From the day you graduate to the birth of your first grandchild, there are certain moments in life that are unforgettable. Most of the time, though, life is a sink full of dishes and errands that need to be run. It’s that combination of big moments and ordinary life that make up your American dream.
At Churchill Mortgage, we believe homeownership is a big part of that American dream. After all, your home is where all of life’s moments take place. That’s why we’re committed to doing what’s right for you.
Since your financial goals are personal, we want your home loan experience to be too. By building out a smarter mortgage plan that works with your unique goals in life, you can cut time and money off your loan, which allows you to build wealth faster. And owning a home is one of the fastest and most stable ways to build wealth. We personalize your home loan plan so you can achieve lifelong financial success, allowing you to have more resources to focus on what matters—your family, friends, and living your greatest life.
Starting with your first phone call, you’ll notice things are done a little differently around here. Yes, there will be discussion about your employment and credit score, but there will also be discussion of your short and long-term plans. Those plans are what help us work together to build a home loan that’s right for you.
Taking on a mortgage is a big commitment and it’s important that all your options are laid out and easy to understand. That’s why your Home Loan Specialist will go over your budget with you, making sure you’re not spending more than you feel comfortable with. It also means you’ll see options that may be higher than you thought but may save you thousands over the life of your loan.
Because the real estate market is ever-changing, we want you to have the very best shot at getting your offer accepted. The best way to do that is to set you up as if you’re making a cash offer. When you become a Churchill Certified Home Buyer it goes beyond a pre-qualification or pre-approval. Your financial documents will be reviewed by an actual underwriter showing that you’re conditionally approved for financing. This makes the home buying process move more quickly and it shows that you’re a reliable buyer, alleviating some of the pressure that comes along with buying a new home.
Saving money also comes in the form of locking in an interest rate that works for you. That’s why Churchill offers Rate Secured. This program allows you to secure your interest rate for 90 days while you look for a home. If that 90-day period runs out and you haven’t found a house you love, you can reset for another 90 days. Home shopping should be fun, not stressful and Rate Secured is one of the ways you can have peace of mind while you search!
When you work with Churchill Mortgage, your Home Loan Specialist and their teams will reach out throughout the year just to check in. This gives you the opportunity to discuss the progress you’ve made and any changes in your budget and goals. This time with a Home Loan Specialist lets you explore options to pay your home off faster as well as ways to save by refinancing or setting new goals. In fact, this service is available to any home buyer or owner who has questions, even if you aren’t a current client! We believe that by educating you to make the best decision possible for you and your family when it comes to your home loan, you’ll be able to do more both financially and in your day-to-day life.
We’ve done business this way for 30 years by always putting an emphasis on people over profits. If you’re looking to buy a home or refinance and want to work with a family of people who are dedicated to doing what’s right for you, reach out. We’re ready to help!