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.
Bridget answered ask our questions and was extremely patient with us, even though we changed our minds several times. We highly recommend working with Bridget!
By: luis M
Kristina was very helpful, patient, and always made sure I knew what was going on as we went through the process.
By: Helen N
Ronald was very helpful and made the entire mortgage process simple. His communication was thorough and often. If I had any additional questions he immediately responded to my calls and emails.
Great service I highly recommend working with Ron !
By: Jason B
Heather was extremely helpful and always responded quickly to questions.
By: Carl S
Communication with those involved was poor. Our original closing date had to be postponed. The paperwork that needed to be signed three days prior to closing had not been sent.
We were told that our home insurance needed to be paid prior to closing. The home insurance was added to our loan by the closing agent. We later received a check for that money. We felt that there was little communication with the closing company.
That said the experience was less than good.
By: Bob P
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.