--- title: Michael Ham description: I started in the mortgage industry in January 2005 and I have been at Churchill since April 2009. Prior to that, I was a stay-at-home dad for a year and a half. Prior to being a stay-at-home dad, I managed a 911 center. My time working in a 911 center taught me to be empathetic no matter the circumstance. My time as a stay-at-home dad taught me that no one works harder and sacrifices more than a full-time parent. image: https://www.churchillmortgage.com/hubfs/images/headshots/loan-officers/Michael-Ham.jpg --- [![churchill logo in navigation bar](https://www.churchillmortgage.com/hubfs/images/logos/logo.svg) ](https://www.churchillmortgage.com) [888-562-6200 ](tel:888-562-6200) [Get Started!](https://www.churchillmortgage.com/get-started) - [Buy a Home](https://www.churchillmortgage.com/buy-a-home) - [Refinance](https://www.churchillmortgage.com/home-refinance) - [Calculators](https://www.churchillmortgage.com/calculators) [Mortgage Payment Calculator](https://www.churchillmortgage.com/Calculators/Monthly-Payment-Calculator) [How Much Can I Afford?](https://www.churchillmortgage.com/how-much-house-can-i-afford) [Rate Buydown Calculator](https://www.churchillmortgage.com/calculators/buydown-cost-calculator) [Refinance Calculator](https://www.churchillmortgage.com/calculators/refinance-break-even-calculator) - [Loan Programs](https://www.churchillmortgage.com/loan-programs) [Make Your Offer Competitive](https://www.churchillmortgage.com/home-buyer-edge) [Certified Home Buyer](https://www.churchillmortgage.com/certified-homebuyer) [$10K Seller Guarantee](https://www.churchillmortgage.com/seller-guarantee) [Secure Your Interest Rate](https://www.churchillmortgage.com/rate-secured) - [Resources](https://www.churchillmortgage.com/resources) [Frequently Asked Questions](https://www.churchillmortgage.com/faq) [Blog Articles](https://www.churchillmortgage.com/articles) [eBooks & Guides](https://www.churchillmortgage.com/ebooks) [Conventional Loans](https://www.churchillmortgage.com/loan-programs/conventional) [FHA Home Loans](https://www.churchillmortgage.com/loan-programs/government) [VA Home Loans](https://www.churchillmortgage.com/loan-programs/government) [No Score Home Loans](https://www.churchillmortgage.com/loan-programs/no-score) [All Loan Options](https://www.churchillmortgage.com/loan-programs) [Video Library](https://www.churchillmortgage.com/videos) - [Find A Loan Officer](https://www.churchillmortgage.com/loan-officers) - [MyChurchill Login](https://churchill.mychurchill.com/sign-in) - [Loan Servicing](https://www.churchillmortgage.com/loan-servicing-center) - [Join the Churchill Team!](https://www.churchillmortgage.com/careers) [Get Started!](https://www.churchillmortgage.com/get-started) [Call 888-562-6200](tel:888-562-6200) [Find a Loan Officer ](https://www.churchillmortgage.com/loan-officers) [Loan Servicing ](https://www.churchillmortgage.com/loan-servicing-center) [MyChurchill Login ](https://churchill.mychurchill.com/sign-in) # Michael Ham Home Loan Specialist |   [ NMLS: 174605](https://www.churchillmortgage.com/license/michael-ham#license) --- Michael Vance Ham NMLS ID: 174605; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org); AZ BK# 0926494; AL-50031; AR-104582; AZ-0927934; FL-LO21537; GA-40242, under company license GA-23146; KY-MC24343; MO-MO-174605, Churchill Mortgage, Missouri Branch located at 2300 MAIN ST STE 900, Kansas City, MO 64108-2408; OH-LO.048939.000 under company license OH-RM.850178.000; TN-105627; 1749 Mallory Lane, Suite 100, Brentwood, TN 37027; Churchill Mortgage Corporation Churchill Mortgage Corporation, NMLS ID# 1591, is an Equal Housing Lender.  1149 Mallory Lane, Suite 100, Brentwood, TN 37027 All Other States: [Licensing](https://www.churchillmortgage.com/licensing) For licensing information go to: [www.nmlsconsumeraccess.org](https://www.nmlsconsumeraccess.org) We are vitally concerned with your privacy on the internet. You have received this email as a Churchill Mortgage customer or subscriber. [Privacy Policy](https://www.churchillmortgage.com/privacy)   For more information, please visit: [www.churchillmortgage.com](https://www.churchillmortgage.com/license/www.churchillmortgage.com) 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](http://www.nmlsconsumeraccess.org/) [Licensing](https://www.churchillmortgage.com/Licensing) [Privacy](https://www.churchillmortgage.com/Privacy) ![](https://arttrk.com/pixel/?ad_log=referer&action=purchase&pixid=17ecd3f1-495d-4132-be10-f862c5d18380)