
As your trusted mortgage experts, we pride ourselves on delivering personalized guidance and exceptional care, ensuring that every step of the process is as comfortable and stress-free as possible.
Whether you're a first-time homebuyer or looking to refinance, we're here to pilot you through the process with professionalism, expertise, and a personal touch. Let's embark on this exciting journey together, and we'll help you reach your destination—home.
Home Affordability Calculator - STANDALONE
Estimate a home price you can afford based on your income, debts, and budget.
Enter your annual income before tax. For self-employed, average the last 2 years.
Enter your monthly debts, like car payments, credit cards, or student loans.
Mortgage programs have downpayment requirements, from 3%, 20%, or even 0%!
Discuss your options with a mortgage expert with Brown & Co.. Call 615-767-5137 or request a call back.
Affordable Home Price:
Debt-to-Income Ratio: 5%
Monthly Income: $1,234
Mortgage Payment: $1,234
Debts: $1,234
Remainder: $1,234
Down Payment: $1,234
Down Payment: 17%
This calculator is being provided for educational purposes only. The provided values for interest rates are examples only and do not reflect Churchill Mortgage Product terms & offers. The results are estimates that are based on information you provided and may not reflect Churchill Mortgage Product terms. The information cannot be used by Churchill Mortgage to determine a customer's eligibility for a specific product or service.
These calculations are hypothetical examples designed to for illustration purposes only. Consult a Home Loan Specialist for more specific information regarding payments, terms, etc.



• 100% Gift Funds
• Cash-out Refi TX (a)(6)
• Family Opportunity
• High Balance
• HomeOne
• Home Possible/Home Possible Advantage
• HomeReady
• No Score
• Manufactured Homes
• Rate Secured
• Refi Now
• Second Home and Investment Properties
• Temporary Buydowns
• Bridge Loan
• Condotel (Broker Only)
• DPA Conventional
• DPA Government
• Extended Rate Cap
• Fixed 2nds
• HELOC (Broker Only)
• ITIN program/Foreign National (Broker Only)
• Medical Professional Program
• Reverse (HECM) (Broker Only)
• Rural Living and Hobby Farm Property Type
• TX Bridge Loan
• Blanket Mortgage (DSCR) (Broker Only)
• DSCR (Debit Service Coverage Ratio)
• Loans in an LLC (Broker Only)
• Multi-Family 5-8 Units (DSCR) (Broker Only
• 184-Native American Loans
• 203h Disaster Victim
• 203k (Broker Only)
• FHA Good Neighbor Next Door
• FHA High Balance
• FHA Manufactured Housing
• FHA Streamline
• FHA Temporary Buydowns
• FHA/VA 5/1 ARM
• FHA, VA, and USDA No Score
• USDA Manufactured Housing
• VA 100% Financing
• VA High Balance
• VA IRRRL
• VA Manufactured Housing
Conventional, FHA, VA Construction to Perm (One-Time Close)
• Jumbo Construction to Perm (Two-Time Close)
• Land/Lots
• Renovation
• Blanket Mortgage (DSCR) (Broker Only)
• DSCR (Debit Service Coverage Ratio)
• Loans in an LLC (Broker Only)
• Multi-Family 5-8 Units (DSCR) (Broker Only
• 1-Year 1099
• 1-Year Profit & Loss Statement
• 40-Year Interest Only
• Asset Utilization
• Bank Statement (Up to 90% Expense Ratio)
• Business Bank Statement
• DSCR (Up to 4 Units)*– Closing in Natural Persons Name
(Broker Only if closing in LLC or Vesting in LLC)
• Non-Warrantable Condo
• Personal Bank Statemen
For more than 20 years, Michael Brown has built and led Brown & Co. at Churchill Mortgage around one goal: helping people make confident home loan decisions.
Based in the Nashville area, his team has guided thousands of home buyers and built relationships with hundreds of real estate agents nationwide. Whether you're buying your first home, moving, or refinancing, Brown & Co. will take the time to understand your goals, explain your options, and help you move forward.