Business Details
Your Trusted Mortgage Lender in Brentwood, TN
At Churchill Mortgage, we operate with a distinct mission: to prioritize the needs of our clients above all else. With over three decades of experience, we have served 17,000 families annually across 48 U.S. states, empowering homeownership through tailored financial solutions. Our approach combines personalized service with innovative programs like the Certified Home Buyer initiative, which grants a $10,000 Seller Guarantee, and the Rate Secured program, which locks in competitive interest rates.We emphasize transparency, offering tools such as Homeownership Strategy Plans to clarify costs and timelines. Our commitment to financial education and long-term client relationships has earned us recognition as a trusted leader in the mortgage industry, serving over 100,000 satisfied homeowners.
Services
Conventional Loans
FHA Loans
VA Loans
No Score Loans
Refinance Programs
Home Buyer Edge
Rate Secured Program
Cash-Out Refinance
Temporary Buydowns
Investor Loans
Highlights and features
- We offer a Certified Home Buyer Program with a $10,000 Seller Guarantee.
- Our Rate Secured program locks in competitive interest rates for 90 days.
- We provide transparent closing cost estimates and ongoing financial guidance.
- Our team has over 30 years of experience serving 48 U.S. states.
- We specialize in no-score and low-down-payment loan options for diverse credit profiles.
Associations and certifications
- Equal Housing Lender
What people say
Top-rated lender
Happy homeowners
Expert service
Competitive rates
Personalized support
Services
Conventional Loans
Conventional loans cater to buyers with strong credit histories, offering fixed rates and flexible down payment options. These loans require a minimum credit score of 620 and debt-to-income ratios under 50%. Borrowers can avoid private mortgage insurance with 20% down payments, while first-time buyers may qualify with 3% down. Churchill Mortgage provides tailored conventional loan terms to suit varying financial goals.
FHA Loans
FHA loans assist buyers with lower credit scores or limited savings, requiring only 3.5% down. These government-insured loans feature competitive rates and lenient qualification criteria. Churchill Mortgage guides clients through FHA program specifics, including mortgage insurance premiums and eligibility requirements for primary residences.
VA Loans
VA loans provide 100% financing for eligible veterans and active-duty personnel, with no down payment required. Churchill Mortgage specializes in VA loan benefits, including funding fee exemptions for certain borrowers and streamlined refinancing options. Our team ensures veterans receive the full advantages of this earned benefit.
No Score Loans
No score loans serve debt-free individuals without traditional credit histories, using alternative payment records for approval. Churchill Mortgages manual underwriting process evaluates housing, utility, or rental payments to qualify applicants. This program enables credit-invisible borrowers to secure home financing without penalty.
Refinance Programs
Refinance options help homeowners reduce monthly payments, eliminate mortgage insurance, or access equity. Churchill Mortgage offers rate-and-term refinancing, cash-out solutions, and specialized programs like RefiNow for income-qualified borrowers. Our advisors analyze current loan terms to optimize long-term savings.
Questions
What down payment is required for a conventional loan?
Conventional loans require 3% down for first-time buyers and 5-20% for others. Higher down payments reduce or eliminate private mortgage insurance costs.
Can I qualify for a mortgage without a credit score?
Yes. Churchill’s No Score Loan program uses alternative payment histories, such as rent or utilities, to assess eligibility for credit-invisible borrowers.
How do FHA loans differ from VA loans?
FHA loans require 3.5% down and suit first-time buyers, while VA loans offer 100% financing exclusively for veterans and active-duty military personnel.
What is the Certified Home Buyer Program?
This program grants a $10,000 Seller Guarantee and pre-underwritten approval, strengthening offers in competitive markets by proving buyer readiness.
Can I refinance to remove mortgage insurance?
Yes. Refinancing may eliminate private mortgage insurance if your home equity reaches 20%, lowering monthly payments and total loan costs.
What documents are needed for mortgage approval?
Required documents include income verification (tax returns, pay stubs), asset statements, ID, and property details. Churchill provides personalized checklists for each loan type.
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