Churchill Mortgage Mortgage Review 2020

By Ellen Chang

About our reviews

Bankrate’s editorial team researches, reviews and rates lenders to help you find one that fits your needs. Our experts consider a range of factors, including rates, loan types, time to close, fees and more. Reviews are updated regularly. Bankrate is an independent, advertising-supported comparison service. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy.

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3.9

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Please note: In response to the coronavirus pandemic, lenders are changing their requirements continuously. Although we strive for accuracy at the time of publication, please be sure to check with the lender for updated details on down payments, credit scores, etc.

Churchill Mortgage is a privately held lender that was founded in 1992 and is based in Brentwood, Tennessee. The lender has been featured on Dave Ramsey's radio show. Churchill says on its website, "We dig deep to not only understand your present situation but also your long-term needs so that a mortgage plan can be tailored to you. For most people, this will become their single biggest source of wealth. We deliver a smarter strategy through best-in-class loan comparison tools that provide real clarity--not guesswork. We equip you with early pay-off scenarios and lower payment options, all at a level of detail you control."

Nationwide availability

Mortgages are available in 50 states and the District of Columbia.

Minimum credit score

For conventional loans, key requirements include good credit (typically a FICO score of 580 or higher).

Loan types

Conventional, FHA, VA and jumbo loans. Refinancing options are available, but details were not provided on the website.

Pros

  • Online application and service available to borrowers
  • Loan options include fixed-rate, adjustable-rate (ARM), VA, FHA and jumbo mortgages
  • Mortgage refinancing options, including rate-and-term refinancing and cash-out refinancing
  • Has brick-and-mortar locations
 

Cons

  • Online information about loan costs is limited
  • Home equity loans and home equity lines of credit (HELOCs) aren’t available
  • Approval time can be lengthy. Company says it can take “about three times longer than a normal borrower file and sometimes additional documentation will be requested.”
  • Call center hours are limited to 8:00 a.m. to 5:30 p.m. CT Monday thru Friday and 9 a.m. to 3 p.m. CT on Saturday. 

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Churchill Mortgage overview

Loan types

Loan options include fixed-rate, adjustable-rate (ARM), VA, FHA and jumbo mortgages.

Lender fees

Churchill mortgage fees vary by loan type.

Minimum borrower requirements

Churchill Mortgage adheres to the conforming loan requirements for mortgages approved by government-sponsored enterprises (GSEs), Fannie Mae and Freddie Mac, as well as those backed by the Federal Housing Administration (FHA) and the Department of Veterans Affairs (VA).

For conventional loans, key requirements include good credit (typically a FICO score of 580 or higher). Depending on the loan, a minimum down payment of 3 percent is required.

For FHA and VA loans, requirements are set by the government. You can find them here:

 

Get started with Churchill Mortgage

Borrowers can apply online or by phone. There are many brick-and-mortar locations where borrowers can apply in-person.

Hours

8:00 a.m. to 5:30 p.m. CT, Monday-Friday and 9 a.m. to 3 p.m. CT on Saturday. 

Churchill Mortgage consumer rating and reviews

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