Mortgage & Home Refinancing Mortgage & Home Refinancing

Our friends at Churchill Mortgage are committed to making sure you're on the right path to homeownership.

How It Works

- 1 -
Tell us what you're looking for.

- 2 -
Connect with your home loan specialist to get preapproved.

- 3 -
Shop for your dream home with confidence.

Why Churchill Mortgage?

Churchill is our trusted refinance provider in your area. They treat your home like your most important asset (because it sure is the most expensive).

Get a Loan With No Credit Score

If you’ve crushed debt like an old soda can and no longer have a credit score, you have the option of a No Score Loan where you can:

  • Refinance your mortgage with a credit score of zero—meaning you’ve paid off all your debt!
  • Walk through a manual underwriting process with your loan specialist.
  • Drop to a 15-year fixed-rate mortgage—or lower!—to pay off your home faster.
Protect Your Finances | Connect with a refinance company who cares about your finances.
Secure Great Rates | Connect with a specialist that will help you lock the best rate for your home refinance.

Secure Great Rates

Work with your Churchill home loan specialist to lock your rate

  • You want the lowest rate. Your loan specialist will advise you on the best time to lock it in. 
  • Once you lock your rate, you keep it for 30 days (and re-lock if you need more time). 
  • Your specialist will walk you through your options, so you’re empowered to find the right loan at the right time. 
Ramsey Trusted
Best Refinance Mortgage Company | Dave Ramsey Refinance
RamseyTrusted Provider Churchill Mortgage RamseyTrusted Mortgage Loan Provider

That’s right—RamseyTrusted. And it’s a big deal. It means that Churchill Mortgage is the only refinance provider trusted by real estate expert Dave Ramsey and the Ramsey team. Why? Churchill Mortgage has faithfully served our fans for over two decades and is there to do what's right for you. Seriously, we’d send our moms to them (and most of us have).

I found Churchill Mortgage through Ramsey Solutions. I was able to consolidate consumer debt and refinance, and I will have my house paid off when I am eligible to retire! This is making retirement possible and giving me peace of mind. I'm so grateful for the professionalism and honesty I encountered in all my dealings with Churchill.

Kelli M.

Churchill Mortgage made the whole refinancing process very easy. Everyone responded quickly to emails and did their job efficiently. I used Churchill because Dave Ramsey recommends them, and they definitely lived up to the recommendation!

John S.

I originally heard about Churchill Mortgage from The Ramsey Show and Churchill has not disappointed. This is now the second refinance that I have done with Churchill and they are a joy to work with.

Stephen J.

I have used Churchill Mortgage in the past and will continue to use them if I ever buy or refinance again. The staff at Churchill is friendly, concise and gets things done in a timely manner. Love this company!

Lori P.

I have done three refinances with Churchill Mortgage. They get in your corner and fight for you. I am self-employed and there are a lot of hoops to jump through. Churchill Mortgage has been there with me through the entire process until completion. Great job to them!

James C.

Frequently Asked Questions

We get it—refinancing can be confusing.
But we’ve got you covered. Check out the FAQs below to answer your general and Churchill-related refinance questions.

Churchill Mortgage does things differently than your average mortgage refinance company. For nearly 30 years, their mission has been to help give you the smartest path for homeownership, regardless of your starting point. Simply put, they provide service that gives you more power, clarity and peace.

Refinancing your home mortgage empowers you to lower your interest rate, reduce monthly payments, remove mortgage insurance and/or change your home loan type.

In addition to lowering your interest rate, refinancing allows you to

  • Remove PMI 
  • Change loan term 
  • Switch loan type 
  • Reduce total interest paid

Churchill offers two popular refinance loan options, including: 

  • 15-year fixed-rate conventional mortgage 
  • 30-year fixed-rate conventional mortgage

Understanding you and your specific home loan goals should be top priority for any mortgage company. Churchill’s process focuses on you and includes: 

  • Completing Your Application 
  • Processing Your Loan 
  • Underwriting Your Loan
  • Closing on Your Home (Again)

Required documentation for refinancing typically include: 

  • Driver’s license 
  • Pay stubs  
  • W-2 forms 
  • Bank statements 
  • Recent mortgage statement 
  • Homeowner’s insurance information 
  • Current title insurance policy 
  • Copy of closing disclosures  

Private Mortgage Insurance (or PMI) is required by most lenders on a conventional loan when a home buyer makes a down payment of less than 20% of the home’s purchase price.

Closing costs are a part of the refinancing process and can include: 

  • Credit fees 
  • Appraisal fees 
  • Escrow fees 
  • Title fees 
  • Homeowners insurance 
  • Taxes 

Many mortgage lenders hold money that you’ve paid in an escrow account to cover three things: Your property taxes, homeowners insurance, and in some instances even your homeowners association (HOA) fees. We compare an escrow to a referee in a football game—the neutral third party who takes no sides and makes sure everyone is following the rules until the game is over.  The goal of an escrow account is to make your life as a homeowner as easy as possible. So how does it work? Your lender will first calculate how much your property taxes and homeowners insurance premiums are for the entire year. Next, they’ll divide the total by 12 to show how much escrow payment you’ll owe per month. Then each month you’ll pay that amount along with your standard mortgage payment. Your lender will manage the escrow account and submit payments for your property taxes and homeowners insurance when they are due. It’s a great way to allow you to make one mortgage payment a month while saving you the hassle of remembering to make ongoing annual payments for your insurance and property taxes. Be aware that in some states, such as Hawaii and California, escrow is referred to as impounds.


Should I Refinance My Mortgage?


Is now the right time for your mortgage refinance? Whether you want to take advantage of a lower interest rate or shorten your loan term, find out when it’s worth it to refinance your mortgage.

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