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Unlock TN Mortgage Benefits
Discover Exclusive State Programs for First Responders, Active Military, Veterans, Police, Firefighters, and EMTs
 
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Claim Tennessee's Special Mortgage Benefits Today

Tennessee's Homeownership for Heroes is a Home Loan Program that offers financial assistance along with these added benefits:

  • Reduced interest rate by half a percentage point (0.5%)
  • Waive requirements to be a first-time homeowner
    • *for qualified military or veterans
  • Borrow up to 100% of home’s purchase price with a VA or USDA-RD loan or 96.5% with FHA loans

Connect with Dan Kraus, your local Mortgage Expert today to see if you are eligible for these benefits. 

Do you currently rent or own your home?

Owning a home is a wealth-building tool that will pay off through equity increases and price appreciation.

What is your current monthly rent payment?

Your current rent payment is a helpful starting point when determining how much house you can afford.

Please Enter a Monthly Payment

Where are you planning to buy a home?

It’s important to consider the location of a home when looking to buy as it can have a long-term impact on your quality of life, property value, and investment potential.

Please Select a State

What is your total budget for monthly housing costs?

Budgeting for costs outside of your monthly mortgage payment is essential to home buying success.

Please Enter Your Monthly Housing Budget

What is the price of homes you are interested in?

Home price is an important factor when buying a home. This helps determine financing options, home affordability, and down payment options.

Please Enter a Price of Homes you are Interested in.

Enter the total amount available for Down Payment

The more cash you put down up front, the lower your monthly mortgage payment will be and the quicker you’ll be able to pay off your home.

Please Enter a Down Payment Amount

Can you estimate your credit score?

An estimated credit score helps determine loan eligibility, down payment requirements, interest rates, and loan terms.

Your Credit Score:

When are you planning to buy a home?

Establishing a timeline helps you plan and organize the stages and tasks when buying a home.

Your Purchase Timeline:

What is your full name and email address?

Providing your full name and email address helps to confirm your identity and ensures you receive timely communications.

Please Enter a Name
Please Enter a Last Name
Please Enter a Valid Email Address
  We won't share your information.

Lastly, we need to verify a phone number.

Enter your phone number and we'll text you a 6-digit security code to verify it's you. Standard texting and data rates may apply. Message frequency may vary. Text the word HELP to 615-488-4941 for more information. You can opt out by responding STOP at any time. For more information, read our Privacy Policy, Mobile Policyand Terms & Conditions.

Enter a Valid Phone Number
Please Select a Message Type

Enter the 6-digit code sent to your device.

 Code sent to +1234567890

By submitting this form, I/we agree to your Privacy Policy, Email and Mobile 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 SMS text messages sent by an automatic telephone dialing system. Message and data rates may apply. Message frequency may vary. Text the word HELP to 615-488-4941 for more information. You can opt out by responding STOP at any time. For more information, read our Privacy Policy, Mobile Policyand Terms & Conditions. Consent to these terms is not a condition of purchase.

Your answer will NOT negatively affect your mortgage application. Your answer does not mean the Lender or Other Loan Participants agree to communicate or provide documents to you in your preferred language. However, it may let them assist you or direct you to persons who can assist you. Language assistance and resources may be available through housing counseling agencies approved by the U.S. Department of Housing and Urban Development. To find a housing counseling agency, contact one of the following Federal government agencies. U.S. Department of Housing and Urban Development (HUD) at (800)569-4287 or www.hud.gov/counseling

Es probable que su transacción de préstamo hipotecario suceda en inglés. Por medio de esta pregunta, solicitamos información para determinar si existen comunicaciones disponibles a su servicio, en su idioma preferido. Sírvase tener en cuenta: posiblemente NO hay comunicaciones disponibles en su idioma preferido.

Finally, how did you hear about us?

Please Select an Option

By submitting this form, I/we agree to your Privacy Policy, Email and Mobile 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 SMS text messages sent by an automatic telephone dialing system. Message and data rates may apply. Message frequency may vary. Text the word HELP to 615-488-4941 for more information. You can opt out by responding STOP at any time. For more information, read our Privacy Policy, Mobile Policyand Terms & Conditions. Consent to these terms is not a condition of purchase.

Your answer will NOT negatively affect your mortgage application. Your answer does not mean the Lender or Other Loan Participants agree to communicate or provide documents to you in your preferred language. However, it may let them assist you or direct you to persons who can assist you. Language assistance and resources may be available through housing counseling agencies approved by the U.S. Department of Housing and Urban Development. To find a housing counseling agency, contact one of the following Federal government agencies. U.S. Department of Housing and Urban Development (HUD) at (800)569-4287 or www.hud.gov/counseling

Es probable que su transacción de préstamo hipotecario suceda en inglés. Por medio de esta pregunta, solicitamos información para determinar si existen comunicaciones disponibles a su servicio, en su idioma preferido. Sírvase tener en cuenta: posiblemente NO hay comunicaciones disponibles en su idioma preferido.

Topics to discuss with your Home Loan Specialist:  
 
Rent or Own: RENT
Current Housing Payment: $1,235.00
Monthly Housing Budget: $1,234.00
Purchase Timeline 3 Months
Est. Credit Score:
FAIR
Some mortgage programs and home loan types may have minimum credit score requirements.

When applying for a mortgage your credit score can play a big role in determining your interest rate and the loan programs available to you. Typically, the higher your credit score the lower your interest rate will be.

Click here to learn more about credit scores and buying a home.

If you’re looking for ways to improve your credit score, here are three options:

  1. Check your credit report and scan for any errors.
  2. Check your budget. Look at what’s coming in vs. what’s being spent. You can then cut costs in areas and put that money toward paying down debt, if necessary.
  3. Make payments on time, even if they’re the minimum amount.

Improving your credit score takes time, but I can help you find the right mortgage plan for you, even if you’re working on your credit.

Click here to learn more about credit scores and buying a home.

Purchase Price:
$123,456.00
Down Payment:
$12,345.00
10%
There may be a minimum down payment requirement depending on your loan program and type.

Not all down payments are created equal. In fact, they’ll vary based on your loan type. While 20% down is considered the ideal down payment, it is not necessary to start building equity through homeownership.

Many loan programs will require mortgage insurance if you do not put down a specific amount. For example, for conventional loans PMI is required if your down payment is less than 20%. And for FHA loans, MIP is required regardless of down payment amount.

Click here to learn more about down payments and buying a home.

 
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YOUR NEXT STEPS
  1. Let's Talk: Schedule a call!
  2. Save this Document Checklist and gather your documents
  3. Meet with your Home Loan Specialist
  4. Check out free mortgage resources
Home Buyer Starter Kit

Calculations for your monthly payment matching your housing budget are based on your budget and estimated interest rate and 30 year loan term. Results are estimates that do not include lender fees, taxes, and/or insurance.

For educational purposes only and do not reflect Churchill Mortgage product terms & offers. The information cannot be used by Churchill Mortgage to determine eligibility for products or services. Churchill Mortgage is not responsible for the results or the accuracy of information.

Consult a Home Loan Specialist for specific loan guidelines.

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Dan Kraus headshot

Dan Kraus

| NMLS ID: 40222

Company NMLS ID: 1591; (www.nmlsconsumeraccess.org) See full license

Office:

615-767-5208

Mobile:

615-414-4553

Submit an Application View my Calendar Save My Contact!

Proudly Serving: Alabama, Connecticut, Florida, Georgia, Kansas, Kentucky, Massachusetts, Mississippi, Oklahoma, Tennessee, Texas, California, Virginia, Missouri, New Jersey, Indiana

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Program Benefits

Target
Reduced Interest Rate (0.5%)

Homeownership for Heroes is a type of Great Choice Home Loan that offers financial assistance along with these added benefits:

  • Reduced interest rate by half percentage point (0.5%)
Approved
Waived FTHB Requirement

Homeownership for Heroes is a type of Great Choice Home Loan that offers financial assistance along with these added benefits:

  • Waive requirements to be a first-time homeowner in all areas of Tennessee for qualified military or veterans

 

Budget 2
100% LTV for VA or USDA loans

Homeownership for Heroes is a type of Great Choice Home Loan that offers financial assistance along with these added benefits:

  • Borrow up to 100% of home’s purchase price with a VA or USDA-RD loan or 96.5% with FHA loans
Budget 2
96.5% LTV for FHA

Homeownership for Heroes is a type of Great Choice Home Loan that offers financial assistance along with these added benefits:

  • Borrow up to  96.5% with FHA loans

Eligibility Factors

military
Active Duty Military

The Homeownership for Heroes program is available to:

  • Active Duty Military, National Guard, and Veterans

  • State and Local Law Enforcement Officers
  • EMTs/Paramedics
  • Firefighters
military
National Guard

The Homeownership for Heroes program is available to:

  • Active Duty Military, National Guard, and Veterans

  • State and Local Law Enforcement Officers
  • EMTs/Paramedics
  • Firefighters
military
Veterans

The Homeownership for Heroes program is available to:

  • Active Duty Military, National Guard, and Veterans

  • State and Local Law Enforcement Officers
  • EMTs/Paramedics
  • Firefighters
leo
State and Local Law Enforcement Officers

The Homeownership for Heroes program is available to:

  • Active Duty Military, National Guard, and Veterans

  • State and Local Law Enforcement Officers
  • EMTs/Paramedics
  • Firefighters
health
EMTs / Paramedics

The Homeownership for Heroes program is available to:

  • Active Duty Military, National Guard, and Veterans

  • State and Local Law Enforcement Officers
  • EMTs/Paramedics
  • Firefighters
fire
Firefighters

The Homeownership for Heroes program is available to:

  • Active Duty Military, National Guard, and Veterans

  • State and Local Law Enforcement Officers
  • EMTs/Paramedics
  • Firefighters

Customer Reviews

Trusted by home buyers across the nation

30,000+

Reviews

4.84

Avg. Rating

Score: 5.0

Extremely smooth and fast transaction. All my questions were answered in a timely matter. Very happy with my experience!

Michael H.
Woodburn, OR
Aug 24th, 2021
Score: 5.0

The staff at Churchill were excellent. They were always available to answer any questions I had. It was a very positive experience!

Nicola M.
White House, TN
Aug 24, 2021
Score: 5.0

This is our first home purchase and Churchill made everything as easy as possible. Their communication and flexibility with our unique circumstances (also having our first baby at the same time!) were stellar and they kept us up to date and informed regularly. I cannot recommend them enough!

Evan Anthony N.
Mountlake Terrace, WA
Aug 24, 2021
Score: 5.0

Professional and expedient. A trusted partner helping us to navigate the home-buying process. Thanks team!

Jeremy F.
Raleigh, NC
Aug 25, 2021

*The Churchill Certified Home Buyer program is not a commitment to lend funds and is not an approval but 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. 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 (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 the 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.

*Rate Secured is available on 30-year conventional conforming and high-balance fixed-rate loans. Rate Secured is not available on government high balance, construction to permanent, or investment property home loans.

Daniel J Kraus NMLS ID: 40222; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org); AL-50034 ; CA-CA-DFPI40222, Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act, under Churchill Mortgage Corporation, which will do business in California as Churchill Mortgage Home Loans; CT-LO-40222 ; FL-LO56902; GA-48441, under company license GA-23146; IN-68152; KS-LO.0032594, Kansas Licensed Mortgage Company; KY-21911; MA-MLO40222; MO-40222, Churchill Mortgage, Missouri Branch located at 2300 MAIN ST STE 900, Kansas City, MO 64108-2408; MS-40222; NJ-Mortgage Loan Originator, licensed by the N.J. Department of Banking and Insurance; OK-MLO02459; TN–105626; TX-SML Mortgage Loan Originator; VA-MLO-70158VA, Churchill Mortgage Corporation of TN; 1749 Mallory Lane, Suite 100, Brentwood, TN 37027; Tel: 888-562-6200; All other states, Churchill Mortgage Corporation

As a responsible lender, Churchill Mortgage is committed to the principles outlined in federal and state lending laws ensuring all potential borrowers have access to the same information, services, and opportunities throughout the home loan process.

Want to Get Started? Here's Your Next Steps!

1. Connect with your local Home Loan Specialist
2. Determine your eligibility for the program
3. Get Pre-Approved and claim your Home Buyer Edge!
Check Your Eligibility!