works with non-conventional lenders who are ministry oriented.  They obtain the funds they lend out from the retirement pensions of pastors and reinvest them into The Kingdom.  The tithes and offerings used to make your payment go to build other churches big and small.  This assures your congregation that the monthly payment you make will not go towards financing any projects or activities of a secular nature.  The strength of our lenders is in the billions of dollars and they have been around for decades. 

Our Rates

            Interest rates are always the first topic of discussion.  Our lenders base the rate they offer on many factors but the top three are:

1.      Time in existence - How long has the church been around (minimum 2 years)

2.      Financial strength - The ability to pay the debt without causing stress to your congregation.

3.      Loan to Value - The amount borrowed in comparison to the value of the building being built or purchased (maximum 70% LTV never 100% of sales price)

Other factors include but are not limited to membership, district support, and cash on hand.

The rate can range from 6% to 9.75% depending on what type of loan product you choose and the factors stated above.  Please talk to one of our Ministry Development Officers for a more specific rate. 

*Rates, points and fees are subject to change and cannot be guaranteed. Many factors affect a loan's interest rate, such as property type, loan amount, or a borrowers credit-worthiness, and the information contained herein is not a credit-approval or an offer to extend credit, as defined by paragraph 226.24 of regulation Z. For more comprehensive and up to the minute rate information please contact us directly.*