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Churchill Mortgage

Buying A Home

Buy a Home Buy Your First Home Relocation & Remote Buying Upsizing or Downsizing Mortgages: The Dave Ramsey Way

Home Refinance

Lower My Monthly Payment Reduce Interest and Save Refinance Your Home

From buying your first home to refinancing into a lower interest rate, a mortgage can be a powerful resource. Knowing your goals for your mortgage will help you streamline the process and can clarify which loan options and programs are best for you.

How It Works

The most important part of understanding the mortgage process is finding a lender who understands you and your home loan goals (like saving time and money). Some parts of the process can be taken care of now while other parts will occur after you’ve picked out your home. Here’s a quick and easy view of the home loan process:

Complete Your Application

First, submit your mortgage application. This lays the groundwork for your Home Loan Specialist to be able to give you accurate interest rate quotes and down payment options.

Time for Processing

After your application is completed, you’ll start getting your home inspection and appraisal under wraps. This is when you’ll be asked for any additional documentation to close your loan, if you haven’t already provided it.

Underwriting Takes Over

Your home loan will go through underwriting (remember, it has already been through underwriting at the beginning of your loan process if you became a Certified Home Buyer). This just verifies all conditions on your home loan are approved and then you’ll be issued a “clear to close.”

Closing on Your New Home

The underwriter will issue your final approval, process your closing paperwork, and schedule your closing date and time. On your official closing day, you’ll have a lot of documents to sign but in the end your loan will be funded, and you’ll get the keys to your new home.

When buying your first home, you’ll likely have a lot of questions. One of the most common questions we get asked is “What should I do first?” The first thing you should do is find out how much house you can afford. We provide an easy-to-use calculator using your monthly income with your projected loan term.

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You can also get in contact with us at 888-562-6200.

By submitting this form, I/we agree to your Privacy Policy Terms of Use and authorize Churchill Mortgage Corporation and/or their Preferred Provider for our area and/or The Churchill Agency to receive the above information to assist in obtaining a home loan.

I/we also authorize Churchill Mortgage Corporation, The Churchill Agency and/or their Preferred Provider for our area to contact us regarding but not limited to mortgage and insurance services and products via telephone, mobile phone (including through automated dialing), and/or email, even if telephone numbers or email I/we provide are on any Do Not Call/Contact Registry, such as corporate, state, or the National Do Not Call Registry. The submission of this form does not constitute in any way a formal loan application or a commitment for a loan. By communicating with us by phone, you consent to calls being recorded and monitored. By participating, you consent to receive text messages sent by an automatic telephone dialing system. Consent to these terms is not a condition of purchase.

Connect with a Mortgage Expert!

With so much of your hard-earned money on the line, seek advice from a trusted home loan expert and have the confidence that you are in qualified hands.

As a responsible lender, Churchill Mortgage is committed to the principles outlined in federal and state lending laws ensuring all potential borrowers have access to the same information, services, and opportunities throughout the home loan process.

Churchill Mortgage Corporation, NMLS #1591 is an Equal Housing Lender - ©2020 All Rights Reserved. Programs are for select loan types only and are not available in all states or locations. For Licensing Inforamtion Go To: NMLS Consumer Access Licensing Privacy