We Help You

Finance Your Dream Home.

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We Help You Finance Your Dream Home.

Talk With Us

Why work with us?

EXPERIENCE & EXPERTISE

Over 35 Years Combined Experience

More than 2,000 Families Helped

Deep Financial Expertise

Never Missed a Closing

Many Loan Options

5-Star Rated

Great Rates

"

Bryan and Shay provided outstanding customer service with clear and concise guidance, frequent communication and enduring patience. Additionally, they are an energetic, positive, and engaging team that kept me enthusiastic and confident throughout the entire process. Thank you for your professionalism and taking my transaction to the finish line.

JIM ALWYN

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"

Bryan and Shay were incredible to work with!! They are so very talented and were on top of everything, making the process so much easier for us. Our realtor (who had never worked with them before) was impressed with how they got things done ahead of time to avoid hiccups. They answered all of my crazy questions with such patience and grace. We are so thankful for both Bryan and Shay and all they did for our family. 

AMANDA PURVIS

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Meet Bryan

Mortgage Advisor with over 30 years of experience in the mortgage industry and a background as a CPA, Bryan is an expert. He brings a wealth of knowledge and a deep financial understanding to our customized home financing solutions.

Meet Shay

Mortgage Advisor with a Bachelor's Degree in Finance, and a background in Real Estate Financing, Accounting, and Tech, Shay brings deep financial knowledge and a modern approach to our customized home financing solutions.

Shay's Full Story

Our Products

Our company is backed by NEXA Mortgage, the largest mortgage broker in the US. Whatever loan product you need, we have access to. Looking to finance a primary residence, vacation home, or an investment property in Lake Tahoe, Northern Nevada, Northern California, or the Bay Area? We can help.

  • Conforming Loans (Fixed & Variable Rates)
  • Condo, Single-Family, Second Home, Vacation Home
  • Primary Home, Second Homes, Investment Properties
  • FHA (Down to 500 FICO)
  • VA, FHA, USDA, DPA, 203K
  • Jumbo & Jumbo VA Loans
  • HELOC, Piggy Back, 40-Year Terms
  • Interest-Only
  • Investor, DSCR, Fix N Flip, Commercial
  • Bank Statement, Bridge Loan, Reverse
  • Doctors Loans, Land/Lot Loans, Manufactured

Mortgage Upside began...

with a belief that the world of homebuying and refinancing can feel overwhelming—rising costs, confusing loan options, and endless paperwork. It doesn’t have to be this way. People deserve a smoother path to owning or improving the home of their dreams.

We exist to help you navigate these obstacles with kindness, transparency, and a commitment to your best interests. Our mission is to take the stress out of the loan process so you can focus on what really matters—making a house feel like home.

By pairing competitive rates with personalized, high-touch service, we empower you to move forward confidently. At Mortgage Upside, we believe that everyone should have a trusted partner who genuinely cares, champions their goals, and helps bring the dream of homeownership within reach. We’re here to make buying or refinancing simpler, more accessible, and, yes, maybe even a little enjoyable.

"With a boundless heart, one should cherish all living beings, radiating kindness over the entire world."