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INTRODUCING THE

CHURCHILL CERTIFIED HOMEBUYER 

The Next Best Thing to a Cash Offer

“Pre-approved” is good, but “certified” is the best. Becoming a Churchill Certified Homebuyer is the gold standard and positions you almost as if you are offering cash for a home. Not only does this help you shop for your new home with more confidence, but we’re finding offers are getting accepted more quickly and clients can close on their home sooner.

When competition is high, it’s important to present the most trustworthy offer by becoming a Churchill Certified Homebuyer. Here’s the top 5 reasons this is your best option:

  1. You submit your financial documents to be reviewed by an actual underwriter and you’re conditionally approved for financing on a new home. This is the best way to show the homeowner’s agent that you’re a reliable buyer.
  2. You’ve done a bulk of the leg work up front, making the homebuying process quick and smooth once you’ve found the right home.
  3. Both you and the seller of the home have peace of mind that your funds will be approved when it’s time to sign on the dotted line. This is great to emphasize during negotiations!
  4. Going through this process up front helps catch many of the hiccups early on and prevents any issues from arising at the last minute.
  5. You’ll get to the closing table and in your new home FASTER! Often, buyers can close up to 7-10 days sooner!
Certified Homebuyer Comparison

**The certification is subject to the financial status and credit report(s) of everyone on the application remaining substantially the same until closing, an acceptable contract of sale on a suitable property, collateral (things like the appraisal, title, survey, condition, and insurance) satisfies the requirements of the Lender and loan selected is still available in the market. All closing conditions of Lender must be satisfied including the clear transfer of the title, acceptable and adequate title and hazard insurance, flood certification, and any inspections that are required by the real estate contract. The Churchill Certified Homebuyer is not a commitment to lend funds and is not an approval, but it is a conditional approval subject to your acceptance of the terms and the conditions being fully satisfied prior to closing. All conditions are subject to final underwriting and final investor approval.

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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 text messages sent by an automatic telephone dialing system. Consent to these terms is not a condition of purchase.

- 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.

Su respuesta NO afectará de forma negativa su solicitud hipotecaria. Su respuesta no quiere decir que el prestamista u otros participantes de préstamos hipotecarios acuerdan en comunicarse o proveerle documentos en su idioma preferido. Sin embargo, puede que les permita ayudarle o dirigirlo a otras personas que puedan colaborarle.

Puede que los servicios de asistencia linguística y recursos estén disponibles a través de agencias de orientación en relación a viviendas, aprobadas por el Departamento de Vivienda y Desarrollo Urbano de EE. UU. Para ubicar una agencia de orientación en tema de viviendas, comuníquese con una de las siguientes agencias federales gubernamentales:

Departamento de Vivienda y Desarrollo Urbano de EE. UU. (HUD, siglas en inglés), al (800) 569-4287, o en línea, www.hud.gov/counseling

Oficina para la Protección Financiera del Consumidor (CFPB, siglas en inglés), al (855) 411-2372, o en línea, www.consumerfinance.gov/find-a-housing-counselor.