Our friends at Churchill Mortgage are committed to making sure you're on the right path to homeownership.
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).
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:
Work with your Churchill home loan specialist to lock your rate.
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.
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:
Churchill offers two popular refinance loan options, including:
Understanding you and your specific home loan goals should be top priority for any mortgage company. Churchill’s process focuses on you and includes:
Required documentation for refinancing typically include:
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:
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.
