Can you afford to hire more staff? Call us we can help you make an informed decision.   ----------  The Church Finance Ministry provides free consultation services to affiliated Southern Baptist Churches   ----------  Need help developing your church's annual budget? Call us we can help   ----------  The average sanctuary being built in America today contains 22 square feet per seat.   ----------   The interest and fees churches pay on our loans support NAMB missions!   ----------   NAMB has provided loans to thousand's of SBC affiliated churches   ----------   CFM is a free resource of NAMB, isn't it time you called the experts   ----------   How can you safely customize a debt service specific to your congregation's need? Call us we can help   ----------   CFM welcomes the opportunity to consider loan requests from qualified SBC affiliated churches, regardless of their size or age   ----------   We are about more than just lending our mission is to strengthen your church   ----------   Which bank loan makes the most sense for your church? Call us we can help   ----------   Will the land your church is buying meet your long-term needs? Call us we can help   ----------   How many people can the average church accommodate on one acre of land? The answer….125…Call us we can help   ----------   If your church is maxed out on space, and you don't have a master plan, you may already be 3 years behind in your building needs   ----------   Volunteer Construction, Design-Build, Custom Architecture…Need help making sense of it all?  Call us we can help   ----------   NAMB has trained experts strategically positioned throughout North America ready to help your church with its facility planning and finance needs   ----------   Need help in qualifying a contractor? Call us we can help   ----------   The interest paid by churches on NAMB loans help jump start the Nehemiah Project in each of the SBC's seminaries   ----------   Your church's partnership with CFM is helping NAMB in its work with church planting throughout North America and our Strategic Focus Cities emphasis   ----------  

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The Church Finance Ministry of the North American Mission Board offers a range of products and services tailored to help meet the needs of qualified SBC-affiliated churches. 

Our small loans may be used for a variety of needs, including minor remodeling or repair projects, or if your church is shopping for a new bus or sound system this product could be used for financing that too. 

We also offer permanent loans for small, medium, and large acquisitions and building projects. These loans are usually used for constructing a new worship center or even relocating your church to a new location. 

If you have completed a capital funding campaign but need to build right away, we have a product specifically designed to meet this need, see our 'Pledge Loan' for more information. 

Interim financing for construction projects may also be available. Call your church finance consultant today for more details. You may also view below our detailed list of loan Products. Your consultant will work with you and recommend which product may best suit your churches unique situation. 

Product Offerings 

Construction Loans 

Used to finance construction of a new facility or remodeling of an existing facility. Financing costs are reduced for the borrower, as interest is paid only on the amount drawn against the loan.

  • Term is usually one year or less
  • Competitive interest rate
  • Origination Fees - 1% of loan amount
  • Loan can convert to First Mortgage Loan with NAMB for no additional origination fee or closing costs

Permanent Loans 

Used to provide financing for purchasing properties, refinancing existing loans (including construction loans), financing renovation projects, financing equipment/furniture purchases or other special needs.

First Mortgage Loan

  • Secured by first lien on real estate of church
  • Term is up to 20 years
  • Competitive interest rate 'NAMB's Standard 3-year or 5-year Adjustable Rate Mortgages'
  • Origination Fees - 1% of loan amount

Minimum Documentation Loan

  • Reduced documentation requirements as compared to First Mortgage Loan
  • Secured by first or second lien on the real estate of church
  • Term is up to 20 years
  • Interest Rate - NAMB Standard Rate (plus 0.50% for first five year period, 5-year ARM)
  • Origination Fees - 1% of loan amount
  • Maximum loan size is $250,000

Small Loan

  • Loan may be unsecured
  • Term is up to 7 years
  • Interest Rate - NAMB Standard Rate plus 1.00%, adjusted annually
  • No origination fee
  • Maximum loan amount is $50,000

Second Lien Loan

  • Secured by second mortgage on real estate of church
  • Maximum loan is $1,000,000
  • Term is up to 20 years
  • Competitive interest rate (NAMB Standard Rate or NAMB Standard Rate plus 1.0% if another lender has first lien)
  • Origination Fees - 1% of loan amount

Capital Fund Raising Loan

  • Secured by first or second mortgage on real estate of church and a security interest in pledges
  • Capital Fund drive must be completed by approved professional fund raising company
  • Term equal to remaining term of capital stewardship program (maximum 3 years)
  • Interest Rate - NAMB Standard Rate
  • Origination Fees - 1% of loan amount

All products are subject to change without notice. For additional information please contact your regional consultant.


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