Top Rated Mortgage Company In California

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.

How much do you qualify for?

No Obligation. No Credit Check.

$350 M

in loans funded to date

10-DAY

average closing

100%

customer satisfaction rate

Loan Programs

We can help you make a purchase, lower your payment, take cash out, or consolidate debt.

FHA Loans

VA Loans

Conventional Loans

Home Refinance Loans

Jumbo Home Loans

Home Purchase Loans

ray Upchurch photo.jpg

About Us

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.

Quick Custom Quotes & Streamlined Loan Experience

Experience fast, personalized quotes and a fully streamlined online loan application and approval process.

HOMEBUYERS

Whether you are a first time home buyer or purchasing your dream home, Our team will help you find the right financing solutions to meet your needs.

TODAY'S RATES

Mortgage rates can change on daily basis. Our team specializes in market trends and help homeowners to determine the right time to purchase or refinance.

REFINANCE

We can help you lower your interest rate, lower your monthly payment, or take cash out. Our team is here to help you with all of your mortgage refinancing needs.

5 Star Review

Our clients are the foundation of our success

5 Star Client Reviews

greg-1

Greg Manning

"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. ."