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Shop smarter and close faster with Churchill’s Certified Home Buyer and Rate Secured programs. Rate Secured is just one of the benefits of becoming a Certified Home Buyer which is where we pre-underwrite your home loan before you even go under contract.

So, if you’re thinking about buying a home in the next three months, your best bet is to become a Churchill Certified Home Buyer and secure your interest rate today to help you save thousands. It’s a no-brainer!

By becoming certified and secured while you plan your home search you’ll to able to:

  • Submit your offer with the ultimate confidence
  • Win the bidding war in a multiple-offer situation
  • Eliminate the worry of possible interest rate increases
  • Close faster and move into your new home sooner
What’s a Certified Home Buyer? 

Many real estate markets are still dealing with low housing inventory so you want to make sure you position yourself as a cash buyer—and the next best thing to paying cash for your home is becoming a Churchill Certified Home Buyer.* This program works with all types of home loans and helps set you up for home buying success to edge out your competition by increasing your negotiating power with a quick close.

How Does Rate Secured Work?

As you’re looking for a new home, we know you want to pay the lowest possible interest on your mortgage. Who wouldn’t? There’s nothing more frustrating than having your interest rate go up before you close on your loan. No need to lay awake at night wondering what the market will do. You can now protect yourself from the fluctuating interest rates with Churchill’s Rate Secured** program. It’s simple:

  • Secure a low interest rate at no cost
  • Lock your rate for up to 90 days while you shop for a home
  • Reset the rate for another 90 days if you don’t find a home in the initial 90-day period

Mike Quote FINAL

What Happens if Rates Go Up or Down with Rate Secured?

Your interest rate helps determine your monthly mortgage payment so when you lock your rate, think of it as securing your savings on your mortgage. Just remember if rates go up, your rate stays the same.      

Pro Tip: Don’t try and predict interest rates—just focus on getting a rate you’re comfortable with for your budget. If the rate and it’s resulting monthly payment work for you, then lock your rate with your Home Loan Specialist. The goal here is to protect yourself from rising rates and eliminate worry!

Don’t forget: There’s no additional costs for either of these programs so you have nothing to lose but time and money!

For more information about Churchill’s Certified Home Buyer and Rate Secured programs, click here to reach out to a Home Loan Specialist licensed in your state.                       

**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 (things like 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 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. The Churchill Certified Home Buyer is not a commitment to lend funds and is not an approval, but it 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. **Rate Secured is available on 30-year conventional conforming and high-balance fixed-rate loans. Rate Secured is not available on investment property home loans or no score loans.

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You can also get in contact with us at 888-562-6200.

By submitting this form, I/we agree to your Privacy 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 text messages sent by an automatic telephone dialing system. Consent to these terms is not a condition of purchase.

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With so much of your hard-earned money on the line, seek advice from a trusted home loan expert and have the confidence that you are in qualified hands.

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