Churchill Mortgage Corporation
Churchill Mortgage Corporation is a mortgage banker with a vast array of mortgage options available to meet your individual needs. Our goal is to provide unsurpassed quality service and support throughout the entire mortgage process. Our experienced mortgage professionals are dedicated to leading the way to a positive and successful home loan experience. Through our commitment to high quality customer service and quick and careful action, we have created clients for life.
Everyone was supportive during the whole process. Which made it less complicated and stressful. Especially now when Covid is making everything more stressful.
By: Julia L
Michaela and Adriana were so helpful throughout the whole process and always easily accessible! I enjoyed working with them both and greatly appreciate all their patience and help.
By: Jonathon H
Troy was knowledgeable and upfront with what the process would be and gave an accurate estimate of the cost.
The only issue I had was that someone on the team changed the my home owners insurance to Churchill mortgage right after I applied for the loan (and had not even decided to move forward with the loan), which caused my current lender to have a few issues. Fortunately, escrow closed before there was a big problem.
By: Jerry M
Troy and his team explained things thoroughly and had great communication throughout the entire process. It was a smooth process and we highly suggest Troy and his team at Churchill mortgage! 😊
By: Carla K
What made my experience great was Sabrina and the team was easy to work with. Sabrina answered all my questions and was willing to work with me every step of the way. Obviously saving money makes it great as well. Thank you again Sabrina and everyone else at church hill
By: Shane O
Churchill Mortgage Corporation, an employee-owned mortgage lender, was founded in 1992. Its headquarters are in Tennessee. In 2015, the lender’s mortgage volume totaled approximately $1.28 billion.
Churchill Mortgage offers loans for the purchase of homes and investment properties, as well as refinancing options.
Churchill Mortgage currently services 45 states and Washington D.C.:
People residing in states that Churchill Mortgage does not service can still contact the lender to be connected with a partner who can help them get approved for a home loan.
The lender offers various communication methods for homebuyers interested in its mortgage products. Buyers have the options to email, call a branch directly, call the customer service number to be connected with a local branch or a branch that is serving multiple states if there isn’t one in the area, or chat online via the Churchill website. There is also the option to complete an online form to request a call from a loan specialist.
Churchill offers a digital loan process through which homebuyers can access a loan application online or by using the mobile app. They can also apply in person or over the phone. Residents of Delaware, Hawaii, Maine, Nevada, New Hampshire, New York, Utah and Vermont do not have the option to complete the application online, so they are directed to contact a home loan specialist.
The minimum credit score accepted for Churchill’s home loans depends on the mortgage product, but it’s 620 for conventional loans, according to a company representative. Homebuyers who have lower scores can apply for an FHA or VA loan, both of which have more-flexible credit score requirements. The lender also offers a no-score loan for borrowers who have no credit history.
For some loans with Churchill Mortgage, borrowers will find that loans may be manually unwritten, meaning an underwriter will review the application, documentation, credit report, property type manually, foregoing the automated system, to determine if the buyer can be approved for a loan.
Churchill Mortgage lends to buyers planning to purchase the following type of properties:
Churchill mortgage does not lend to borrowers planning to purchase the following type of properties:
Non-traditional credit/no-score loan: This is a home loan designed for buyers with no credit who do not qualify for a traditional loan. By providing proof of a positive payment history for at least four alternative credit accounts, such as a utility bill, insurance, rent or mobile phone bill, buyers can have their documentation reviewed by an underwriter who will manually assess any risks and potentially approve them for a home loan.
Editorial Note: Parts of this article were reviewed by a lender to ensure accuracy prior to publication. The overall conclusions, recommendations and opinions are the author’s alone.
The information in this article is accurate as of the date of publishing.