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Church Financing and Commercial Loans for Church Properties

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Church Commercial Mortgage Program

Crefcoa is a national Church lending specialist and commercial mortgage intermediary providing financing to Churches and Religious Communities in all 50 states and the District of Columbia.


Crefcoa's seasoned Church Loan Specialists have the experience and knowledge to provide customized financing for the Religious Community and help ensure the mortgage process flows smoothly and effortlessly.


Commercial Loans for Churches - Church Financing


Church financing is available for the refinancing or acquisition of existing, stabilized Churches and other Religious Organizations where the commercial mortgage is secured by commercial real estate. Small Church loans, under $2,000,000, are available on a case by case basis.


  • Minimum Church Loan Size is $2,000,000
  • Loan Collateralized by Commercial Real Estate - No Business Only Financing
  • Church financing is not available for construction or start ups
  • Multiple financing options available
  • 5 and 7 Year Fixed Rates
  • 15, 20, 25, & 30 Year Amortizations
  • Flexible Prepay Options
  • 55%-75% LTV
  • Minimum 660 Credit Score
  • 3 Years of Historical Income Req.
  • Low Minimum 1.50 DSCR


For qualified borrowers and organizations, Crefcoa offers stated income commercial Church loans to $1 million. Full recourse is required with a minimum credit score requirement of 620 - currently not available.


Learn more about Crefcoa's church commercial property loans by requesting a commercial loan quote online, or contact a church commercial mortgage loan professional at 1-844-359-6413.


Church loans and financing are available to qualified borrowers in most market sectors. Contact a religious community lending professional to learn more.


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Commercial real estate loan availability -- including LTV, DSCR, and loan size -- may vary depending on property location, economic conditions, exposure, and other variables that may negatively influence risk. Loan programs and program guidelines (including, without limit, fees, rates and features) are subject to change. Information provided is not an offer to make a loan and should be used for informational purposes only.