To improve and modernize the way homebuyers are educated and prepared to finance their home.
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.
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.
Ryan has been in the mortgage and real estate business since he graduated from the University of St. Thomas in 1994. Over all of those years and thousands of transactions, the one thing that has not changed is Ryan’s interest in the lives and stories of the people he works with. He knows that every transaction is a very important part of that client’s life.
Ryan has built a mortgage team of specialists that have a common goal to be the best at what they do. Everyone on the team is committed to excellence. The Ryan Yardley mortgage team has created an advantage by controlling more of the process which eliminates variables, providing a high level of accountability. Every step of your mortgage happens right here in Minnesota with people Ryan knows and trusts.
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.
