Church Mortgage Loans

Permanent financing solutions for established church properties

Why Choose CCEF Mortgage Loans?

Our permanent mortgage solutions provide stable, long-term financing for churches that have completed construction or are purchasing existing properties.

Competitive Rates

Fixed and variable rate options with terms designed specifically for church financing needs.

No Prepayment Penalties

Pay off your loan early without additional fees, giving you financial flexibility.

Fast Processing

Streamlined approval process with dedicated support from our experienced loan team.

Mortgage Loan Specifications

Loan Terms

Loan Amount$50,000 - $10,000,000
Loan-to-Value (LTV)Up to 75%
Term Length5 - 25 years
Rate OptionsFixed & Variable
Prepayment PenaltyNone

Eligible Properties

  • Existing church buildings and sanctuaries
  • Fellowship halls and educational buildings
  • Multi-purpose ministry facilities
  • Administrative offices and parsonages
  • Land acquisition for future development

Simple Application Process

Our streamlined process gets you from application to funding quickly and efficiently.

1

Submit Application

Complete our online application with basic church and project information.

2

Document Review

Our team reviews your financial documents and property information.

3

Underwriting

Professional underwriting with church-specific expertise and understanding.

4

Closing & Funding

Quick closing process with funds available for your ministry needs.

Requirements & Documentation

Financial Requirements

  • • Debt Service Coverage Ratio (DSCR) of 1.20x or higher
  • • Stable giving history for at least 2 years
  • • Adequate cash reserves for operations

Required Documentation

  • • 3 years of audited financial statements
  • • Current year budget and interim financials
  • • Property appraisal (if refinancing)
  • • Church constitution and bylaws
  • • Board resolutions authorizing the loan

Property Requirements

  • • Professional property appraisal
  • • Environmental assessment (Phase I)
  • • Property insurance with lender as loss payee
  • • Clear title with title insurance

Frequently Asked Questions

What is the minimum loan amount?

Our minimum mortgage loan amount is $50,000, making our program accessible to churches of all sizes.

How long does the approval process take?

Typically 30-45 days from complete application to closing, depending on the complexity of the transaction.

Can we refinance an existing mortgage?

Yes, we offer refinancing options that may help reduce your monthly payments or access equity for ministry expansion.

Are there any origination fees?

Our fee structure is competitive and transparent. Contact us for a detailed fee schedule based on your loan amount.

Ready to Secure Your Church's Future?

Our experienced loan specialists are here to help you find the right mortgage solution.

Monday - Friday: 8:00 AM - 5:00 PM EST

Email: loans@churchextensionfund.org