Church Loans

View Loan Guidelines | Loan Application

Since 1992, the Foundation has provided loans to help churches and agencies finance their missional dreams. From new construction, to paving parking lots, to upgrading buildings for daycare centers or outreach ministries, the Foundation offers a low-hassle, below-market option for funding improvements that can lead to enhanced ministry. 

The money comes from investments in our Stable Value Portfolio. The interest on each loan provides revenue to churches and agencies who have invested their funds with us. It's a cycle of giving and receiving that supports the ministry of United Methodists here in the Northwest, today and for the future. Download a loan brochure here. 

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Is My Church Eligible?

Any United Methodist church or agency within the bounds of the Pacific Northwest, Oregon-Idaho, and Alaska Annual Conferences is eligible for a loan.

What Can We Use the Loan for?

Loans are available for capital improvement projects such as new building construction, additions, and remodeling on both church facilities and parsonages.

How Much Can We Borrow?

Qualified churches can borrow up to 70% of the total project cost.

What Are the Terms?

Loan amortization depends on several factors including the size of loan and the church's/agency's ability to service the debt. Currently, the longest term available is twelve years.

Interest Rates?

Rates are fixed for four years and then reviewed each following fourth year. Adjustments, both up and down, can be made upon each four-year anniversary of the loan.

What Are the Fees?

With the exception of short-term construction financing, there are no loan fees.

Are Loans Secured?

Yes. A first mortgage position is required on all loans.

How Do We Apply?

Click on one of the following links to download our loan form. Then please fill it out completely and return via email/mail using the email/street address below. We look forward to supporting your vision for ministry!

View Loan Guidelines | Loan Application