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Do you currently rent or own your home?

Owning a home is a wealth-building tool that will pay off through equity increases and price appreciation.

What is your current monthly rent payment?

Your current rent payment is a helpful starting point when determining how much house you can afford.

Please Enter a Monthly Payment

Where are you planning to buy a home?

It’s important to consider the location of a home when looking to buy as it can have a long-term impact on your quality of life, property value, and investment potential.

Please Select a State

What is your total budget for monthly housing costs?

Budgeting for costs outside of your monthly mortgage payment is essential to home buying success.

Please Enter Your Monthly Housing Budget

What is the price of homes you are interested in?

Home price is an important factor when buying a home. This helps determine financing options, home affordability, and down payment options..

Please Enter a Price of Homes you are Interested in.

Enter the total amount available for Down Payment

The more cash you put down up front, the lower your monthly mortgage payment will be and the quicker you’ll be able to pay off your home.

Please Enter a Down Payment Amount

Can you estimate your credit score?

An estimated credit score helps determine loan eligibility, down payment requirements, interest rates, and loan terms.

Your Credit Score:

When are you planning to buy a home?

Establishing a timeline helps you plan and organize the stages and tasks when buying a home.

Your Purchase Timeline:

What is your full name and email address?

Providing your full name and email address helps to confirm your identity and ensures you receive timely communications.

Please Enter a Name
Please Enter a Last Name
Please Enter a Valid Email Address
  We won't share your information.

Lastly, we need to verify a phone number.

Enter your phone number and we'll text you a 6-digit security code to verify we're sending the report to an actual person. Standard texting 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.

Enter a Valid Phone Number
Please Select a Message Type

Enter the 6-digit code sent to your device.

 Code sent to +1234567890

Please Select Yes or No

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

Es probable que su transacción de préstamo hipotecario suceda en inglés. Por medio de esta pregunta, solicitamos información para determinar si existen comunicaciones disponibles a su servicio, en su idioma preferido. Sírvase tener en cuenta: posiblemente NO hay comunicaciones disponibles en su idioma preferido.

Finally, how did you hear about us?

Please Select an Option

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

Es probable que su transacción de préstamo hipotecario suceda en inglés. Por medio de esta pregunta, solicitamos información para determinar si existen comunicaciones disponibles a su servicio, en su idioma preferido. Sírvase tener en cuenta: posiblemente NO hay comunicaciones disponibles en su idioma preferido.

Based on your responses, here is an overview of your readiness.

Things to discuss with your loan officer:  
Housing Budget:
Credit Score:

When applying for a mortgage your credit score can play a big role in determining your interest rate and the loan programs available to you. Typically, the higher your credit score the lower your interest rate will be.

Click here to learn more about credit scores and buying a home.

If you’re looking for ways to improve your credit score, here are three options:

  1. Check your credit report and scan for any errors.
  2. Check your budget. Look at what’s coming in vs. what’s being spent. You can then cut costs in areas and put that money toward paying down debt, if necessary.
  3. Make payments on time, even if they’re the minimum amount.

Improving your credit score takes time, but I can help you find the right mortgage plan for you, even if you’re working on your credit.

Click here to learn more about credit scores and buying a home.

Down Payment:

Not all down payments are created equal. In fact, they’ll vary based on your loan type. While 20% down is considered the ideal down payment, it is not necessary to start building equity through homeownership.

Many loan programs will require mortgage insurance if you do not put down a specific amount. For example, for conventional loans PMI is required if your down payment is less than 20%. And for FHA loans, MIP is required regardless of down payment amount.

Click here to learn more about down payments and buying a home.

 
Your Responses:  
Rent or Own: RENT
Current Housing Payment: $1,235.00
Monthly Housing Budget: $1,234.00
Estimated Credit Score: FAIR
Purchase Timeline 3 Months
Estimated Purchase Price: $123,456.00
Down Payment: $12,345.00
10%
 

Using your monthly budget and an estimated interest rate and term, we can calculate the loan amount which would have a monthly payment which matches your monthly housing budget. The provided examples do not include lender fees, taxes and/or insurance.

This calculator is being provided for educational purposes only. The provided values for interest rates are examples only and do not reflect Churchill Mortgage Product terms & offers. The results are estimates that do not include expenses like taxes and insurance, and are based on information you provided and may not reflect Churchill Mortgage Product terms. The information cannot be used by Churchill Mortgage to determine a customer's eligibility for a specific product or service. All financial calculators are provided by a third-party and are not controlled by or under the control of Churchill Mortgage. Churchill Mortgage is not responsible for the content, results, or the accuracy of information.

These calculations are hypothetical examples designed to for illustration purposes only. Consult a Home Loan Specialist for more specific information regarding payments, terms, etc.

YOUR NEXT STEPS

  1. Let's Talk: Schedule a call to create your strategy.
  2. Gather your important documents. Use our Document Checklist to see everything you need.
  3. Download our Home Buyer Starter Kit so you know each step of the mortgage process.
  4. Meet with your Home Loan Specialist to get your personalized Homeownership Plan.
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