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Get Certified and Secured!

Shop smarter, close faster with Churchill’s Certified Home Buyer and Rate Secured programs. Rate Secured is just one of the benefits of becoming a Certified Home Buyer which is where we pre-underwrite your home loan before you even go under contract. So, if you’re thinking about buying a home in the next three months, your best bet is to become a Churchill Certified Home Buyer and secure your interest rate today to help you save thousands. It’s a no-brainer!

By becoming certified and secured while you plan your home search you’ll to able to:

  • Submit your offer with the ultimate confidence
  • Win the bidding war in a multiple-offer situation
  • Eliminate the worry of possible interest rate increases
  • Close faster and move into your new home sooner

What’s a Certified Home Buyer?

Many real estate markets are still dealing with low housing inventory so you want to make sure you position yourself as a cash buyer—and the next best thing to paying cash for your home is becoming a Churchill Certified Home Buyer. This program works with all types of home loans and helps set you up for home buying success to edge out your competition by increasing your negotiating power with a quick close.

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How Does Rate Secured Work?

As you’re looking for a new home, we know you want the lowest possible interest on your mortgage. Who wouldn’t? There’s nothing more frustrating than having your interest rate go up before you close on your loan. No need to lay awake at night wondering what the market will do. You can now protect yourself from the fluctuating interest rates with Churchill’s Rate Secured program. It’s simple:

  • Secure a low interest rate at no cost
  • Lock your rate for up to 90 days while you shop for a home
  • Reset the rate for another 90 days if you don’t find a home in the initial 90-day period
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What Happens if Rates Go Up or Down with Rate Secured?

Your interest rate helps determine your monthly mortgage payment so when you lock your rate, think of it as securing your savings on your mortgage. Let’s break it down a step further:

  • If rates go up, your rate stays the same
  • If rates go down, you have a one-time option to receive that lower rate

Pro Tip: Don’t try and predict interest rates—just focus on getting a rate you’re comfortable with for your budget. If the rate and it’s resulting monthly payment work for you, then lock your rate with your Home Loan Specialist. The goal here is to protect yourself from rising rates and eliminate worry!

Don’t forget: There are no extra costs for either of these programs so you have nothing to lose but time and money!

Fill out the form to talk to a Home Loan Specialist and find out more.

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