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Why We Celebrate the No Credit Score Loan

For over 30 years Churchill Mortgage has been on a mission to lead our clients to the ultimate American dream — debt-free homeownership. We believe debt-free individuals with no credit score (and deemed credit invisible) should have the same access to a smarter mortgage as individuals who have a FICO® Score. Being debt-free is a big deal and should be celebrated!

How do you get a mortgage without a credit score or FICO® Score?

A lot of weight is put on a FICO® Score because it’s an easy way to do a quick risk assessment. If you don’t have a FICO® Score it can make qualifying for a mortgage a little more difficult, but not impossible. At Churchill, our Home Loan Specialists are professionally trained to help you get a smarter mortgage that can be paid-off quickly, so you can return to a debt-free lifestyle as soon as possible.

All home loans go through an underwriting process, but no score loans need to go through a manual underwriting process. This means an underwriter will review your application — including documents such as bank statements, pay stubs, and monthly bill payments. There is more documentation involved when applying for a no credit score loan, but once approved the process is as seamless as any traditional home loan.

I'm debt-free and looking to buy a home—what’s next?

Congratulations on being debt-free! Here’s 5 easy steps to getting a no credit score loan:

  1. Fill out the form and connect with one of our Home Loan Specialists.
  2. Determine how much you want your mortgage payment to be each month. We recommend no more than 25% of your take-home pay. Check out the How Much House Can I Afford? calculator to help you crunch the numbers!
  3. Review your Total Cost Analysis provided by your Home Loan Specialist.
  4. Gather all necessary documents: paystubs, bank statements, monthly bills, and investment information.
  5. Set aside money for your down payment.

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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 SMS text messages sent by an automatic telephone dialing system. Message and data rates may apply. Message frequency may vary. Text the word HELP to 615-488-4941 for more information. You can opt out by responding STOP at any time. For more information, read our Privacy Policy, Mobile Policyand Terms & Conditions. Consent to these terms is not a condition of purchase.

Your answer will NOT negatively affect your mortgage application. Your answer does not mean the Lender or Other Loan Participants agree to communicate or provide documents to you in your preferred language. However, it may let them assist you or direct you to persons who can assist you. Language assistance and resources may be available through housing counseling agencies approved by the U.S. Department of Housing and Urban Development. To find a housing counseling agency, contact one of the following Federal government agencies. U.S. Department of Housing and Urban Development (HUD) at (800)569-4287 or www.hud.gov/counseling

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Thank you for choosing Churchill Mortgage to help you with your home loan needs!

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