With Ray Upchurch Mortgage & Real Estate Broker, the loan approval process has never been as easy. We offer a variety of secure and convenient application options:

Start Application
  • Call us at (916) 544-3229
    • We will gladly take your application over the phone and assist you with any questions you may have.
  • Download Application
    • Download this FREE application now and simply mail it, fax it, or bring it to the office.
  • Documents needed
    • Copies of pay stubs for each applicant, reflecting a minimum of 30 days of income
    • Names/addresses of employers for two years
    • W-2s for two years
    • One to two years of tax returns
    • A completed and signed Form 4506-T or 4506T-EZ, provided by your Mortgage Banker
    • Bank statements for two to three months
    • If self-employed, year-to-date profit and loss statement, plus signed returns for last two years
    • Proof of pension income, if applicable
    • Social Security and Disability payments, if applicable
    • Dividend earnings
    • Child support or alimony payments (optional for you to disclose)
    • Bonuses
    • A copy of earnest money deposit
    • Information on debts such as car loans, student loans and credit cards
    • Security accounts (stocks, bonds, life insurance)