Church Loans

The typical down payment requirement for a church or congregation is 25% to 30% like most conventional commercial loans. Even though church loans are not conventional they have many of the same requirements. That would include the down payment and the ability to repay the loan as well as the history of repayment. Additionally the history of the Church and the Pastor are important. There is a point that the strength of the church is based on the ability of the Pastor to keep the church engaged in doing the work of the Lord. There comes a point where the congregation is more important than the Pastor in the eyes of the lender. That takes a while. There must be a mark of financial stability before the lenders make loans solely on the church financial statements. At the point the church is financially stable, there may be an opportunity to put a less money down, maybe only 20%.

10% Down Payment

If the church can only put 10% down to purchase a property there are a few of creative ways to allow them to only put that down. They are seller second mortgage, cross collateralizing or if a member will lend part of the down payment to the congregation as a second mortgage. We will review each of these options explaining how they work.


Go to Church Loans Now for more information.

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