# UpEquity

> UpEquity is an Austin, Texas based, veteran-owned proptech mortgage lender and title
> company founded in 2019. Its "Buy Before You Sell" / Trade Up program advances the equity
> trapped in a homeowner's existing house so they can make a non-contingent, effectively
> all-cash offer on a new home, move once, and sell the old home afterward — with UpEquity
> making a backup offer on the departing residence. It also operates UpEquity Title and
> originates mortgages directly under NMLS #2101265.

Generated: 2026-09-02
Method: generated (from apis.yml and the artifacts in this repository; UpEquity does not
publish an llms.txt of its own — https://www.upequity.com/llms.txt returned HTTP 404 on
2026-09-02).
Source: https://raw.githubusercontent.com/api-evangelist/upequity/refs/heads/main/apis.yml
Maintained by: API Evangelist (https://apievangelist.com) — this is an independent
third-party profile, not a document published by UpEquity.

## API surface

UpEquity has no public API. This is a measured finding, not an omission. On 2026-09-02
contract discovery probed, on every host UpEquity controls:

- `/openapi.json`, `/openapi.yaml`, `/swagger.json`, `/api-docs`, `/graphql` — all HTTP 404
- the full `/.well-known/` path list (`security.txt`, `openid-configuration`,
  `oauth-authorization-server`, `api-catalog`, `ai-plugin.json`, `agent-card.json`,
  `agent.json`) — all HTTP 404, every body the HubSpot CMS not-found page
- `api.upequity.com`, `docs.upequity.com`, `developers.upequity.com`,
  `developer.upequity.com`, `app.upequity.com`, `portal.upequity.com`,
  `title.upequity.com` — none resolve in DNS

There is no developer portal, no API reference, no getting-started guide, no SDK on npm,
PyPI, RubyGems or any other registry, no CLI, no MCP server, and no A2A agent card.
The `upequity` GitHub organization (https://github.com/upequity) is verified and real but
holds only two public repositories, both forks of unrelated third-party projects
(`serverless-website`, `google-docs-mustaches`), last touched in 2021 and 2022.

Distribution is through real-estate agents and loan officers, not a developer channel.
Partner integration is a form and a conversation: https://www.upequity.com/partner-with-upequity

## Products

- [Buy Before You Sell / Trade Up](https://www.upequity.com/buy-before-you-sell): equity
  advance plus a backup offer on the departing residence, so a client can buy first and sell
  after. No fee schedule is published; the program is apply-only.
- [UpEquity Title](https://www.upequity.com/title): title services.
- Direct mortgage origination, NMLS #2101265.

## Eligibility

- Property within 30 miles of a Metropolitan Statistical Area
- Single-family (1-4 units), PUD or condominium meeting Fannie Mae / Freddie Mac standards
- C4 condition rating or above, minimal repairs
- Inspection required
- Available only in the states UpEquity is licensed in
- [Eligibility](https://www.upequity.com/eligibility)

## Company

- [Website](https://www.upequity.com/)
- [Contact](https://www.upequity.com/contact-us) — 1145 West 5th St., Austin, TX 78701, (512) 580-7600
- [Licensing disclosures](https://www.upequity.com/licensing) — NMLS #2101265, Equal Housing
  Lender, licensed in AZ, CA, CO, FL, GA, ID, IL, KY, LA, MI, NC, OH, OR, SC, TN, TX and others
- [Privacy policy](https://www.upequity.com/privacy-policy)
- [Client login](https://www.upequity.com/login)
- [Resource library](https://www.upequity.com/trade-up-resources)
- [Reviews](https://www.upequity.com/reviews)
- [GitHub organization](https://github.com/upequity)

## Domain security posture (probed 2026-09-02)

- www.upequity.com: HTTPS TLSv1.3, HSTS max-age 31536000
- upequity.com: DNSSEC enabled; CAA restricts issuance to Let's Encrypt, DigiCert and
  GoDaddy; SPF present; DMARC present with policy `quarantine`
- No security.txt, no published vulnerability disclosure policy, no trust center

## Artifacts in this profile

- apis.yml — the APIs.json profile
- well-known/upequity-well-known.yml — the /.well-known/ probe record (all 404)
- security/upequity-domain-security.yml — TLS/HSTS/DNSSEC/CAA/SPF/DMARC probe
- plans/upequity-plans-pricing.yml — no published plans (plan_count 0)
- rate-limits/upequity-rate-limits.yml — not applicable, no API (limit_count 0)
- llms/upequity-llms.txt — this file