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Mortgage Loan Officer

Sarah Upchurch

Mortgage Loan Officer

NMLS# 1811968

859.655.1440

Reviews on Zillow

Connect with Sarah

  • sarah.upchurch@usbank.com
  • 859.655.1440

  • 256.252.4287

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

About me

No matter where you are in the home buying process, I can help.

  • As a mortgage loan officer right here in Richmond, I work with you to help you find the right mortgage for your unique situation.
  • You probably have lots of questions. How much house can I really afford? Which type of mortgage best fits my needs? I can help you answer questions like that and I've worked with lots of people in and around Richmond with home financing needs similar to yours.

I'm proud to work for a reputable bank like U.S. Bank, and you can trust me to do what's right for you. So give me a call at 859.655.1440.

Primary location

200 E Main St
Richmond, KY 40475

Connect with Sarah

  • Email sarah.upchurch@usbank.com

  • 859.655.1440

  • 256.252.4287

  • Request a Call

    Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

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Mortgage rates

Compare rates for a variety of mortgage types.

See mortgage rates

Refinance rates

Compare rates for a variety of home refinancing options.

See refinance rates

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Estimate your total monthly mortgage payment.

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Mortgage FAQ

Get answers to common home-buying questions.

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Today's mortgage rates in Kentucky.

The mortgage rates shown below assume a few basic things, including:

  • You have very good credit (a FICO® Score of 740+) and a specific down payment amount for your loan type.1
  • Your loan is for a single-family home as your primary residence.
  • You will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with your mortgage loan officer to learn more about mortgage points.

Rates are current as of .

See rates for other states.

Compare current mortgage rates.

Conventional fixed-rate mortgages

Term Rate APR Points
30-year fixed
20-year fixed
15-year fixed
10-year fixed

Jumbo adjustable-rate mortgages

Term Rate APR Points
10-year ARM
7-year ARM
5-year ARM

FHA mortgages

Term Rate APR Points
30-year fixed - FHA

VA mortgages

Term Rate APR Points
30-year fixed - VA

Jumbo mortgages

Term Rate APR Points
30-year fixed - jumbo
20-year fixed - jumbo
15-year fixed - jumbo

Sarah Upchurch

Mortgage Loan Officer

NMLS# 1811968

859.655.1440

  • sarah.upchurch@usbank.com

  • 859.655.1440

  • 256.252.4287

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Today's refinance rates in Kentucky.

The mortgage rates shown below assume a few basic things, including:

  • You have very good credit (a FICO® Score of 740+) and a specific amount of equity for your loan type.1
  • Your loan is for a single-family home as your primary residence.
  • You will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with your mortgage loan officer to learn more about mortgage points.

Rates are current as of .

See rates for other states.

Compare current refinance rates.

Conventional fixed-rate refinance loans

Term Rate APR Points
30-year fixed
20-year fixed
15-year fixed
10-year fixed

Jumbo adjustable-rate refinance loans

Term Rate APR Points
10-year ARM
7-year ARM
5-year ARM

FHA refinance loans

Term Rate APR Points
30-year fixed - FHA

VA refinance loans

Term Rate APR Points
30-year fixed - VA

Jumbo refinance loans

Term Rate APR Points
30-year fixed - jumbo
20-year fixed - jumbo
15-year fixed - jumbo

Sarah Upchurch

Mortgage Loan Officer

NMLS# 1811968

859.655.1440

  • sarah.upchurch@usbank.com

  • 859.655.1440

  • 256.252.4287

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Mortgage calculator

Use our mortgage calculator to help you better understand your home financing options.

Sarah Upchurch

Mortgage Loan Officer

NMLS# 1811968

859.655.1440

  • sarah.upchurch@usbank.com

  • 859.655.1440

  • 256.252.4287

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Reviews

Zillow

Sarah Upchurch

Mortgage Loan Officer

NMLS# 1811968

859.655.1440

  • sarah.upchurch@usbank.com

  • 859.655.1440

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply

Mortgage FAQ

Get answers to your questions regarding home financing, refinancing and more.

FHA loans

A Federal Housing Administration (FHA) loan is a government-backed loan that’s insured by the Federal Housing Administration. FHA loans typically have lower credit and down payment requirements for qualified home buyers. For example, the minimum required down payment for an FHA loan is only 3.5% of the purchase price.

If you’ve decided a Federal Housing Administration (FHA) loan may be right for you and you meet the general qualifications, including:

  • Down payment amount – FHA loans require a minimum down payment of 3.5%.
  • Credit score – The minimum credit score needed to qualify for a mortgage is generally around 620, however, FHA loans typically have lower credit requirements.
  • Property requirements – The home must be used as your primary residence, should protect the health and safety of the residents and the safety of the property, and should not have physical deficiencies or conditions affecting its structural integrity. An FHA-approved appraiser must appraise the home.

You can start your application on your own, or with the help of your mortgage loan officer, who can work with you to see if you qualify for a FHA loan.

Federal Housing Administration (FHA) loans are available to all qualified buyers, regardless of income level. They often have more flexible lending requirements than conventional loans. All FHA loans require mortgage insurance which protects the lender against any loss if mortgage payments are missed. To learn more about how FHA loans work, speak with your mortgage loan officer.

VA loans

A Veterans Affairs (VA) loan is a home mortgage that’s backed by the Department of Veterans Affairs. To be eligible for a VA loan, you must be an active-duty service member, veteran or eligible surviving spouse. A VA home loan requires little or no money down at closing, and even with no down payment, mortgage insurance is not required.

Veterans Affairs (VA) loans are available to active-duty service members, veterans and eligible surviving spouses. A Certificate of Eligibility from the VA is required to show whether you qualify based on your service history and duty status. Your mortgage loan officer will work with you to obtain the Certificate of Eligibility and can help you better understand how VA loans work.

Veterans Affairs (VA) loans are available to active-duty service members and veterans who have served at least 90 days of consecutive service during wartime or 181 days during peacetime. National Guard members and reservists are eligible for a VA loan after six years of service or 181 days of active-duty service. Eligible surviving spouses may also qualify. For more information on how to apply for a VA home loan, contact your mortgage loan officer.

There are several ways active-duty service members, veterans and eligible surviving spouses can take advantage of a Veterans Affairs (VA) loan more than once. Here are some ways you may be eligible for another VA loan:

  • Purchase a home with a VA loan and then sell it to buy another home with a new VA loan.
  • Refinance an existing VA loan into another.
  • Have two VA loans for two different homes at the same time.

For more information on VA loans, speak with your mortgage loan officer.

Conventional fixed-rate loans

A fixed-rate loan is one of the most common types of home loans. Benefits include a consistent rate, predictable monthly principal and interest payments and a flexible down payment. If you have good credit and a low debt-to-income ratio (the ratio of total monthly debt payments – not including utilities, cell phone or cable service – compared to gross monthly income), a conventional fixed-rate loan may be a good option for you.

A fixed-rate loan is a type of loan that comes with an interest rate that won't change for the life of the loan. Check out today’s rates for a conventional fixed-rate loan or compare mortgage rates for a variety of loan options. Connect with your mortgage loan officer to learn more about how fixed-rate loans work.

Monthly principal and interest payments on a conventional fixed-rate mortgage remain the same for the life of the loan, making it an attractive option for those who plan to stay in their home for several years. With an adjustable-rate mortgage (ARM) the interest rate may change periodically, based on a pre-determined index, for example the U.S. Treasury, and margin set by the bank. The initial interest rate is fixed for a set period, typically three to 10 years depending on the loan product, and then becomes variable. An increase or decrease depends on the market conditions at the time of the conversion to the variable rate and during the adjustment period thereafter. This may be a good option for those who plan on moving within a few years. Consider the benefits of each to determine which makes the most sense for your situation.

Jumbo loans

A jumbo loan is a non-conforming loan for single-family homes with loan amounts greater than $647,200. In certain high cost areas, such as Alaska and Hawaii, the conforming limit is up to $970,800. To qualify for a jumbo mortgage loan, you must meet the established guidelines for credit score, income and other personal financial information.

Jumbo loans are mortgages that exceed conforming loan limits. The limit on conforming loans is $647,200 in most areas of the country, but jumbo mortgages can exceed these limits. The limit can be as high as $970,800 in certain high cost areas, including Alaska and Hawaii.

A VA jumbo loan is a Veterans Affairs (VA) loan that exceeds the conforming loan limit of $647,200 and up to $970,800 in high-cost areas such as Alaska and Hawaii. If you’re an active-duty service member, veteran or eligible surviving spouse, and you meet the income and credit requirements, a VA jumbo loan could be an option for you.

ARM loans

An adjustable-rate mortgage (ARM) is a home loan with an interest rate that adjusts throughout the life of the loan based on the market. The initial set rate period is typically three to 10 years. After the introductory rate term expires, the estimated payment and rate may change. An increase or decrease depends on the market conditions at the time of the conversion to the variable rate and during the adjustment period thereafter. An ARM loan could be a good option if you plan to sell within a few years.

With an adjustable-rate mortgage (ARM) loan the initial interest rate is fixed for a set period and then becomes variable, adjusting every year for the remaining life of the loan. For example, a 10/1 ARM has a fixed rate for the first 10 years and an adjustable rate for the remaining duration of the loan. To learn more about how ARM loans work, connect with your mortgage loan officer.

Yes, as with most any existing mortgage loans, an existing ARM loan can be refinanced upon credit approval. There are several potential benefits to refinancing a mortgage , such as changing terms, lowering monthly payments, getting access to cash for major purchases and reducing your interest rate. Your mortgage loan officer can help you find the right choice for your needs.

Sarah Upchurch

Mortgage Loan Officer

NMLS# 1811968

859.655.1440

  • sarah.upchurch@usbank.com

  • 859.655.1440

  • 256.252.4287

  • Connect when it's convenient for you. Request a call.

Ready to apply? Start your application.

Apply
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Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice. Mortgage, home equity and credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC. Equal Housing Lender

Calculators are provided by Leadfusion. This calculator is being provided for educational purposes only. The results are estimates that are based on information you provided and may not reflect U.S. Bank product terms. The information cannot be used by U.S. Bank to determine a customer's eligibility for a specific product or service. All financial calculators are provided by the third-party Leadfusion and are not associated, controlled by or under the control of U.S. Bank, its affiliates or subsidiaries. U.S. Bank is not responsible for the content, results, or the accuracy of information.

1. The rates above assume you have a down payment, or equity, of at least 25% for a conventional fixed-rate loan, an adjustable-rate mortgage (ARM) loan or a jumbo loan, at least 3.5% for an FHA loan and 0% for a VA loan.

Conforming fixed-rate estimated monthly payment and APR example: A $464,000 loan amount with a 30-year term at an interest rate of 6.5% with a down-payment, or borrower equity of 25% and no discount points purchased would result in an estimated principal and interest monthly payment of $2,933 over the full term of the loan with an Annual Percentage Rate (APR) of 6.667%.

Estimated monthly payment and APR calculation are based on a down-payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the base loan amount. If the down payment, or borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

ARM estimated monthly payment and APR example: A $464,000 loan amount with a 30-year term at an interest rate of 5.5% with a down payment, or borrower equity of 25% and no discount points purchased would result in an initial estimated monthly payment of $2,635 with an Annual Percentage Rate (APR) of 6.345%.

Estimated monthly payment and APR calculation are based a fixed-rate period of 5 years that could change in interest rate each subsequent year for the next 25 years of the loan term, a down-payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. After the 5-year introductory period: the APR is variable and is based upon an index plus a margin. The APR will vary with a predetermined index as published in the Wall Street Journal. If the down payment, or borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums. Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment.

FHA estimated monthly payment and APR example: A $265,375 base loan amount with a 30-year term at an interest rate of 6.250% with a down payment, or borrower equity of 3.5% and no discount points purchased would result in an estimated principal and interest monthly payment of $1,663 over the full term of the loan with an Annual Percentage Rate (APR) of 7.478%.

Estimated monthly payment and APR calculation are based on a down payment, or borrower equity of 3.5% and borrower-paid finance charges of 0.862% of the base loan amount. Estimated monthly payment and APR assumes that the upfront mortgage insurance premium of $4,644 is financed into the loan amount. The estimated monthly payment shown here does not include the FHA-required monthly mortgage insurance premium, taxes and insurance premiums, and the actual payment obligation will be greater.

VA estimated monthly payment and APR example: A $264,000 base loan amount with a 30-year term at an interest rate of 6.250% with no down payment, or borrower equity and no discount points purchased would result in an estimated monthly payment of $1,663 with an Annual Percentage Rate (APR) of 6.663%.

Estimated monthly payment and APR calculation are based on a down payment, or borrower equity of 0% and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. Estimated monthly payment and APR assumes that the VA funding fee of $6,072 is financed into the loan amount. Estimated monthly payment does not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.

Jumbo estimated monthly payment and APR example: A $940,000 loan amount with a 30-year term at an interest rate of 5.625% with a down payment, or borrower equity of 25% and no discount points purchased would result in an estimated monthly payment of $5,411 with an Annual Percentage Rate (APR) of 5.784%.

Estimated monthly payment and APR calculation are based on a down payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the base loan amount. If the down payment, or borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

The rates shown above are the current rates for a single-family primary residence based on a 45-day lock period. These rates are not guaranteed and are subject to change. This is not a credit decision or a commitment to lend. Your final rate will depend on various factors including loan product, loan size, credit profile, property value, geographic location, occupancy and other factors.

To lock a rate, you must submit an application to U.S. Bank and receive confirmation from a mortgage loan officer that your rate is locked. Application can be made by starting it online or by meeting with a mortgage loan officer.

Minnesota properties: To guarantee a rate, you must receive written confirmation as required by Minnesota Statute 47.206. This statement of current loan terms and conditions is not an offer to enter into an interest rate or discount point agreement. Any such offer may be made only pursuant to subdivisions 3 and 4 of Minnesota Statutes Section 47.206.

Conforming Fixed-Rate Loans - APR calculation assumes a $464,000 loan with a down payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment, or borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Conforming rates are for loan amounts not exceeding $647,200 ($970,800 in AK and HI).

ARM Loans - Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment. APR calculation assumes a $725,000 loan with a down payment, or borrower equity of 25% and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment, or borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Non-conforming rates are for loan amounts exceeding $647,200 ($970,800 in AK and HI).

Jumbo Loans - Annual Percentage Rate (APR) calculation assumes a $940,000 loan with a 20% down payment or borrower equity and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment, borrower equity is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Jumbo rates are for loan amounts exceeding $647,200 ($970,800 in Alaska and Hawaii).

FHA Loans - Annual Percentage Rate (APR) calculation assumes a $270,019 loan ($265,375 base amount plus $4,644 upfront mortgage insurance premium) with a 3.5% down payment, or borrower equity, monthly mortgage insurance premium of $191.30, and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable.

VA Loans - Annual Percentage Rate (APR) calculation assumes a $270,072 loan ($264,000 base amount plus $6,072 VA Funding Fee for first time use) with no down payment, or borrower equity and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable.

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