🏆 Top Loan Officer · Bay Area, CA

Your Home.
Your Best Deal.
My Mission.

I'm Ujwol Shrestha — a Loan Officer dedicated to helping Bay Area buyers, homeowners, and real estate partners navigate the mortgage process with clarity, confidence, and the right numbers.

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7+
Free Calculator Tools
100%
Transparency First
$0
Cost to Get Pre-Approved
24hr
Response Commitment
About Me

Built on Transparency.
Driven by Results.


I'm Ujwol Shrestha, a Loan Officer based in San Jose, California, committed to making one of life's biggest financial decisions feel simple, clear, and empowering — not overwhelming.

Backed by deep industry knowledge and a passion for building real tools that give clients a genuine edge, I specialize in first-time home buyers, Bay Area market purchases, and helping real estate partners deliver cleaner, stronger offers.

My approach is simple: I give you the real numbers upfront — payment breakdowns, income requirements, DTI ratios — so you walk into every conversation and every offer fully armed with facts.

  • Home Purchase Loans
  • FHA & Conventional
  • Mortgage Refinancing
  • First-Time Buyers
  • Investment Properties
  • VA & USDA Loans
  • Jumbo Loans
  • Realtor Partnerships
Ujwol Shrestha - Loan Officer
📍 San Jose, CA
NMLS #2557261
Why Choose Me

The Ujwol Difference

Three things I bring to every transaction that set the experience apart.

🛠️

Real-Time Digital Tools

I built a full suite of free interactive mortgage calculators — from affordability to early payoff — so clients and partners always have the real numbers at their fingertips, before they even call me.

🤝

Realtor-Ready Partnerships

I work closely alongside agents to pre-qualify buyers faster, generate shareable infographic payment summaries, and ensure every offer is backed by solid financial groundwork.

💡

Transparent Communication

No surprises. No runaround. From the first DTI check to closing day, I walk alongside you with clear, honest guidance and same-day communication — always.

Free Mortgage Tools

My Mortgage Resource Suite

Interactive calculators engineered to give buyers, homeowners, and realtors real answers — instantly.

🏡

Home Affordability

Reverse-engineers your maximum purchase price directly from your income, debts, and down payment.

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📊

Monthly Payment

Deep PITI breakdown — principal, interest, taxes, insurance, PMI and HOA all factored in live.

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💰

Income Requirement

Calculate the exact gross monthly and annual income needed to qualify for any target home price.

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🔄

Refinance Optimizer

Compare current vs. new target rate, calculate monthly savings, and find your exact break-even point.

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⚖️

Rent vs. Buy

Model the real wealth gap between renting and owning using appreciation and equity projections.

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⏱️

Buy Now vs. Wait

Expose the true cost of waiting — compounding price appreciation and rate shifts visualized clearly.

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⚡

Early Payoff Planner

Interactive slider shows how extra monthly payments slash years off your term and save thousands in interest.

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Google Reviews · 5.0 ★

What Clients Are Saying

Real words from real clients — verified on Google.


5.0 ★★★★★ on Google
View all reviews →
★★★★★

Ujwol was incredibly professional and knowledgeable throughout the entire process. He explained everything clearly and made sure we got the best rate possible. Highly recommend him to anyone looking for a loan officer who truly cares!

SR
Sanjay R.
Verified Google Review · San Jose, CA
★★★★★

Working with Ujwol was a fantastic experience. He was always available to answer questions, guided us step by step, and secured us an amazing rate. We closed smoothly and on time. Will definitely work with him again!

ML
Michelle L.
Verified Google Review · Fremont, CA
★★★★★

Ujwol's digital tools made a huge difference — I could see my exact payment breakdown before we even spoke. He's transparent, fast, and gets results. Our first home purchase was smooth because of him.

AP
Arun & Priya M.
Verified Google Review · Santa Clara, CA

Ready to Know Your Deal?

Start your pre-approval today — it's fast, free, and gives you a concrete edge in any market.

✅ Get Pre-Approved Now 📞 (510) 359-3365