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Your Trusted Mortgage Team 

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.

 

Are you buying a home or refinancing?

Where are you planning to buy a home?

Please Select a State

When are you planning to buy a home?

What is your timeline?:

What is your full name?

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Please Enter a Last Name

What is your email address?

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

Next, we need to verify a phone number.

Enter a Valid Phone Number
Please Select a Message Type

Please Select Yes or No

Enter your phone number and we'll text you a 6-digit security code to verify it's you. By checking "Yes, I would like to receive text messages," you are consenting to receive recurring marketing/account notifications from Churchill. 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. SMS consent is not extended to third parties. For more information, read our Privacy Policy, Mobile Policy and Terms & Conditions.

Enter the 6-digit code sent to your device.

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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.

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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Already working with someone at Churchill?

Find Your Home Loan Specialist

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Home Affordability Calculator - STANDALONE

How Much House Can You Afford?

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.

$20K $500K

Enter your monthly debts, like car payments, credit cards, or student loans.

$0 $10K

Mortgage programs have downpayment requirements, from 3%, 20%, or even 0%!

$0 $200K
The debt-to-income ratio is too high for this calculator.

Discuss your options with a mortgage expert with Brown & Co.. Call 615-767-5137 or request a call back.

Affordable Home Price:

$123,456.78

Affordable Risky

Debt-to-Income Ratio: 5%


Monthly Payment Breakdown:

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.


Ask us about these Popular Loan Programs!

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Our Suite of Home Loan Products & Programs

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Conventional Loan Programs

• 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

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Specialty Loan Programs

• 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

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Business / Investor Loan Programs

• Blanket Mortgage (DSCR) (Broker Only)
• DSCR (Debit Service Coverage Ratio)
• Loans in an LLC (Broker Only)
• Multi-Family 5-8 Units (DSCR) (Broker Only

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Government Loan Programs

• 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

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Non-Conforming Loan Programs

 Conventional, FHA, VA Construction to Perm (One-Time Close)
• Jumbo Construction to Perm (Two-Time Close)
• Land/Lots
• Renovation

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Construction Loan Programs

• Blanket Mortgage (DSCR) (Broker Only)
• DSCR (Debit Service Coverage Ratio)
• Loans in an LLC (Broker Only)
• Multi-Family 5-8 Units (DSCR) (Broker Only

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Non-QM Loan Programs

• 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.

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