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Are You Ready To Refinance??

Find out if it makes sense to refinance your home.

Could You Benefit from a Refinance?

Refinancing your home loan is a decision that requires careful consideration, especially in today's economy. So, whether you want to lower your interest rate, change your loan term, eliminate mortgage insurance, or renovate your home, we’ll keep your goals top of mind.

Answer the following questions to help determine if now is a good time for you to refinance or if you should wait. Let's get started!

Please Provide a Reason to Refinance:

What is Your Current Mortgage Type?

Conventional: Conventional loans are ideal for borrowers with good credit and a stable income. They are the most common type of mortgage loan and are not insured by the government.

FHA: Insured by the Federal Housing Administration, FHA loans are popular among first-time home buyers due to lower credit score requirements. They are a great option for those who might not qualify for a conventional loan.

VA: VA loans are a benefit for veterans, active-duty service members, and certain members of the National Guard and Reserves. They offer competitive interest rates and often require no down payment or mortgage insurance.

Other: This category includes a variety of non-traditional loan options such as USDA loans for rural home buyers, jumbo loans for properties exceeding conforming loan limits, and adjustable-rate mortgages with varying interest rates.

Please Select a Property Type:

Tell Us About Your Current Mortgage

Knowing more about your current mortgage is crucial when determining whether refinancing your home makes sense.

Current Interest Rate: The difference between your current homes interest rate and current mortgage market rates is a key factor when making the decision to refinance.

Current Monthly Payment: Knowing your current payment provides a starting point for your housing budget. For example, if your budget has grown you may consider refinancing to a shorter term to save on interest.

*If you do not know the exact number, please estimate this payment. Please include taxes and insurance if known.

Please Enter an Interest Rate
Please Enter a Monthly Payment

Tell Us More About Your Current Mortgage

Knowing more about your current mortgage is crucial when determining whether refinancing your home makes sense.

Current Mortgage Balance: Understanding your current mortgage balance is essential in the refinancing process because it allows you to accurately assess the amount you need to refinance and evaluate if the new loan offers substantial financial benefits.

Estimated Home Value: Understanding the estimated value of your home is a critical factor in refinancing. The value determines your home's equity and influences the loan-to-value ratio, which lenders use to assess risk and decide on your loan terms.

*If you do not know the exact number, please estimate this payment.

Please Enter a Monthly Payment
Please Enter a Monthly Payment

Location, Location, Location!

The location of your home significantly impacts its market value, which in turn influences the refinancing terms you can secure. Lenders consider location to assess property value stability and potential growth, which impacts interest rates and loan approval chances.

* If you are relocating to another state, "Property State" should reflect the state you will be relocating to.

Please Select a State:
Please Estimate your Monthly Taxes and Insurance. If unkonwn, enter 0.

Estimate Your Credit Score

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

Knowing your credit score can be your key to unlocking better financial opportunities. If you have a credit score and it's in the "good" to "excellent" FICO range (740-850), you will have access to better interest rates and lower payments.

Your Credit Score:

Are You Paying Mortgage Insurance?

Private Mortgage Insurance (PMI) is a type of insurance that is required by lenders if a borrower has a down payment of less than 20% of the home’s purchase price. PMI is common with conventional loan types.

Mortgage Insurance Premium (MIP) is a type of insurance that is required if a borrower has an FHA loan.

Are You Paying Mortgage Insurance?:

Have You Missed or Made any Late Payments in the last 12 months?

Late Payments Last 12 Months?:
Please Enter a Name
Please Enter a Last Name
  We won't share your information.
Please Enter a Valid Email Address

Lastly, we need to verify a phone number.

Enter your phone number and we'll text you a 6-digit security code to verify we're sending the report to the correct person. 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 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 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.

Thank You!

Next Steps for Refinancing  
DOWNLOAD OUR REFINANCE GUIDE
Your Responses:  
Refinance Goal: Lower Monthly Payment
Current Loan Type: Upsizing
Current Interest Rate: Primary Residence
Current Monthly Payment: Single Family Home
Current Mortgage Balance: $1,234
Estimated Home Value: 5.5%
Estimated Taxes & Insurance: $1,235.00
Estimated Credit Score: FAIR

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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