Personalized mortgage solutions for first-time buyers, refinancers, and seasoned investors across the Central Valley.
Whether you're stepping into homeownership for the first time or repositioning your current loan, we tailor every program to your financial picture.
FHA, VA, and conventional programs designed for buyers who've never owned. We walk you through every step — from pre-approval to closing day.
Learn moreLower your rate, shorten your term, or cash out equity. We run the numbers so you know exactly how much refinancing can save you.
Learn moreProperties that exceed conventional limits need specialized expertise. We structure jumbo and investment loans that work for your portfolio.
Learn more
Up Star Home Mortgage Inc. was founded on a simple belief: mortgage lending should feel personal, not transactional. We've spent over a decade serving homeowners and buyers right here in the Central Valley.
Our team understands the unique dynamics of Modesto's housing market — from first-time buyer programs tailored to local income levels to investment loan strategies that account for Central Valley appreciation patterns.
When you work with us, you're not getting a call center. You're getting a dedicated loan officer who knows your name, your goals, and exactly which programs will save you the most money.
We've streamlined the mortgage process so you always know what's next. No surprises, no guesswork.
Share your financial details with us. We pull your credit, review your documents, and get you a solid pre-approval letter — often the same day.
We compare multiple loan programs against your situation and recommend the one that truly fits — not the one with the highest commission.
Your file moves through appraisal, verification, and underwriting. We stay on top of every milestone and keep you informed along the way.
You review and sign the final documents, funds are disbursed, and you walk away with your keys. It's that straightforward.
"Up Star made what we thought would be a stressful process feel completely manageable. Our loan officer explained every option and helped us find a rate we're still happy with — two years later."
Free, no-obligation consultation. We'll review your options and give you an honest answer.
Fill out the form or reach us directly. We typically respond within one business day — and we never sell your information to third-party marketers.
We'll get back to you within one business day.
Thanks for reaching out. We'll be in touch within one business day.
