Business Details
Your Trusted Mortgage Partner in Brentwood, TN
At Churchill Mortgage, we are dedicated to empowering individuals and families to achieve their dream of homeownership through personalized mortgage solutions. With a legacy of excellence, we offer a wide range of loan programs tailored to meet diverse financial needs, including conventional, FHA, VA, and no-score loans. Our team of seasoned professionals is committed to providing transparent guidance, ensuring clients understand every step of the mortgage process. We prioritize customer satisfaction by delivering competitive rates, innovative tools like our Home Buyer Edge program, and exceptional service.Backed by a $10,000 Seller Guarantee, we strive to make the homebuying experience seamless and stress-free. Our focus on education, through resources like mortgage calculators and free starter kits, underscores our commitment to informed decision-making. As a trusted partner, we combine industry expertise with a client-centric approach to help you build wealth through homeownership.
Services
Conventional Loans
FHA Loans
VA Loans
No Score Loans
Jumbo Loans
USDA Loans
Refinance Options
Loan Servicing
Home Buyer Edge Program
Mortgage Calculators
Highlights and features
- Served over 100,000 happy homeowners with a 4.9/5 rating
- Offer a $10,000 Seller Guarantee for competitive offers
- Provide Certified Home Buyer Program with upfront underwriting
- Available 24/7 for customer support via phone and online tools
- Offer a variety of loan programs including FHA, VA, and Conventional
Associations and certifications
- Equal Housing Lender
What people say
Top-rated lender
Happy homeowners
Seller guarantee
Certified program
Competitive rates
Services
Conventional Loans
Conventional loans are ideal for borrowers with strong credit seeking flexible terms. These fixed-rate mortgages require a minimum 3% down payment and offer lower costs compared to government-backed loans. Churchills experts help clients navigate eligibility criteria, including credit scores above 620 and debt-to-income ratios under 50%, ensuring competitive rates and long-term savings.
FHA Loans
FHA loans cater to first-time buyers with lower credit scores or limited savings. Churchill provides FHA financing with 3.5% down payments and lenient qualification standards. Our team guides clients through mortgage insurance premiums and down payment assistance programs, making homeownership accessible while ensuring compliance with federal guidelines.
VA Loans
VA loans offer 100% financing for eligible veterans and service members. Churchill specializes in processing these loans with no down payment requirements and reduced closing costs. Our specialists ensure clients understand eligibility criteria tied to military service, including documentation of discharge status and Certificate of Eligibility submission.
No Score Loans
No-score loans assist debt-free borrowers without traditional credit histories. Churchills manual underwriting process evaluates alternative payment records, such as rent and utilities. This program requires 12 months of documented housing payments, enabling clients to secure financing based on financial responsibility rather than credit scores.
Refinance Options
Churchills refinance programs help homeowners reduce payments, eliminate PMI, or shorten loan terms. Options include rate-and-term refinancing and cash-out refinancing for home improvements. Our advisors analyze current equity, credit profiles, and market rates to recommend strategies that align with clients financial goals, ensuring transparency in closing costs and long-term benefits.
Questions
What mortgage loan programs does Churchill Mortgage offer?
Churchill offers conventional, FHA, VA, USDA, jumbo, and no-score loans, along with refinance options tailored to diverse financial needs.
How can I get pre-approved for a mortgage?
Apply online or contact a loan specialist to submit financial documents for review, including income verification and credit history.
What is the Home Buyer Edge program?
A program offering a $10,000 seller guarantee and pre-approval with upfront underwriting to strengthen your home offer.
Can I refinance my current mortgage with Churchill?
Yes, Churchill provides refinancing options to lower payments, remove PMI, or adjust loan terms for long-term savings.
Are there resources for first-time homebuyers?
Yes, Churchill offers free guides, mortgage calculators, and the Certified Home Buyer program to educate and assist first-time buyers.
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