Real Estate Done

The Right Way!

Refinance a Home!

Real Estate Done The Right Way!

Refinance a Home!

$350 M

in loans funded to date

10 - DAY

average closing

100%

customer satisfaction

Top Rated Mortgage Company In California

If you have mortgage related questions, we have the answers

About Ray Upchurch

Ray Upchurch is a Real estate Broker and  Mortgage Consultant focusing on providing expert knowledge of mortgage loans and Real Estate sales with exceptional customer service. Ray believes that personalized service is essential when matching homeowners with the proper loan product.

Over the past 15+ 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.

Let's Find Your Dream Home!

If you have mortgage related questions, we have the answers

Specializing in California Loans

Ray Upchurch is your premier mortgage loan officer located in Roseville, California. He prides himself on offering some of the most competitive rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in California.

Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, Ray can help you take that first step toward a financial solution.


Home Buying FAQs


FHA LOANS
DSCR LOANS

WHAT OUR CLIENTS ARE SAYING

DON'T JUST TAKE OUR WORD FOR IT

"Ray Upchurch was incredibly helpful. He provided excellent guidance and was always available to answer our questions. His expertise and support were invaluable to us. We highly recommend him to anyone seeking assistance in this area."

-LJ M.

"Mr. Ray Upchurch is upstanding, professional and the person to have take care of your personal loan business. Ray is very passionate and knowledgeable in his career. He is beyond patient especially with us older folks! I highly recommend him! Thank You Ray for all you do for so many of us!"

- Charlene W.