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

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?

If you're unsure, take your best guess.

Tell us about yourself.

Don't worry—we don't sell personal info around here.

You'll get a confirmation email from Churchill Mortgage.

Phone Number Verification

We want to make sure this number belongs to you, so we’ll send you a one-time verification code.

Standard messaging and data rates apply. Only U.S. numbers are allowed at this time.

Phone Number Verification

We just sent a code to . Please enter it below.

Didn't get it?

You're almost there . . .

Churchill loan specialists usually call within 30 minutes.

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

If you don't schedule a call, a Churchill Mortgage Advisor will contact you as soon as they can.

Oops! There seems to be a hiccup with your email.

Double check to make sure your email is correct.

You'll get a confirmation email from Churchill Mortgage.

Hmm, something went wrong.

Try one of these options:

  1. Check your internet connection
  2. Refresh the Page
  3. Contact us at 866-523-8473

Sending your info to Churchill . . .

How It Works

phone icon


Tell us what you need.

checkmark icon


Get preapproved with a

house icon


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.
drawing of a calendar with dates crossed out
drawing of a shield with a lock in the center

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. 
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

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.

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.

Refinancing your home mortgage empowers you to lower your interest rate, reduce monthly payments, remove mortgage insurance and/or change your home loan type.

In addition to lowering your interest rate, refinancing allows you to

  • Remove PMI 
  • Change loan term 
  • Switch loan type 
  • Reduce total interest paid

Churchill offers two popular refinance loan options, including: 

  • 15-year fixed-rate conventional mortgage 
  • 30-year fixed-rate conventional mortgage

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)

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  

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.

Closing costs are a part of the refinancing process and can include: 

  • Credit fees 
  • Appraisal fees 
  • Escrow fees 
  • Title fees 
  • Homeowners insurance 
  • Taxes 

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 refinancing
Home Buying

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 Ramsey
refinancing mortgage
Home Buying

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 Ramsey
Should I Refinance My Mortgage?
Home Buying

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.

Ramsey Ramsey