Uptiq Premier Mortgage, LLC | NMLS 2362651
UPM - Uptiq Premier Mortgage
About UPM

Solutions for clients other lenders turn away.

At Uptiq Premier Mortgage, we're committed to helping clients achieve their homeownership and financing goals - no matter the challenges. While others may decline applications, we take a proactive approach, equipping our clients with the education and actionable strategies they need to succeed.

Mortgage professionals collaborating around a table
Our Story

A proactive path through complex financing.

Uptiq Premier Mortgage isn't just about approvals and denials. If you're not ready to secure financing today due to financial hurdles, we'll work with you to overcome those challenges - whether your journey takes a few months or a couple of years. Your goals become our mission.

With over 30 years of combined experience in the mortgage industry and thousands of transactions funded, our team brings deep expertise and personalized service to every client. Whether it's a first-time purchase or a complex refinance, we pride ourselves on finding solutions tailored to your unique situation.

Our team of seasoned loan officers is proficient in a full range of traditional mortgage products, including Conventional, FHA, and VA loans. Where we truly excel is in crafting innovative solutions for self-employed borrowers and leveraging our robust alternative product lineup.

We combine a comprehensive offering of loan products with advanced AI technology to deliver a seamless, efficient, and accurate experience - guiding you every step of the way.

Nilesh Makhija, President and CEO of Uptiq Premier Mortgage
Our Leadership

Nilesh Makhija

President & CEO•NMLS 2085698

Nilesh Makhija is the Founder, President, and CEO of Uptiq Premier Mortgage, where he leads the company's strategy, growth, and commitment to delivering personalized mortgage solutions. With more than a decade of experience in management consulting, financial services, and technology, Nilesh brings a disciplined, client-focused approach to the mortgage industry.

Under his leadership, Uptiq Premier Mortgage specializes in helping high-net-worth individuals, real estate investors, business owners, and borrowers with complex income profiles navigate their financing needs. The company works closely with wealth advisors and lending partners to provide access to conventional, jumbo, non-QM, DSCR, HELOC, construction, and other specialized mortgage solutions.

Nilesh is also focused on applying technology and artificial intelligence to create a faster, more transparent, and more efficient mortgage experience. His vision is to build a modern mortgage company that combines innovative technology with trusted human guidance, giving clients and their advisors greater clarity, confidence, and choice throughout the lending process.

Meet the UPM Team

Sagar Yadav, Head of Growth

Sagar Yadav

Head of Growth

sagar@uptiqpremiermortgage.com

Sagar Yadav is the Head of Growth at UPTIQ Premier Mortgage, where he leads the company's B2B and direct-to-consumer growth strategy. Working at the intersection of product, marketing, technology, partnerships, and business strategy, Sagar focuses on identifying new opportunities and building the systems required to turn them into sustainable business growth. At UPTIQ Premier Mortgage, his work goes beyond generating traffic or launching campaigns. He studies the complete borrower and wealth advisor journey to understand where friction occurs, why prospects stop converting, and what the business can improve. From developing new acquisition channels and strategic partnerships to shaping product ideas, refining funnels, and strengthening conversion, Sagar works across teams to connect strategy with execution. Sagar is also focused on using data, experimentation, and technology to build a more effective and repeatable growth engine for UPM. His approach begins with understanding the real problem, building something useful, presenting it to the right audience, measuring the outcome honestly, and scaling what works. His goal is to help UPM grow through clearer customer experiences, stronger market positioning, and systems that create lasting business value.

Francis Hebron, SVP, Direct to Consumer

Francis Hebron

SVP, Direct to Consumer

francis@uptiqpremiermortgage.com

Francis Hebron is a founding member and Senior Vice President of Direct to Consumer at Uptiq Premier Mortgage. He leads growth, recruiting, and the development of scalable origination systems, bringing more than 15 years of experience in enterprise SaaS sales, digital transformation, and partnerships.

Steve Sandonato, Head of Finance

Steve Sandonato

Head of Finance

steve.sandonato@uptiq.ai

Steve Sandonato serves as Head of Finance at Uptiq Premier Mortgage, overseeing the company’s accounting operations, financial reporting, and internal financial processes. He works closely with the leadership and operations teams to maintain accurate records, strengthen financial controls, and support timely, informed business decisions. With a detail-oriented and solutions-focused approach, Steve helps ensure the company’s financial operations remain organized, transparent, and aligned with its broader business objectives. His commitment to accuracy, accountability, and operational excellence supports Uptiq Premier Mortgage’s ability to deliver dependable service to its clients, partners, and lending relationships.

Jennifer Garcia, Processor / Loan Partner

Jennifer Garcia

Processor / Loan Partner

jennifer@uptiqpremiermortgage.com

I work at the intersection of mortgage lending, wealth management, and client strategy, helping clients and financial professionals evaluate financing decisions as part of a broader financial picture. At Uptiq Premier Mortgage, my work goes beyond identifying a mortgage product. I collaborate with clients, financial advisors, lending partners, and internal teams to evaluate financing strategies involving home purchases, refinances, home equity, complex income, investment properties, SBLOC, and high-net-worth borrower scenarios. What I enjoy most is problem-solving. I like digging into a situation, understanding the moving pieces, identifying what may be getting in the way, and discovering solutions that may not be immediately obvious. Whether I am working through a complex lending scenario or helping develop a new strategy or process, I am naturally drawn to figuring out how to make something work. A significant part of my focus is building stronger connections between mortgage lending and the wealth-management relationship. I work on advisor-focused initiatives designed to help financial professionals identify opportunities within their client base and bring lending, liquidity, real estate, and other financial considerations into the planning conversation. I am particularly interested in developing better systems and strategies that make financial services more coordinated, proactive, and useful to the client. My experience spans lending, client service, operations, business development, strategic partnerships, and legal administration. That combination has shaped how I approach my work: understand the full situation, ask the right questions, identify the risks and opportunities, and find a practical path forward.

Rohit Goyat, Senior Growth Manager

Rohit Goyat

Senior Growth Manager

rohit@uptiqpremiermortgage.com

Rohit Goyat is the Senior Growth Manager at UPTIQ Premier Mortgage, where he leads brand building, content strategy, creative direction, and digital communication across B2B and direct-to-consumer channels. He focuses on shaping how the UPM brand looks, sounds, and feels across every customer and partner interaction. His work extends beyond traditional content creation. Rohit develops brand systems, campaigns, landing pages, interactive tools, and digital experiences that turn complex mortgage topics into clear and engaging communication. By combining design, storytelling, and AI-assisted development through vibe coding, he can rapidly transform ideas into functional prototypes and customer-facing experiences. At UPM, Rohit works closely with growth, product, technology, sales, and operations to ensure the brand is not only visually consistent but also useful, credible, and connected to business goals. He believes a strong brand is built through every interaction, from the first social post or advertisement to the website experience and the way information is presented to borrowers and wealth advisors. His approach is to understand the audience, simplify the message, build the right experience, and continuously improve it based on how people respond. Through this combination of brand thinking, creative execution, and rapid digital development, Rohit helps UPM build a modern and recognizable presence in the mortgage industry.

Momina Khan, Operations Manager

Momina Khan

Operations Manager

momina@uptiqpremiermortgage.com

Momina serves as the Operations Manager at Uptiq Premier Mortgage, supporting the day-to-day operations and ensuring the company’s processes run efficiently and smoothly. She works closely with leadership and team members across various areas of the business, coordinating administrative operations, systems, onboarding, vendor management, and internal workflows.

Nipa Solanky, Processor

Nipa Solanky

Processor

nipa@uptiqpremiermortgage.com

Nipa Solanky is a dedicated Loan Processor at Uptiq Premier Mortgage and serves as your primary point of contact throughout the mortgage process. From coordinating initial disclosures and gathering supporting documentation to answering questions and providing timely updates, Nipa is committed to guiding you through every step of the journey. With a detail-oriented and client-first approach, she works closely with borrowers, loan officers, and lending partners to keep each loan moving efficiently toward closing. Nipa understands that the mortgage process can sometimes feel overwhelming, so she strives to make it as clear, organized, and stress-free as possible. At Uptiq Premier Mortgage, our team’s success is measured by client satisfaction. Nipa takes pride in delivering the responsive, personalized, white-glove service that helps every client feel informed, supported, and confident from application through closing.

Where We Are Licensed

State-by-state access, clearly shown.

AlaskaAlabamaArkansasArizonaCalifornia — licensedColorado — licensedConnecticut — licensedDistrict of ColumbiaDelawareFlorida — licensedGeorgia — licensedHawaiiIowaIdahoIllinois — licensedIndianaKansasKentuckyLouisiana — licensedMassachusettsMarylandMaineMichigan — licensedMinnesotaMissouriMississippiMontanaNorth Carolina — licensedNorth DakotaNebraskaNew HampshireNew Jersey — licensedNew MexicoNevadaNew YorkOhioOklahomaOregon — licensedPennsylvania — licensedRhode IslandSouth Carolina — licensedSouth DakotaTennessee — licensedTexas — licensedUtahVirginia — licensedVermontWashington — licensedWisconsinWest VirginiaWyoming
  • California
  • Colorado
  • Connecticut
  • Florida
  • Georgia
  • Illinois
  • Louisiana
  • Michigan
  • New Jersey
  • North Carolina
  • Oregon
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • Washington
Careers

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UPM professionals collaborating in a modern office

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Why UPM