Churchill Mortgage · Lender
Churchill Mortgage
Review published mortgage options and requirements, then request a personalized quote from the lender.
Availability: Programs are for select loan types only and are not available in all states or locations.
At a glance
- Credit requirement
- no credit score
Still to confirm: Borrower type, Property use, Reserves.
Our take: Pros & Cons
What we like
- Conventional, FHA, VA and USDA no-score paths are advertised.
- Manual underwriting considers eligible nontraditional credit or housing payments.
- Conventional no-score guidance includes a documented 12-month payment history with housing.
What to consider
- No credit score does not mean no payment-history documentation or guaranteed approval.
- Manual underwriting can require additional documentation and a longer review.
- Programs are not available at all times or in all locations; confirm the selected program with Churchill.
AI-generated lender-level assessment based on published information. Not a verified assessment of No Score - VA; confirm program-specific conditions below.
Additional lender considerations
- Visa, SSN, ITIN, foreign-credit and foreign-income eligibility remain unconfirmed.
Newcomer requirements
No Score - VA
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Foreign / alternative credit pathway
- The VA No-Score home loan program follows VA loan guidelines and allows eligible borrowers with no credit score to qualify using eligible non-traditional credit or housing payments.
- Minimum credit score
- no credit score
- Income documentation
- Your mortgage will be manually underwritten so more documentation may be needed than a traditional mortgage.
View full lender requirements
- Foreign / alternative credit pathway
- The VA No-Score home loan program follows VA loan guidelines and allows eligible borrowers with no credit score to qualify using eligible non-traditional credit or housing payments.
- Minimum credit score
- no credit score
- Income documentation
- Your mortgage will be manually underwritten so more documentation may be needed than a traditional mortgage.
Questions to confirm with the lender (15)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum down payment
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
- Occupancy
- Other conditions
Requirements last reviewed: Oct 26, 2026 · Official requirements source
Rates and costs
No Score - VA
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
No Score - VA
- Your mortgage will be manually underwritten so more documentation may be needed than a traditional mortgage.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Manual underwriting paths for eligible borrowers without a traditional credit score, including separate conventional, FHA, VA and USDA no-score programs. Documented alternative payment history and program-specific review are required.
Legal lender: Churchill Mortgage Corporation
Lending channel: Direct lending
Provider type: Mortgage company
Lending channels: Direct lending. Origination status: Active.
NMLS identifier: 1591
More lender directory information
Direct application information ↗
Programs are for select loan types only and are not available in all states or locations.
Directory verified: 2026-10-26 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 26, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.