“Churchill Mortgage was so easy to work with. I did all of it online, had a couple of phone calls and a mobile notary. It was so easy."
Teresa and Dan ⭐⭐⭐⭐⭐
Refinance Your Home With the Provider Ramsey Fans Trust
For 30 years, the experts at Churchill Mortgage have walked with Ramsey fans on the path to homeownership. You can be next.
Step 1
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Sending your info to Churchill . . .
How It Works
STEP 1
Tell us what you need.
STEP 2
Get preapproved with a
specialist.
STEP 3
Shop for your dream home!
Why Churchill Mortgage?
Churchill is our trusted refinance provider in your area. They treat your home like your most important asset (because it sure is the most expensive).
Get a Loan With No Credit Score
If you’ve crushed debt like an old soda can and no longer have a credit score, you have the option of a No Score Loan where you can:
- Refinance your mortgage with a credit score of zero—meaning you’ve paid off all your debt!
- Walk through a manual underwriting process with your loan specialist.
- Drop to a 15-year fixed-rate mortgage—or lower!—to pay off your home faster.
Secure Great Rates
Work with your Churchill home loan specialist to lock your rate.
- You want the lowest rate. Your loan specialist will advise you on the best time to lock it in.
- Once you lock your rate, you keep it for 30 days (and re-lock if you need more time).
- Your specialist will walk you through your options, so you’re empowered to find the right loan at the right time.
Churchill Mortgage is RamseyTrusted
That’s right—RamseyTrusted. And it’s a big deal. It means that Churchill Mortgage is the only mortgage provider trusted by real estate expert Dave Ramsey and the Ramsey team. Why? Churchill Mortgage has faithfully served our fans for over two decades and is there to do what's right for you. Seriously, we’d send our moms to them (and most of us have).
“I had heard them recommended on The Ramsey Show podcast for years. I called and they were able to provide a good interest rate and closing costs, so the math worked to refinance through them.”
Steven ⭐⭐⭐⭐⭐
“We contacted Churchill Mortgage to get more information about refinancing our mortgage loan. After sharing our situation with one of their specialists, they advised us that a refi wasn't worthwhile because our mortgage wasn't that large at the time. They encouraged us to make extra payments and we ended up paying our mortgage off seven years early!”
Andrew and Tammi
Frequently Asked Questions
We get it—refinancing can be confusing.
But we’ve got you covered. Check out the FAQs below to answer your general and Churchill-related refinance questions.
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Who is Churchill Mortgage and how long have they been in business?
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Churchill Mortgage does things differently than your average mortgage refinance company. For over 30 years, their mission has been to help give you the smartest path for homeownership, regardless of your starting point. Simply put, they provide service that gives you more power, clarity and peace.
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What is the purpose of refinancing a home?
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Refinancing your home mortgage empowers you to lower your interest rate, reduce monthly payments, remove mortgage insurance and/or change your home loan type.
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Why should I refinance my home mortgage?
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In addition to lowering your interest rate, refinancing allows you to:
- Remove PMI
- Change loan term
- Switch loan type
- Reduce total interest paid
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What refinancing options does Churchill Mortgage offer?
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Churchill offers two popular refinance loan options, including:
- 15-year fixed-rate conventional mortgage
- 30-year fixed-rate conventional mortgage
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How does the mortgage refinancing process work?
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Understanding you and your specific home loan goals should be top priority for any mortgage company. Churchill’s process focuses on you and includes:
- Completing Your Application
- Processing Your Loan
- Underwriting Your Loan
- Closing on Your Home (Again)
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What documentation do I need to refinance?
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Required documentation for refinancing typically include:
- Driver’s license
- Pay stubs
- W-2 forms
- Bank statements
- Recent mortgage statement
- Homeowner’s insurance information
- Current title insurance policy
- Copy of closing disclosures
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What is Private Mortgage Insurance (PMI)?
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Private Mortgage Insurance (or PMI) is required by most lenders on a conventional loan when a home buyer makes a down payment of less than 20% of the home’s purchase price.
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What costs are associated with refinancing?
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Closing costs are a part of the refinancing process and can include:
- Credit fees
- Appraisal fees
- Escrow fees
- Title fees
- Homeowners insurance
- Taxes
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What is an escrow account?
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Many mortgage lenders hold money that you’ve paid in an escrow account to cover three things: Your property taxes, homeowners insurance, and in some instances even your homeowners association (HOA) fees. We compare an escrow to a referee in a football game—the neutral third party who takes no sides and makes sure everyone is following the rules until the game is over. The goal of an escrow account is to make your life as a homeowner as easy as possible. So how does it work? Your lender will first calculate how much your property taxes and homeowners insurance premiums are for the entire year. Next, they’ll divide the total by 12 to show how much escrow payment you’ll owe per month. Then each month you’ll pay that amount along with your standard mortgage payment. Your lender will manage the escrow account and submit payments for your property taxes and homeowners insurance when they are due. It’s a great way to allow you to make one mortgage payment a month while saving you the hassle of remembering to make ongoing annual payments for your insurance and property taxes. Be aware that in some states, such as Hawaii and California, escrow is referred to as impounds.
Cash-Out Refinance: How It Works and Is It Worth It?
A cash-out refinance allows homeowners to tap into their home equity by trading in their current mortgage for a larger loan. Find out how it works and if it’s worth it.
Ramsey Solutions
How to Refinance Your Mortgage
Wondering how to refinance your mortgage, when you should refinance, or what mortgage refinancing is in the first place? We’ve got you covered.
Ramsey Solutions
Should I Refinance My Mortgage?
Is now the right time for your mortgage refinance? Whether you want to take advantage of a lower interest rate or shorten your loan term, find out when it’s worth it to refinance your mortgage.
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