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 NEW LOAN PROGRAM FROM CHURCHILL 

Try our NEW Loan Program - Smart Refi

Don’t Wait on Rates. Buy Now & Refinance Later with No Lender Fees.

The right home and the perfect mortgage rate don’t always arrive at the same time. With Churchill SmartRefi™, you can make your move now—and if refinancing makes sense in 2027, we’ll waive our lender fees.

Are you buying a home or refinancing?

Where are you planning to buy a home?

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When are you planning to buy a home?

What is your timeline?:

What is your full name?

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Please Enter a Last Name

What is your email address?

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Next, we need to verify a phone number.

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Please Select Yes or No

Enter your phone number and we'll text you a 6-digit security code to verify it's you. By checking "Yes, I would like to receive text messages," you are consenting to receive recurring marketing/account notifications from Churchill. 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. SMS consent is not extended to third parties. For more information, read our Privacy Policy, Mobile Policy and 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.

Thank You!

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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Already working with someone at Churchill?

Find Your Home Loan Specialist

Please Select a Loan Officer

How Does SmartRefi Work? 

Move Forward Now

Choose the home loan that makes sense for you today without trying to predict where mortgage rates will go next.

Start Building Equity

Start building equity each month as you pay down your mortgage while we keep an eye on rates.

Refinance & Save

If refinancing makes sense for you in 2027, refinance with Churchill Mortgage with no lender fees.

 (FAQ) 

Frequently Asked Questions About Churchill Mortgage’s Smart Refi

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What if Interest Rates drop in 2027?

 With Churchill Mortgage’s SmartRefi, if rates drop enough to make refinancing your current property worthwhile, we’ll waive our lender fees on that refinance.  

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Do I need to monitor mortgage rates myself?

No. We will keep an eye on mortgage rates for you. If rates improve in 2027, we’ll help you determine whether refinancing could make sense for your situation.

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How do I know if refinancing makes sense?

 We’ll help you compare your current mortgage with your refinance options to see if refinancing could benefit you. If the numbers make sense for your financial goals, we’ll guide you through the next steps.  

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What fees are waived with SmartRefi?

With SmartRefi, Churchill Mortgage will waive our lender fees on your eligible refinance through December 31, 2027. Other closing costs and third-party fees may still apply.

Want to Know More About Smart Refi?
Connect with A Loan Officer

*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.

 Churchill Mortgage Corporation (“CMC”) will waive its processing, underwriting, and technology bundle fees in connection with the advertised loan transaction. Fee waiver applies only to the specified fees charged by CMC and does not include third-party fees, discount points, prepaid items, escrow deposits, or other closing costs. Eligibility and loan approval are subject to applicable program requirements and underwriting guidelines. Offer may not be combined with other promotions or incentives unless otherwise stated. Additional terms and restrictions may apply.  

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.