Get a Mortgage 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

What kind of mortgage service are you looking for?

What best describes you?

When do you want to buy a home?

Do you need a real estate agent?

If you select "Yes, please!", we'll send your info to top-performing agents in your area.

Where are you buying a home?

If you're unsure, take your best guess.

Where are you refinancing a home?

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Tell us about yourself.

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By submitting your information, you agree to Ramsey Solutions' Terms of Use and Privacy Policy. You also agree to Churchill Mortgage’s Terms of Use & Privacy Policy. You also expressly consent to having Churchill Mortgage and any of our mortgage partners contact you about your inquiry via text message or phone. This includes but isn’t limited to an automatic phone dialing system or an artificial and/or pre-recorded voice by ways of the residential and/or cellular phone number you provided (even if that specific phone number is on a corporate, state, or national Do Not Call Registry). You do not have to agree to receive such calls or text messages as a condition of receiving services from Churchill Mortgage. In addition, by communicating with us via phone, you consent to calls being recorded and monitored for quality assurance. Text and email messaging frequency varies by client. Mobile terms: Email and Mobile Policy. Text message and data may apply. Reply HELP for help. Reply STOP to cancel.This is an advertisement for Churchill Mortgage. Advertising fees paid by Churchill Mortgage are in no way dependent upon any referral of settlement service business or a particular consumer transaction with Churchill Mortgage. Ramsey Solutions and its affiliates do not warrant the services or products of Churchill Mortgage, nor does Ramsey Solutions make any promise or guarantee related to any services rendered by Churchill Mortgage. Transacting business or communicating with Churchill Mortgage is at your sole discretion. Any services rendered by Churchill Mortgage are solely that of Churchill Mortgage. By submitting your information, you are consenting to being redirected to a third party site, Ramsey Solutions does not warrant third party sites, and it is not responsible for the information contained in such sites. Churchill Mortgage Corporation, NMLS #1591 ( is an Equal Housing Lender. For more information, go to

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How It Works

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Shop for your dream home!

Get a Competitive Edge With Churchill Mortgage

We get it—the current housing market is nuts, and it may feel like you’re never going to snag your dream home. But you can get a competitive edge and stand out in the market when you finance with Churchill Mortgage. Here’s why we recommend Churchill:

Close on Your Home Faster

Becoming a Churchill Certified Home Buyer means getting the heavy lifting of the mortgage process out of the way up front. Here’s how:

  • You’ll get a preapproval with up-front underwriting. 
  • You could close on your home 7–10 days faster.
  • It’s the next best thing to a cash offer.
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Secure Great Rates

Shopping with Churchill’s Rate Secured program guarantees you’ll get a great rate on your home. Here’s how it works:

  • Secure a low interest rate and keep it for 90 days. Need more time? You can renew at the same rate for another 90 days!
  • Rates go up? Yours stays the same. Rates go down? You get the lower rate!
  • Be empowered to find the right home on your timeline—even if the market changes.

Get a $10,000 Seller Guarantee

To get your dream home in this market, you need to stand out from other buyers. That’s why Churchill offers a $10,000 Seller Guarantee!

Once you’re a Certified Home Buyer, Churchill has done the underwriting legwork and you’re ready to make an offer. And if you don’t close due to your qualifications or financing, Churchill will cut the seller a check for $10,000. This gives the seller extra confidence in picking your offer over the competition’s.

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RamseyTrusted logo

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).

Teresa and Dan ⭐⭐⭐⭐⭐
“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 ⭐⭐⭐⭐⭐

Steven ⭐⭐⭐⭐⭐
“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 ⭐⭐⭐⭐⭐

Andrew and Tammi
“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

Amber ⭐⭐⭐⭐⭐
“I would recommend Churchill mortgage to ANYONE. My daughter, 26 years old, is working hard to get her 20% down payment for her first house.  It's only a matter of time before Churchill will be helping her get the keys to her new home.”

Amber ⭐⭐⭐⭐⭐

David ⭐⭐⭐⭐⭐
“We had tried to use a couple of different mortgage companies that we had connections with, but every time we brought up my wife's no-credit score we were told 'Just get a credit card for a few months, that'll help.' Churchill walked us through everything we needed to get not just the right mortgage, but the one we could afford and helped us stay on plan–they even coached us on NOT borrowing more than we had stipulated even if we technically could swing it on a few properties in the process.”

David ⭐⭐⭐⭐⭐

Frequently Asked Questions

We get it—mortgages can be confusing. But we’ve got you covered.
Check out the FAQs below to answer your general and Churchill-related mortgage questions.

Churchill Mortgage does things differently than your average mortgage 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 a mortgage that gives you more power, clarity and peace.

While most mortgage lenders don’t offer loans without a credit score, Churchill Mortgage accommodates this type of loan on a regular basis with expertise.

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
  • Becoming a Certified Home Buyer
  • Processing Your Loan
  • Underwriting Your Loan
  • Closing on Your New Home 

The documents needed to apply for a mortgage include (but are not limited to): 

  • Income Verification (such as the last two years’ tax returns, W-2s, 1099s, pay stubs, etc.) 
  • Driver’s License 
  • Social Security Card 
  • Bank Statements 
  • Proof of Funds to Close 

Churchill offers many useful loan options, including: 

  • Conventional 
  • FHA 
  • VA 
  • USDA 
  • Jumbo 
  • No Credit Score 

Preapproved is good, but certified is the best. Becoming a Churchill Certified Home Buyer is the gold standard and positions you almost as if you are offering cash for a home. Not only does this help you shop for your new home with more confidence, but we’re also finding offers are getting accepted more quickly and clients can close on their home sooner. When competition is high, it’s important to present the most trustworthy offer by becoming a Churchill Certified Home Buyer.

Mortgage rates fluctuate often, which is why protecting yourself with Churchill’s Rate Secured program is so important. Have peace of mind that you are receiving the lowest possible rate.

It’s a quick-and-dirty calculation that lets you know roughly how much mortgage you’d be approved for. Here’s what it’s not: It’s not a step toward getting approved for a mortgage. Why not? Because all you need to do to be prequalified is share some financial numbers (real or fake) with a lender who can let you know if you’re pre-qualified. So while it’s an essential first step, don’t let your prequalification mislead you into months of research and high hopes, only to have those dreams dashed against the reality of the hard numbers.

standard preapproval is a step beyond prequalification. Submitting your financial documents for your lender to review means this step takes a little more time. But doing the math is worth it because you’ll be able to see what you can truly afford before you start looking for a house. Notice that pre in front of approval? It’s there to remind you that even if you get it, a mortgage underwriter hasn’t reviewed your file yet. To reach the best long-run outcomes for your money, there are two guidelines to keep in mind as you head into the mortgage process: Put at least 10% down (20% is even better because it lets you avoid Private Mortgage Insurance), and make sure your monthly payments are 25% or less of your take-home pay. Have those amounts worked out before house hunting, so you don’t get lured into a house outside your comfort zone. Just because you’re approved for a big loan doesn’t mean you can afford it.

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.

Am I financially ready to buy a house?
Home Buying

Am I Ready to Buy a House?

Wondering if you’re ready to buy a house? That’s a smart question to ask before making one of the largest financial decisions of your life. Here are the top things to consider.

Ramsey Ramsey