Churchill Mortgage

The path to homeownership starts here!

“We have written many mortgages using Alternative Credit, but eCredable® allows us to make this process easier and faster for the customer and ourselves.” - Mike Hardwick, CEO

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eCredable has teamed up with Churchill Mortgage to help people who don’t have a FICO® Score qualify for a home loan. Whether you’re a first-time homebuyer or an experienced homeowner Churchill Mortgage has competitive rates and the expertise you need to plan ahead and navigate the home-buying process from start to finish.

How eCredable can help you qualify for a home loan through Churchill Mortgage.

eCredable enables you to create an AMP Credit Report® and AMP Credit Rating® based on bills not typically reported to the national credit bureaus. Churchill Mortgage can use your alternative credit bill payment information from rent, utilities, insurance, cable TV, mobile phones and other bills when evaluating you for a home loan when you don’t have a traditional credit score.

This checklist outlines some basic criteria for a loan application with Churchill Mortgage using an AMP Credit Report:

  1. Green Checkmark

    You cannot have a FICO Score. Your credit file cannot contain a bankruptcy or collection notice.

  2. Green Checkmark

    Make sure you have a minimum of four (4) alternative credit bills (accounts) that have been “paid as agreed” for the last 18 months, with one of them being a rental or lease payment.

  3. Green Checkmark

    Have at least a 20% down payment.

  4. Green Checkmark

    Your AMP Credit Rating needs to be an “A” or “B”.

Churchill Mortgage is licensed to do business in the following states: Gold Star

Green Checkmark

Churchill's Preferred Provider Network has been established to provide the highest quality service to those who live in areas where Churchill Mortgage is not currently licensed. These friends of Churchill go through intensive training to ensure your satisfaction with your loan process.

If you need to call a Preferred Provider in your area, the toll free number 1-888-562-6200 will automatically direct you.

Ready to open the door to your new home?

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Sign Up Now, LLC., (Hereafter eCredable) is not a lender, broker or financial institution and as such is not involved in any decision to extend or deny credit. eCredable does not warrant, endorse or guarantee service or products of any lender and does not guarantee any rates, points, fees or loan programs posted through or by our network of lenders. Nothing contained herein shall constitute an offer or promise for a loan commitment or specific interest rate agreement; and is not liable for any damages or costs of any type which arise out of or in connection with your use of any service provided by the lender you select.

Important Notices: The interest rates, annual percentage rates (APRs), discount points and rebates shown are subject to change without notice. The monthly payment amount shown includes principal, interest and mortgage insurance only. Your actual monthly payment will be higher if an escrow/impound account is established or required. Your APR will vary based on your final loan amount and finance charges. Call (615) 370-8888 for current rates and terms.

About Churchill Mortgage
Churchill Mortgage is a prominent and financially sound leader in the mortgage industry, providing conventional, FHA, VA and USDA residential mortgages across 31 states. Unique within the industry, it is the only mortgage lender endorsed by nationally syndicated radio personality and personal finance expert and author, Dave Ramsey. Through its consultative approach to lending and strong commitment to local communities, the lender focuses on the right loan product for each borrower, providing the education and tools necessary to ensure borrowers’ financial stability. For more information about Churchill Mortgage, visit

Third Party offers appearing on are presented without warranty or guarantee for quality, service, savings, earnings, or terms and/or conditions; and do not represent all offers or companies that may be available to you. It is important for you to review and understand the offer(s) you select, as you are solely responsible for evaluating the terms and conditions, validity, and potential savings of any offer. assumes no responsibility for products supplied by, services rendered by, or arrangements made with, any third party., LLC., cannot guarantee your approval with any credit offer based upon the information contained in your AMP Credit Report®; or your success in obtaining any third party offer., LLC., strongly supports transparency on all areas of our website. may be compensated for your purchase of products or services offered on our website that are not created, owned, licensed, or otherwise materially controlled by, LLC., LLC, is not a “credit repair” organization as defined under federal law, including the Credit Repair Organizations Act., LLC, does not provide credit repair services, advice, or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit scores with the three national credit reporting agencies, Equifax, Experian or TransUnion.