our boutique approach means you’ll work directly with experienced mortgage professionals who take the time to understand your unique situation and goals.

Streamlined Process: Efficient, transparent, and hassle-free experience

We’ve simplified the complex world of mortgage lending into a clear, manageable journey that puts you in control. Our boutique approach means you’ll have a dedicated advisor who knows your story and anticipates your needs, while our digital tools and streamlined systems ensure nothing falls through the cracks. Experience the perfect balance of personal service and modern efficiency.

Exceptional Service and Exceptional Talent

Our Loan Officers are ready to help you take the next step in your home journey.

Exceptional Service and Exceptional Talent

Meet Our Dedicated Loan Officers

About Us

Loan Programs

USDA Loans

Conventional Loans

Jumbo Loans

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.

Ryan and his team made this entire process go perfectly. They provided constant updates on the status of our mortgage application and if anything was outstanding or needed to complete the process, they were always on top of it. We missed a minor detail along the way and his team caught it. They were extremely thorough and provided all the necessary guidance to ensure that I was well informed and educated. Additionally, I've tried to use others to complete my VA Jumbo mortgage applications, only to find out that they were incomplete, the fees were not what they should be, etc... With Ryan, I knew exactly what I was getting, what to expect at the closing, and that the deal would close on time. I'll never use anyone else for my mortgage lending! The Yardley team was fantastic!

Ryan is the most honesty profession and trustworthy lender my family and I have met who has done every possible moments such as in terms of receiving calls even after business hours and giving all options from where we can be benefit from. For example: I remember calling him and Patsy for a clarification and or even for simple questions when we were confused, we were so lucky to have Ryan and Patsy as a our lender in this beautiful process of purchasing my dream house. He has explained the process to me and my family with the upmost and honest professionalism, thorough, well-organized, accountable, and very knowledgeable in every single process. Thank you so much for your patience and kindness and most importantly for treating us as people rather than just Home loan customers. I will recommend him everyone I know who is in need of financing and stepping in process of purchasing their dream home. I truly wish you and your team’s mission and vision come true, God bless you all.

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.

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!

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.

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.

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.