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.
Dan was fantastic. His patience and competence were present throughout the whole process.
By: Daphne M
Kraig has been our go to guy for our mortgage twice now and we are so satisfied. Even amidst the COVID and Quarantine challenges we still closed with a rate we were very pleased with and a monthly payment that meets our financial goals. He is great at listening to our financial goals and makes sound recommendations based on the long term perspective. The online comparison tool is also very helpful to giving us knowledge about how our decisions will impact the bottom line.
By: Michelle J
Trudy is very thoughtful, thorough and gives great advice. I appreciate her willingness to help even if I reached out after regular business hours. This was my 3rd mortgage transaction with her and I'm sure there will be a 4th.
By: Jacob T
Dan communicated very well and clearly. Answered the few questions we had and gave us good options and moved things along at a good pace at a time I'm sure was extremely busy for him. Great job!
By: Jason M
Michaela and Adriana were great to work with. Guided you through the refinance process and were always prompt and professional in their replies. Highly recommended.
By: Joseph D
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.