Real Estate Done The Right Way!

Call Us: 916-544-3229

Email Us: info@rayupchurch.com

Ray Upchurch is a knowledgeable and honest loan officer. I trusted him to help my mother with her mortgage loan and Ray was extremely responsive and handled my mother's loan with the utmost integrity. I would recommend Ray for any of your real estate needs.
LeVar Burton
About Us

Ray Upchurch is a Mortgage Consultant focusing on providing expert knowledge of mortgage loans and exceptional customer service. Ray believes that personalized service is essential when matching homeowners with the proper loan product. Over the past 10+ years, Ray has made a name for himself as a strategic thinker and has been consistently delivering industry leading results by taking on complex transactions and getting them closed with the lowest possible interest rates

Loan Program Options

FHA Home Loan

FHA home loans are
mortgages which are
insured by the Federal
Housing Administration
(FHA), allowing
borrowers to get low
mortgage rates with a
minimal down payment.

loan

VA Loans

VA loans are mortgages
guaranteed by the
Department of Veteran
Affairs. These loans offer
military veterans
exceptional benefits,
including low interest
rates and no ...

property-agreement

USDA Loans

If you're looking to buy a
home in a rural or
suburban area with no
down payment and
minimal investment, you
might consider the USDA
Rural Development Loan.


Jumbo Loans

FHA home loans are
A jumbo loan is a
mortgage used to
finance properties that
are too expensive for a
conventional conforming
loan. The maximum
amount for a conforming
loan is $548,250 in...

We're here to help!

I am excited to make your Home Loan process as simple and stress free as possible. To start, please complete this Application as thoroughly as you can. This will give us the information we need to select the best product and get your loan closed quickly. I will be in touch shortly after the application is completed. Thank you! Ray Upchurch

Mortgage calculator

Ray Upchurch was instrumental in finding the best deal for me to own a house. He took the time to educate me about different mortgage options and down payment plans. I felt empowered to make good decisions regarding interest rates and points so I purchased a house in 2022. Ray also referred me to an amazing colleague of his who handled the purchasing process here in Nevada. I can wholeheartedly recommend Ray’s services as your mortgage broker. .
Greg Manning
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