Establishing relationships. Exceeding expectations.

Churchill Commercial Capital is a commercial real estate advisory and mortgage banking company based in Scottsdale, Arizona. We pride ourselves in being the reliable consultants that borrowers and lenders trust to help achieve their goals. This means the first order of business in every loan Churchill originates is to gain the confidence of our clients on both sides of the table. We accomplish this goal by providing personalized service combined with a knowledgeable and fair-minded approach that exceeds expectations.

We are proven experts at structuring highly complex financial transactions that satisfy the capital needs of our clients and the investment objectives of our lenders. But more importantly, we strive to establish and cultivate vital, lasting relationships that result in the long-term success of those who depend on us.

Securing financing for our clients is just the beginning of our relationship with them. Through our loan servicing operation in Scottsdale, Arizona, we service loans for our correspondent lenders, providing continuity of service throughout the life of the loan. A majority of the time, if your loan originates with Churchill Commercial Capital, it stays with Churchill Commercial Capital. As a result, we have the ability to provide personal, hands-on service and remain available to our clients, ready to meet their ongoing needs.

Reputation and integrity are not just words to us. They are guideposts by which we conduct our business and the foundation on which we build our success and yours.


Reliable analysis and personal service.

Churchill Commercial Capital employs a staff of experienced and sophisticated mortgage banking specialists engaged in loan origination and servicing for income-producing real estate. We assess and underwrite loans with insight, superior expertise and state-of-the-art technology, in order to meet our objective of quick and clean closings.

Churchill Commercial Capital – Company Principals & Culture

Cindy and Ray Hammond have owned and managed successful commercial mortgage banking companies for more than 30 years. Churchill Commercial Capital is widely known and associated with excellence in placing commercial real estate loans and equity investments. Churchill’s consistent emphasis on quality of analysis and lender and investor knowledge results in a staff of professionals consistently capable of high performance and reliability, even on complex deals.

We believe work should complement life in a positive way, not replace life. Toward that end, Churchill has for more than a decade offered remote working options. This allows attending the kids’ soccer tournament (as an example), but not missing a critical message that otherwise might have kept you at work, glued to a computer.

Our office environment has open areas to facilitate collaboration, as well as private offices. At those times when one needs to concentrate, the closed door indicates the desire to focus and not be interrupted. Teamwork is essential to our success, and our staff works together to achieve the optimum outcome on all transactions.


A consistent record of high loan production.

Churchill Commercial Capital has arranged billions in financing with deal sizes ranging from $1 to over $100 million. for clients since our formation in 1994.  Each year, we originate hundreds of millions of dollars of loans and equity investments secured by properties located throughout the western United States.  Transactions include acquisition financing, refinancing of existing mortgages, bridge loans, construction financing, mezzanine loans, forward commitments, and joint venture equity. By working closely with all of our lenders, we have been able to structure a varied representation of recent financings, ranging from apartment buildings and hospitality properties to retail, industrial, office, senior housing and medical space. We excel at matching the lender with the borrower, and negotiating optimal terms to meet the needs of both.


Loan Types Offered:
  • Acquisition Financing—Permanent, Floating or Bridge Loans
  • Refinancing—Permanent, Floating or Bridge Loans
  • Construction Financing
  • Joint Ventures
  • Equity and Mezzanine Financing
  • Distressed Debt Financing
  • Revolving Line of Credit Financing
Property Types:
  • Multi-Family and SFR Housing
  • Retail Properties
  • Industrial Buildings
  • Office Buildings
  • Senior Housing
  • Self-Storage Properties
  • Manufactured Housing
  • Hospitality Properties
Loan Terms:
  • Fixed or variable interest rate
  • Maturities on permanent loans from 2 to 40 years
  • Amortization schedules vary with loan request — 15 to 30 years is typical, interest only on qualified loans
  • Loan-to-value ratios of up to 80% (up to 90% with mezzanine or participating debt)
  • Majority of our loans are non-recourse except for carve-out provisions


Consistent and accurate service for both lender and borrower.

Churchill Commercial Capital services a diverse portfolio of commercial and multifamily loans for our correspondent lenders.  We offer accurate, efficient and responsive loan servicing from CCC’s offices in Scottsdale, Arizona.  Our experienced staff  handles all aspects of loan servicing, including administration of escrow and impound accounts using state-of-the-art technology that incorporates strict security features.

Our cashiering servicing portfolio is composed of loans secured by commercial property located in Arizona and other Western states.  We also provide subservicing, non-cashiering services to additional lenders. On securitized loans we originate, we offer subservicing which allows us to advise our CMBS borrowers on securitized servicing issues.

Services include:

  • Payment collection and remittance
  • Escrow account administration and compliance monitoring
  • Property inspections
  • Loan reviews
  • UCC monitoring
  • Tax and insurance compliance monitoring
  • Lease approval processing
  • Assumption request processing
  • Payoff request processing
  • Borrower financial statement review
  • Loan document compliance testing
  • Market analysis
  • Cash Management Trigger Consulting
  • Workouts


Maintaining a national presence as part of a broad network.

Churchill Commercial Capital is a founding member of Real Estate Finance Associates (REFA), a national organization of independent mortgage banking firms that evolved from the pioneering James W. Rouse Company, the commercial mortgage affiliate of the famous regional mall developer. Each of the founding REFA member firms had either been an original Rouse regional office or had one or more principals who had worked for the Rouse organization.With nine REFA companies and 28 offices around the country, REFA gives Churchill Commercial Capital a national perspective and deep resources from which to draw.