 Learn more about our ministry and get exclusive email updates by registering for The Legal Insider. ...of the Fresh Start program and new laws that may allow us to negotiate a settlement for the lowest amount possible. Team Canales with Churchill Mortgage. Get pre-approved with a low down payment as low as zero or three percent. Veterans and first-time homebuyers. Maybe you want a second home or to refinance. Team Canales will find you the right loan at the best rate. Home loans to fit your lifestyle and save you money. I'm Katie Canales. I'm Tricia Parker. And I'm Courtney Benson.