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 HOME LOAN PROGRAM 

Worried About Interest Rates?

Lock in your rate early and protect yourself from market changes.

Are you buying a home or refinancing.?

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When are you planning to buy a home?

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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..

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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.

Thank You!

Thank you for choosing Churchill Mortgage to help you with your home loan needs!

Our team is already hard at work connecting you with your Home Loan Specialist. Rest assured that we've received your request and will be in touch with you shortly.

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No More Mortgage Rate Rollercoasters.

 Don't let fluctuating interest rates derail your home buying plans. Our Rate Secured program keeps you in control.

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Market Volatility Protection

We shield you from unexpected rate jumps. Your rate stays locked in.

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Rate Goes Down? You Win!

Interest rates drop? We'll automatically adjust to the lower rate for you.

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Zero-Cost Rate Protection

We've got your back with a rate cap that won't cost you a penny. 

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Extended 90-Day Security

Take your time finding the perfect home with 90 days to shop and an option to extend.

Rate Secured Is Best for...

Home buyers who are trying to keep up with a fast-moving, competitive market where rates can shift quickly. If you want the confidence of a locked-in rate while searching for homes at your own pace, this program is for you.

How Rate Secured Protects You

Understand how the Churchill Mortgage Rate Secured program shields you from market uncertainties.

What Do Our Customers Think?

"The Churchill team provided knowledgeable updates to make sure I was informed of the process and what was required. The ability to lock a rate was easy and I felt I was given great information to make a decision for my financial stability."

- Samuel B. ★ ★ ★ ★ ★

"I had switched to working with Churchill and compared to other mortgage lenders, they were such a breath of fresh air. I felt welcomed from the first phone conversation to the approval of my loan and rate secured."

- Caleb, C. ★ ★ ★ ★ ★

Ready To Secure Your Mortgage Rate?

Protect yourself from market volatility and lock in your low rate today.

Secure Your Rate

 (FAQ) 

Frequently Asked Questions About Churchill Mortgage’s Rate Secured Program

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What is the Rate Secured program from Churchill Mortgage?

Rate Secured is a no-cost program that allows home buyers to lock in a mortgage rate for up to 90 days while shopping for a home. It protects you from interest rate increases and gives you peace of mind during a volatile market. If rates drop while you’re still searching, you’ll automatically get the lower rate.

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Who should use Churchill Mortgage's Rate Secured program?

Rate Secured is ideal for home buyers in a competitive market who want rate protection while taking the time to find the right home. It’s also great for buyers concerned about market fluctuations and interest rate hikes during their search.

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What happens if interest rates go down after I lock my rate with Churchill Mortgage's Rate Secured program?

Good news—you win either way. If rates drop during your Rate Secured window, Churchill will honor the lower rate automatically. That way, you’re protected from rising rates but still benefit if the market shifts in your favor.

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Can I combine Rate Secured with other Churchill Mortgage programs?

Absolutely. Rate Secured works well with our Certified Home Buyer program and $10,000 Seller Guarantee as part of the Home Buyer Edge suite. Together, these tools give you more confidence, stronger offers, and a smoother buying process.

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How do I lock in my mortgage rate with Churchill Mortgage's Rate Secured program?

To get started, click here to connect with a Churchill Loan Officer. We’ll walk you through the quick process to lock in your rate and begin your home buying journey with confidence.

*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.

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.