ADVERTISEMENT
  • About
  • Contact
  • Testimonials
  • Demographics & Advertising Rates
Thursday, January 21, 2021
Search
    Generic filters
    California Business Journal
    62 °f
    Los Angeles
    57 ° Fri
    53 ° Sat
    51 ° Sun
    50 ° Mon
    48 ° Tue
    50 ° Wed
    • Front Page
    • Business
      • Insurance
      • Real Estate
    • Finance
      claiming gambling losses on your taxes

      Can you claim gambling losses on your taxes?

      Nicholas Yrizarry

      In Perfect Alignment

      Invest-in-Your-Childs-Future

      Start Investing Now For Your Child’s Future

      IMG 8554 - From a “Wish List” to a “Reality List”

      From a “Wish List” to a “Reality List”

    • People
    • Featured
      solar-panels

      The Rising Phenomena of Solar Energy Hits A New Gear in California

      Silicon V Real Instituto

      The Entrepreneurs ‘Angell’

      West Gary, MinTech’s Chief Technical Officer2

      Dust Buster

      Flags-of-the-world

      The Impact of Covid: Racing to Buy Second Citizenships

      Photonic Chip

      The First Photonic Chip Has Arrived. What Does That Mean For Augmented Reality?

    • Technology
      West Gary, MinTech’s Chief Technical Officer2

      Dust Buster

      Plaxonic Technologies Innovate

      Plaxonic Technologies: Leading Innovation

      tech devises of the future - Latest Devices to Make Our Lives Easier

      Latest Devices to Make Our Lives Easier

      hands of business people typing on a keyboard - Should You Start An Online Business: 4 Things To Consider First

      Should You Start An Online Business: 4 Things To Consider First

    • Law
      law books

      Career paths available with a law degree

      background-check

      How Do Background Check Sites Find Your Information?

      hurricane

      Weathering the Storm

      tower-bridge-london-england

      How to apply from the USA to one of the most famous law universities in the UK

    • News
      Reborn Cabinets, Anaheim, Calif.

      BBB Torch Awards Recognize Orange County Businesses

      AB3088

      California COVID-19 Rent Relief Policies Economically Unsustainable

      american-flag

      Dreamers Won Full Restoration of DACA…What Now?

      Airplane Landing

      London Heathrow one step closer to controversial third runway

    • Human Interest
      • Food
      • Art & Culture
    • Education
      Benjy Grinberg

      NEW TODAY … Philanthropy Corner: 7 California Businesses That Support Education

      california-consumer-privacy-act

      How CCPA Has Impacted Businesses

      OIP 2 - Silicon Valley's Celltrio is utilizing the design theory popularized in LEGO building sets to automate lab processes for harvesting cultured cells.

      Silicon Valley’s Celltrio is utilizing the design theory popularized in LEGO building sets to automate lab processes for harvesting cultured cells.

      Reborn Cabinets, Anaheim, Calif.

      BBB Torch Awards Recognize Orange County Businesses

    • Health & Fitness
      The Surprising Link Between Gut Health and Mental Health - The Surprising Link between Gut Health and Mental Health

      The Surprising Link between Gut Health and Mental Health

      Eesha Patel feature

      Multi-Dimensional Reality

      166521182

      One Hour Each Morning for the Remaining 23

      87 CBN vs CBD How Are the Benefits Different - Commonly Asked Questions About CBD Oil in the USA

      Commonly Asked Questions About CBD Oil in the USA

    California Business Journal
    • Front Page
    • Business
      • Insurance
      • Real Estate
    • Finance
      claiming gambling losses on your taxes

      Can you claim gambling losses on your taxes?

      Nicholas Yrizarry

      In Perfect Alignment

      Invest-in-Your-Childs-Future

      Start Investing Now For Your Child’s Future

      IMG 8554 - From a “Wish List” to a “Reality List”

      From a “Wish List” to a “Reality List”

    • People
    • Featured
      solar-panels

      The Rising Phenomena of Solar Energy Hits A New Gear in California

      Silicon V Real Instituto

      The Entrepreneurs ‘Angell’

      West Gary, MinTech’s Chief Technical Officer2

      Dust Buster

      Flags-of-the-world

      The Impact of Covid: Racing to Buy Second Citizenships

      Photonic Chip

      The First Photonic Chip Has Arrived. What Does That Mean For Augmented Reality?

    • Technology
      West Gary, MinTech’s Chief Technical Officer2

      Dust Buster

      Plaxonic Technologies Innovate

      Plaxonic Technologies: Leading Innovation

      tech devises of the future - Latest Devices to Make Our Lives Easier

      Latest Devices to Make Our Lives Easier

      hands of business people typing on a keyboard - Should You Start An Online Business: 4 Things To Consider First

      Should You Start An Online Business: 4 Things To Consider First

    • Law
      law books

      Career paths available with a law degree

      background-check

      How Do Background Check Sites Find Your Information?

      hurricane

      Weathering the Storm

      tower-bridge-london-england

      How to apply from the USA to one of the most famous law universities in the UK

    • News
      Reborn Cabinets, Anaheim, Calif.

      BBB Torch Awards Recognize Orange County Businesses

      AB3088

      California COVID-19 Rent Relief Policies Economically Unsustainable

      american-flag

      Dreamers Won Full Restoration of DACA…What Now?

      Airplane Landing

      London Heathrow one step closer to controversial third runway

    • Human Interest
      • Food
      • Art & Culture
    • Education
      Benjy Grinberg

      NEW TODAY … Philanthropy Corner: 7 California Businesses That Support Education

      california-consumer-privacy-act

      How CCPA Has Impacted Businesses

      OIP 2 - Silicon Valley's Celltrio is utilizing the design theory popularized in LEGO building sets to automate lab processes for harvesting cultured cells.

      Silicon Valley’s Celltrio is utilizing the design theory popularized in LEGO building sets to automate lab processes for harvesting cultured cells.

      Reborn Cabinets, Anaheim, Calif.

      BBB Torch Awards Recognize Orange County Businesses

    • Health & Fitness
      The Surprising Link Between Gut Health and Mental Health - The Surprising Link between Gut Health and Mental Health

      The Surprising Link between Gut Health and Mental Health

      Eesha Patel feature

      Multi-Dimensional Reality

      166521182

      One Hour Each Morning for the Remaining 23

      87 CBN vs CBD How Are the Benefits Different - Commonly Asked Questions About CBD Oil in the USA

      Commonly Asked Questions About CBD Oil in the USA

    Search
      Generic filters
      California Business Journal

      ‘PEOPLE OVER PROFIT’

      by Rick Weinberg, Editor-in-Chief, California Business Journal
      A A
      4 1 - 'PEOPLE OVER PROFIT'
      Share on FacebookShare on Twitter

      High values, education and integrity are the hallmark of Mike Hardwick and his company, Churchill Mortgage.

      Rick mug w beard good one CROPPED TIGHTER - 'PEOPLE OVER PROFIT'BY RICK WEINBERG, CALIFORNIA BUSINESS JOURNAL

      When Mike Hardwick launched Churchill Mortgage in 1992, his intention was to keep it small. He envisioned it would be a two-person operation where “I would be the one turning the lights on at 9 a.m. and turning them off at 5 p.m.,” he says.

      Well, in less than five years, Churchill grew to an eight-person staff with $2 million in gross revenue. Today, it has more than 400 employees in 40 states – the latest being California — with nearly $2 billion in loan volume.

      It shows you what can happen when you do things the right way for the right reasons.

      “Never in my wildest dreams did I ever think things would turn out as they have,” Hardwick says.

      Hardwick formed Churchill Mortgage with only the best intentions – for employees and clients. It continually ranks among the best workplace environments, and it comes as no surprise that the company’s motto is “People over Profit,” a saying from Hardwick’s 85-year-old father, a former pastor.

      Hardwick also recently established an Employee Stock Ownership Plan (ESOP) that gives his employees 49 percent ownership in the company itself.  He actually relinquished close to half of his stock when the plan was formulated. Additionally, the company continually and traditionally gives back to its communities with a number of intriguing financial and educational programs, including teaching middle grade and high school students the dynamics of debt-free homeownership.

      That’s right — Hardwick’s mortgage company cares more about its clients living a debt-free homeownership existence rather than paying them huge fees for 30 years — or longer.

      mike profile - 'PEOPLE OVER PROFIT'
      Mike Hardwick

      “Our approach to lending is a little counter-intuitive to what the industry encourages,” says Nick Williams, California area manager for Churchill Mortgage. “A lot of our clients and borrowers come to us because they respect our approach to lending and our focus on them achieving debt-free homeownership. We never overlook the long-term financial implications of getting into a mortgage.”

      As the owner of a small condo conversion business in Tennessee, Hardwick achieved success early in his career. However, a downturn in the economy forced the business to close, sending Hardwick down a different path. The poor economy had a similar impact on his childhood neighbor in Nashville, Dave Ramsey. Yes – the same Dave Ramsey who now hosts the most popular financial radio program in the country.

      Related

      human-resources-concept

      Op-Ed: The Intersection of HR and Tech to Create Better Workplaces

      January 20, 2021
      Benjy Grinberg

      NEW TODAY … Philanthropy Corner: 7 California Businesses That Support Education

      January 20, 2021
      Load More

      They would meet at cheap hamburger spots – “because that was all we could afford,” Hardwick says — to discuss what they could do to get out of debt.

      “We’d mostly sit there crying in our cup of water,” Hardwick says.

      It was over hamburgers that Ramsey shared his idea to start a radio show that focused on helping people to avoid debt and getting out of debt altogether. Hardwick became Ramsey’s first sponsor.

      Today, they both focus on helping others better their own financial situations.

      “At Churchill Mortgage, we’re passionate about helping people achieve financial health,” Hardwick says of his company’s philosophy. “We educate and guide them toward a smarter mortgage plan. We want them to achieve debt-free homeownership.”

      ramsey - 'PEOPLE OVER PROFIT'
      Dave Ramsey

      He is quick to point out that Americans have over $2 trillion in consumer debt and more than 30 percent have no extra cash, forcing them to live paycheck-to-paycheck.

      “Financial education is the first step towards healthier financial decisions and overall financial freedom,” he says.  “We educate our clients on the biggest financial decision of their lives. We want them to be educated on what a mortgage will mean to their overall financial strategy. Our motto is to make your home a blessing, not a burden.”

      As Hardwick also likes to say, “We possess the heart of a teacher.”

      Hardwick doesn’t just talk the talk. He has aligned the company with the communities it operates in, supporting the needs of families and individuals and sponsoring events such as Financial Literacy Month, which is dedicated to teaching Americans how to establish and maintain healthy habits. As a part of the program, Churchill provides Ramsey’s Foundations of Personal Finance curriculum to local high schools across the country.

      More than three million students have been touched by the program – and everyone raves about it from teachers and students to parents.

      Hardwick didn’t stop there with his community involvement. His company also instituted a Young Entrepreneur contest in which it awards $35,000 in cash and prizes to aspiring companies in its communities that share Churchill’s values.

      ADVERTISEMENT

      The winner of the contest was Nisolo, a global shoe and jewelry producer, headquartered in Nashville. Dedicated to ensuring their products are ethically sold and produced, Nisolo’s employees craft hand-made shoes and jewelry in countries such as Peru, Mexico and Kenya and receive, at a minimum, fair trade wages, healthcare and a sustainable working environment. Similar to Churchill’s initiatives, Nisolo offers an in-house financial education program, helping families send their children to college, save for their retirement and build their dream homes.

      “Service in the care of others is one of our top priorities here at Churchill, regardless of position or financial standing,” says Joe Detmer, San Diego branch manager for Churchill Mortgage. “This philosophy closely aligns with our mission to put borrowers on a smarter mortgage plan to achieving debt-free homeownership, and we consider it a privilege to go beyond achieving our business goals and serve our communities directly.”

      hardwick ramsey - 'PEOPLE OVER PROFIT'
      Mike Hardwick being interviewed by Dave Ramsey

      Hardwick comes from a close-knit Southern family. His father was a pastor for 60 years, and Hardwick speaks about his father in glowing terms, calling him his hero. “He always stressed ‘people over profit,’” Hardwick says.

      Hardwick learned his values through his father, mother and siblings and has carried that torch through Churchill’s offices all over the U.S., hiring model employees who treat clients with upmost respect.

      “Our mission is to help you find the best path to owning your home free and clear, regardless of your starting point,” Hardwick says. “If you’re buying a new home, we’ll help you find the right strategy to pay off that house quickly so you can have more financial freedom. We are different from other mortgage companies. We believe in a better kind of American dream: debt-free homeownership. The culture in the U.S. tells everyone you will always have a mortgage, but we know that’s just not true.”

      screener 2 - 'PEOPLE OVER PROFIT'

       

      Contact

      Churchill Mortgage

      333 S. Anita Dr. Suite 825

      Orange, CA 92868

      (714) 283-8222

      Attention: Nick Williams

      www.ChurchillMortage.com

      Tags: AmericanCACaliforniaCalifornia mediachildrenChurchill MortgagecollegeConsumer debtcultureDave Ramseydebt-free homeownershipDiegoeconomyeducationemployeesentrepreneurfinanceFinancial Literacy MonthfocusFoundations of Personal FinancehealthhealthcarehealthyhostsinitiativesintegrityloanlocalLos Angeles Business JournalLos Angeles business mediaLos Angeles Business NewsMexicoMikeMike HardwickmortgageOrange County Business JournalretirementSan DiegoSan Francisco business mediasustainableteachertrade

      Get real time update about this post categories directly on your device, subscribe now.

      Unsubscribe
      ADVERTISEMENT
      Previous Post

      PINK HILL

      Next Post

      There Are No Throw-Away Marketing Materials

      Rick Weinberg, Editor-in-Chief, California Business Journal

      Rick Weinberg, Editor-in-Chief, California Business Journal

      Rick Weinberg is Editor-in-Chief at California Business Journal. He is a well-known journalist, writer, reporter and on-air talent who has worked for the New York Times, FOX and ESPN. He launched California Business Journal to focus on California businesses and business professionals as well as California business news and information. Contact: Rick@CalBizJournal.com / 949-648-3815

      WHAT TO READ NEXT

      human-resources-concept
      Business

      Op-Ed: The Intersection of HR and Tech to Create Better Workplaces

      January 20, 2021
      Benjy Grinberg
      Education

      NEW TODAY … Philanthropy Corner: 7 California Businesses That Support Education

      January 20, 2021
      california-consumer-privacy-act
      Education

      How CCPA Has Impacted Businesses

      January 20, 2021
      mind-consciouness-neuroscience
      Featured

      Empathy in AI

      January 19, 2021
      boxing-gloves
      Human Interest

      Mystical Phenomena

      January 19, 2021
      OIP 2 - Silicon Valley's Celltrio is utilizing the design theory popularized in LEGO building sets to automate lab processes for harvesting cultured cells.
      Featured

      Silicon Valley’s Celltrio is utilizing the design theory popularized in LEGO building sets to automate lab processes for harvesting cultured cells.

      January 19, 2021
      Next Post
      4 - There Are No Throw-Away Marketing Materials

      There Are No Throw-Away Marketing Materials

      Follow Us

      ADVERTISEMENT

      Categories

      • Art & Culture
      • Business
      • Editor's Choice
      • Education
      • Featured
      • Finance
      • Food & Dining
      • Health & Fitness
      • Human Interest
      • Insurance
      • Law
      • Marketing
      • Medical
      • News
      • People
      • Popular
      • Real Estate
      • Social Media
      • Technology
      • Uncategorized

      CBJ Partner Firebrand Media

      Laguna Beach Independent Newspaper

      Laguna Beach Magazine

      Laguna Beach City Guide

      On The Menu Laguna Beach

      Newport Beach Independent Newspaper

      Newport Beach Magazine

      Newport Beach Country Club Magazine

      Coastal Real Estate Guide (NB,LB, CDM)

      Montage Magazine

      Monarch Beach Resort Magazine

      Pacific Coast Magazine (SoCal)

      Omni Escapes Hotel Magazine

      Sea Island Life Magazine

      Salamander Hotel & Resorts Magazine

      Bespoke Concierge New York

      Evans Hotels

      View our entire portfolio here

      ADVERTISEMENT
      ADVERTISEMENT
      Facebook Twitter LinkedIn LinkedIn Instagram
      C B J   LOGO  SVG-01
      • About
      • Contact
      • Testimonials
      • Demographics & Advertising Rates

      Newsletter

      Top Stories

      • Judge gavel, scales of justice and law books in court

        Lawsuit Basics: How Much Does It Cost to Sue Someone?

        0 shares
        Share 0 Tweet 0
      • REPORT: TECH GIANT CISCO ABOUT TO LAY OFF 14,000

        0 shares
        Share 0 Tweet 0
      • The DealMaker

        0 shares
        Share 0 Tweet 0

      Latest Articles

      human-resources-concept

      Op-Ed: The Intersection of HR and Tech to Create Better Workplaces

      January 20, 2021
      Benjy Grinberg

      NEW TODAY … Philanthropy Corner: 7 California Businesses That Support Education

      January 20, 2021
      california-consumer-privacy-act

      How CCPA Has Impacted Businesses

      January 20, 2021

      California Business Journal | California Business News, California News Media, California business articles | Orange County, Los Angeles, San Diego, Inland Empire, Northern California, San Francisco | Huntington Beach CA 92649 | (949) 648-3815
      ALL RIGHTS RESERVED BY CALIFORNIA BUSINESS JOURNAL.
      Site Design by 1REALTOUR

      Search
        Generic filters
        • Front Page
        • Business
          • Insurance
          • Real Estate
        • Finance
        • People
        • Featured
        • Technology
        • Law
        • News
        • Human Interest
          • Food
          • Art & Culture
        • Education
        • Health & Fitness

        California Business Journal | California Business News, California News Media, California business articles | Orange County, Los Angeles, San Diego, Inland Empire, Northern California, San Francisco | Huntington Beach CA 92649 | (949) 648-3815
        ALL RIGHTS RESERVED BY CALIFORNIA BUSINESS JOURNAL.
        Site Design by 1REALTOUR

        Do NOT follow this link or you will be banned from the site!