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Buying a Home? 

Get Certified & Get Noticed.

Skip the stress of bidding wars. Get the power of a cash offer, without the cash.

Are you buying a home or refinancing.?

Where are you planning to buy a home?

Please Select a State

When are you planning to buy a home?

What is your timeline?:

What is your full name?

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What is your email address?

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Enter your phone number and we'll text you a 6-digit security code to verify it's you. 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..

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Finally, how did you hear about us?

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By submitting this form, I/we agree to your Privacy Policy, Email and Mobile 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.

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

Our team is already hard at work connecting you with your Home Loan Specialist. Rest assured that we've received your request and will be in touch with you shortly.

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Why a Pre-Approval Isn’t Good Enough

Discover the differences between a standard pre-approval and our Certified Home Buyer Program. Learn how we help you stand out in a competitive market.

Worried about losing your dream home to other buyers?

 

In today's market, being pre-approved isn't enough. Become a Churchill Certified Home Buyer and make your offer stand out like a cash buyer.

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Underwriter Review

Your finances are reviewed by a real, experienced underwriter, not just a computer. Get a true conditional approval that sellers trust.

Close Faster

While other buyers are scrambling with paperwork, you'll be planning your move-in date. You’ll be able to close faster than traditional buyers.

No Last-Minute Surprises

We handle the heavy lifting up front to prevent late-stage issues. No more sleepless nights wondering if your loan will fall through.

Stronger Negotiations

Sellers love certainty. Your certified status gives you leverage to negotiate better terms and compete with cash offers.

What Do Our Customers Think?

★ ★ ★ ★ ★

"Our listing agent said the seller had over 20 offers over the weekend—some higher than ours. But they chose us because we were Churchill Certified Homebuyers and could close in 2 weeks. In fact, it turned out to be less than 2 weeks!"

Eulalia N.
Certified Home Buyer
★ ★ ★ ★ ★

"Becoming a Certified Home Buyer was a game-changer. When the seller told us that our fast closing sealed the deal, I felt an overwhelming sense of gratitude. This process truly made a difference!"

Joshua J.
Certified Home Buyer
★ ★ ★ ★ ★

“The timeliness and thorough work was phenomenal. We were able to easily close well ahead of our originally-planned date. Our real estate agent and the sellers were very impressed and pleased as well. Nice work, team!”

Spencer M.
Certified Home Buyer

Ready to Stand Out from Other Buyers?

Get certified today and make your next offer with confidence.
Get Certified!

 (FAQ) 

Frequently Asked Questions About Churchill Mortgage’s Certified Home Buyer Program

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What is the Churchill Certified Home Buyer Program?

The Churchill Certified Home Buyer Program goes beyond a standard pre-approval. It includes a full underwriter review of your financials, giving you a true conditional approval. This means you can compete with cash buyers, close faster, and make stronger offers in today’s competitive housing market.

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How is Churchill Mortgage's Certified Home Buyer Program different from a regular mortgage pre-approval?

A regular pre-approval is often based on basic credit and income checks done by automated systems. The Churchill Certified Home Buyer Program is backed by a real underwriter who fully reviews your finances up front. This reduces the risk of surprises during the loan process and helps your offer carry more weight with sellers.

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Why do sellers prefer Churchill Mortgage Certified Home Buyers?

Sellers love certainty and speed. As a Churchill Certified Home Buyer, your offer is treated more like a cash offer because your loan has already been underwritten. This gives you an edge in bidding wars and helps you close faster—often in as little as two weeks.

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Can I still become a Certified Home Buyer if I don’t have a credit score?

Yes! Churchill Mortgage proudly offers No-Score Loans for buyers who don’t use traditional credit. Instead of relying on a credit score, we use manual underwriting to assess your financial health based on real data like rental history, utility payments, and more. It’s a great option for debt-free buyers or those building credit the non-traditional way.

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Is there a cost to becoming a Churchill Mortgage Certified Home Buyer?

No. The certification is part of Churchill’s commitment to helping buyers stand out and succeed. There’s no extra fee—just the benefit of a stronger, faster, and more confident home buying process.

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How do I become a Churchill Mortgage Certified Home Buyer?

Click here and answer a few quick questions about your goals. A local Churchill Home Loan Specialist will follow up to walk you through your next steps.

Tap Here To Get Started

*The Churchill Certified Home Buyer program is not a commitment to lend funds and is not an approval but 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. 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 (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 the 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.

*Rate Secured is available on 30-year conventional conforming and high-balance fixed-rate loans. Rate Secured is not available on government high balance, construction to permanent, or investment property home loans.

As a responsible lender, Churchill Mortgage is committed to the principles outlined in federal and state lending laws ensuring all potential borrowers have access to the same information, services, and opportunities throughout the home loan process.

As a responsible lender, Churchill Mortgage is committed to the principles outlined in federal and state lending laws
ensuring all potential borrowers have access to the same information, services, and opportunities
throughout the home loan process.

Churchill Mortgage Corporation, NMLS #1591 is an Equal Housing Lender.
Programs are for select loan types only and are not available in all states or locations.
© 2020 All Rights Reserved

For Licensing Information Go To: NMLS Consumer Access Licensing Privacy