Fixed Conventional loan with a $200,000 loan amount, a note rate of 2.625% (2.782% APR), borrower FICO of 740 and a LTV of 80% would have a monthly payment (P&I only) of $1,345.38. The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice and are based on rates as of 07/08/2021.
Your APR will vary based on your final loan amount and finance charges. All loans are subject to credit and collateral approval. Not all loans or products are available in all states. Call (615) 370-8888 for current rates and terms. Whether you're looking to buy a home right now, or if it's part of your future, we've got you covered.
Your APR will vary based on your final loan amount and finance charges. All loans are subject to credit and collateral approval. Not all loans or products are available in all states. Call (615) 370-8888 for current rates and terms. Whether you're looking to buy a home right now, or if it's part of your future, we've got you covered.
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Reviews (23)
Barbara K.
Aug 28, 2021
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If only I'd known! After reading these scathing reviews I'm able to relate to most of them.
Complete disorganization/
they lost our documents, had us resend up to 4 times, sent 9 disclosure packages and then went dark!! In application process for 6 months with no answer. Loan officers and office managers ignored our pleas for information so that we can cut our losses. No responses no closure. Yet they say they're Christian-based! Christian companies have ethics. These people do not. Shame on you @daveramsey for endorsing them and leading the sheep astray.
Awful experience.
Complete disorganization/
they lost our documents, had us resend up to 4 times, sent 9 disclosure packages and then went dark!! In application process for 6 months with no answer. Loan officers and office managers ignored our pleas for information so that we can cut our losses. No responses no closure. Yet they say they're Christian-based! Christian companies have ethics. These people do not. Shame on you @daveramsey for endorsing them and leading the sheep astray.
Awful experience.
Evan K.
Jun 18, 2021
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So I sent Michael Brown an e-mail on June 1st with every single bit of financial information I could find that he asked for, and began to wait. I waited two weeks without hearing a word from him, so I reached out to his assistant Melissa this Monday. I told her I was out of town, but if Michael could call me back Tuesday or Wednesday that would be great. Naturally, Michael called me back Monday night...LOL good one Michael!! I didn't answer. Because I was still out of town. I called him AGAIN once I got back into town, and Melissa said she would walk into his office and tell him right then
Rnel C.
Mar 27, 2021
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Melody A.
Mar 16, 2021
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I am so very pleased that we chose to go with Churchill Mortgage for the refinance of our home. Jenny Tran was our home loan specialist and she was great to work with! She was very knowledgeable, and she really helped us determine the best option for our particular refinance situation. Jenny made herself available for any questions or concerns we had, and she answered calls, texts, and emails, even after hours. We are very pleased with the service we received from Jenny. She was always very courteous, professional, and kind. This was a breath of fresh air compared to other experiences we'd
Stephanie D.
Mar 07, 2021
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Contacted Churchill Mortgage to see about refinancing our home loan. My husband listens to Dave Ramsey a lot and Dave recommends Churchill. We were in contact with Scott Mosher and his team. Right from the beginning, there were emails and steps of what we should expect. At no time did we feel pressured or uninformed which is nice when you are going through a huge process like a refi with a new company. Scott and his team were amazing and thorough. I would recommend anyone to check out Churchill mortgage.
Rebecca Parrish
Mar 06, 2021
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We refinanced with them recently - it took longer than expected with very slow communication from them. Before we'd even made our first payment, our mortgage was sold to another company and we were barely able to get the information from that before the first payment was due. I would not recommend using Churchill.
Rebecca L.
Jan 16, 2021
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Marisol M.
Jan 04, 2021
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As a Dave Ramsey listener, I was happy with the services that Churchhill mortgage provided to me and my family. They took the time to listen to what we needed and what we were looking for. Even during these crazy times, they always stayed in contact with us and maintain communication. We never felt like we had to follow up with them on anything. I highly recommend using Churchhill mortgage for your next home buying or refinancing.
Brendan M.
Dec 08, 2020
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Really bad experience unfortunately. I'm a big Dave Ramsey fan but I just can't get behind these guys. My wife and I make good money, have a lot of money in the bank, never had a cent of debt in our lives, and were looking for a very small mortgage to buy our first house, which was her grandparents house. They said they couldn't work with us because the utilities we set up for our apartment weren't in both of our names (I set them up prior to our marriage). Didn't matter that our bank accounts are joint, that we've rented for 2 years and never missed a single payment
Judy C.
Dec 01, 2020
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Mike R.
Oct 21, 2020
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The origination process was great. Then Churchill decided to transfer my mortgage to their in-house servicing arm vs. selling it off. That's where things went wrong.
Their servicing arm, backed by DMI, is horrible. Outdated technology, limited ability to interact online, and front-line customer service that can't actually address any problems other than taking a payment (which they charge exorbitant fees for, it seems) - escalating EVERYTHING else to email addresses that have no auto-response to let you know they got it... and no actual follow-up.
I'm actually considering refinancing
Their servicing arm, backed by DMI, is horrible. Outdated technology, limited ability to interact online, and front-line customer service that can't actually address any problems other than taking a payment (which they charge exorbitant fees for, it seems) - escalating EVERYTHING else to email addresses that have no auto-response to let you know they got it... and no actual follow-up.
I'm actually considering refinancing
Ondrea T.
Oct 14, 2020
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Jl H.
Sep 26, 2020
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Don't bother wasting your time and money for this company. You are better watch out for this fishy lip service from this company. They can follow you with hundreds apologies but works would never be completed.
They tried to fished and hooked you up with many yes, yes, then turned out no communication not updated from them until you called then they apologize again and again they they tried to hook you again by offering 12% interest rate after 2 years interested only; what in the world someone would accept this rate.
Now return back to refinancing,, they keep asking for more bank statements
They tried to fished and hooked you up with many yes, yes, then turned out no communication not updated from them until you called then they apologize again and again they they tried to hook you again by offering 12% interest rate after 2 years interested only; what in the world someone would accept this rate.
Now return back to refinancing,, they keep asking for more bank statements
William C.
Sep 23, 2020
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Very nice people on phone supper positive but bad follow up and focus.
I don't want a nice guy I want a driven focused person to lock me in at the lowest rate with clear to understand instructions on what he/she needs in a email. I make very good money and have a 795 credit score not sure why this company is not hungry for business. I went to another small bank out west and got locked in at 2.375 with excellent service
A big time waster..hope you have better luck
I don't want a nice guy I want a driven focused person to lock me in at the lowest rate with clear to understand instructions on what he/she needs in a email. I make very good money and have a 795 credit score not sure why this company is not hungry for business. I went to another small bank out west and got locked in at 2.375 with excellent service
A big time waster..hope you have better luck
Maria L.
Sep 03, 2020
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Wanted to love and get a loan from them since Dave Ramsey recommends them but I have never dealt with such bad customer service. My home loan specialist was not responsive. I sent all my documents and he responded that he is going on vacation and will look it over when he is back. Took over a week. He emailed me that he has a question. I responded to the email, set up an appointment to chat and nothing. I called and texted and emailed and no response. Finally called to talk to someone else. Lady picked up who was rude and she simply transferred me to him and surprisingly he picked up. Also tried
Daniel Dawson
Jun 02, 2020
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Laura F.
May 09, 2020
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Emily W.
Apr 16, 2020
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Made me wait a week to give me the numbers. They didn't show up for the appointment despite multiple automated confirmation messages from their system. I had to reach out to find out what was happening.
Complete waste of time. I have no idea why Dave Ramsey recommends this company but I definitely did not have a positive experience trying to find out about refinancing with them.
Complete waste of time. I have no idea why Dave Ramsey recommends this company but I definitely did not have a positive experience trying to find out about refinancing with them.
Typhanie W.
Apr 11, 2020
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Geoff K. and Churchill Mortgage did a phenomenal job funding our refinance at an excellent rate. The entire process was professional and streamlined. Geoff was honest, easy to communicate with and kept us well informed on the progress from the beginning to the day of signing, which he scheduled in the comfort of our own home. We definitely look forward to recommending Churchill to our friends and family.
Eric J.
Jul 20, 2019
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Had an excellent experience with Churchill. Dealt with Matt Ricci and he made the process smooth and painless. I cannot thank him enough.
Churchill provides an app to which customers can upload documents from their phones and check the status of their loans as well. Just an excellent experience overall.
Churchill provides an app to which customers can upload documents from their phones and check the status of their loans as well. Just an excellent experience overall.
Katie H.
Nov 06, 2018
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Like everyone else, I went on Dave Ramsey's recommendation, now wishing I had gone with Quicken.
This is NOT a lender, it's a broker--your loan will be sold before you make the first payment, though your agent may tell you anything you want to hear in order to get your business. They'll definitely tell you that you can set up biweekly payments, which is what my agent told me--a complete lie. Churchill doesn't service the loans themselves. Even though they must funnel millions of dollars to the lenders they work with, they will do nothing to pressure the lender to serve the
This is NOT a lender, it's a broker--your loan will be sold before you make the first payment, though your agent may tell you anything you want to hear in order to get your business. They'll definitely tell you that you can set up biweekly payments, which is what my agent told me--a complete lie. Churchill doesn't service the loans themselves. Even though they must funnel millions of dollars to the lenders they work with, they will do nothing to pressure the lender to serve the
Abigail Hase
Sep 02, 2017
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Mary Murray
Jun 22, 2017
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