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 HOME LOAN PROGRAM 

Home Buyer Edge

Stand out and win with an offer that’s Certified,
Guaranteed, and Protected.

Are you buying a home or refinancing?

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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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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!

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Your Home Buying Trifecta!

Here’s your triple threat against cash offers and other home buyer competition. Our program arms you with the ultimate home-buying trifecta: certainty for sellers, financial security for you, and an offer that stands out in any market.

 

#1 - The Edge

You’ll become a Certified Home Buyer—your approval is backed by real underwriters, not just a computer.

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Gain Seller Trust with a Stronger Offer

It’s not just a pre-qualification—it’s a full review by real underwriters, showing sellers you're serious, financially solid, and ready to close. That kind of confidence can be the difference between getting the house or getting passed over.

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Get Treated Like a Cash Buyer

Sellers see you as a low-risk, ready-to-close buyer, just like someone bringing cash to the table. You’ve already gone through full underwriting, which means fewer delays, fewer surprises, and way more confidence in your offer.

#2 - The Incentive

Sellers love certainty, so we back your offer with a $10,000 Seller Guarantee. If your loan falls through, the seller gets $10k from us.

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Eliminate Financing Fears

Financing is one of the top reasons sellers hesitate. Our $10,000 Seller Guarantee takes that fear off the table, giving your offer the strength and certainty sellers are looking for.

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Boost Your Offer's Appeal

In a crowded market, every detail counts. We set your offer apart, making it more attractive and difficult to overlook. Sellers will take notice when your offer comes with built-in financial security.

#3 - The Rate Cap

With Rate Secured, your rate is secured and protected for 90 days, so you don’t have to worry about rising rates while you search for your home.

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Protect Your Rate

If mortgage rates drop during your 90-day rate cap, we’ll automatically adjust your rate to match. You’re protected from rising rates and can benefit from lower rates without lifting a finger.

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If Rates Drop, So Does Yours!

If rates drop, so does yours—automatically

What Our Customers Are Saying

★ ★ ★ ★ ★

"Kraig was always there to answer any questions we had regarding the loan process. He took the time to explain things and we had a better understanding of our rates and how it affected our bottom line. He and is team was very responsive and provided us with the guidance we needed. We are happy with our purchase of our new home and will definitely use Churchill again."

Yarziah R.
Silver Spring, MD
★ ★ ★ ★ ★

"The Certified Home Buyer program and Rate Secured program gave me a piece of mind throughout the process and made the process very smooth once we did find a house and enter escrow."

David V.
Monterey Park, CA
★ ★ ★ ★ ★

"We felt like we had the best team behind us as we went through this process. We loved that we could take advantage of their Home Buyer Edge program and lock in our interest rate. They were very organized and were true guides throughout the process. Everything has gone smoothly and it just goes to show how partnering with the right people can make all the difference."

Emily W.
Grand Rapids, MI

Make an Offer They Can’t Refuse

With Home Buyer Edge, you’re not just another buyer—you're a top contender. Don’t leave your offer to chance. Equip yourself with the ultimate home-buying edge today!
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*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.

Seller Guarantee is for qualifying borrowers and select loan types only and are not available in all states or locations. Offer only valid on home loans closing on or before June 30, 2025.

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.