Mortgage Loans

Low-cost loans that are designed exclusively for churches

Discover competitive borrowing options for your upcoming church building project—matched with competitive rates and expert consultation

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Loans designed exclusively for churches

The Cornerstone Fund offers competitively-priced and low-fee loans—from hundreds of thousands to multiple of millions of dollars—that are specifically designed to meet the unique needs of churches and non-profit organizations.

In fact, since 1993, the Cornerstone Fund has supported more than 625 local United Church of Christ (UCC) congregations and other UCC-affiliated ministries and organizations with low-cost loans totaling more than $200 million.

Many churches and organizations actually find that the Cornerstone Fund offers a better financing packaging than a local bank. Plus, since the Cornerstone Fund only works with churches and nonprofit organizations, the Fund understands your unique needs and can offer both lending expertise and flexibility that you won’t find anywhere else.

A wide-range of loan options for your congregation’s unique needs

Since the Cornerstone Fund limits its lending to congregations and non-profit organizations, its team of experts works with your congregation—your pastoral team, building committee, capital campaign committee, and more—to find the best loan option for your congregation.

The Cornerstone Fund offers two types of mortgage loans:

  • Fixed Rate Loan
    A secured fixed rate loan (both new and refinanced) can be used for property purchases, repairs and improvements (including construction loans), and redevelopment. This loan offers amortization terms of five years.
  • Adjustable Rate Loan
    One-, three-, or five-year adjustable rate loans can be used for property purchases, repairs, improvements, and redevelopment, as well.
Say hello to more cash. Every year.

When enrolled in the Cornerstone Fund’s Church Cashback Program as an active loan customer, you can earn up to $10,000 cash back each year! Receive cash back each year based on your loan and investment balances. Enroll today, receive your welcome packet, and then begin to invite your congregation to invest with the Cornerstone Fund personal investment options and they will simply designate your church on their investment applications. See you Welcome Packet for specific cash back calculations and restrictions.

Mortgage loans that support your congregation’s growth plans

Cornerstone Fund low-cost mortgage loans can be used for a variety of building projects, including:

Many congregations also look to the Cornerstone Fund for loan refinancing.

Not sure if you’re ready to borrow?

The Cornerstone Fund has recently partnered with the Hope Partnership, a program that uses a national, ecumenical network of trained facilitators and coaches that assists both struggling (and thriving congregations) to move into financially sustainable, life-transforming mission.The Hope Partnership offers four consulting services.

  • New Beginnings, a six-month facilitated and coached process for congregations facing sustainability challenges
  • Epiphany, a one-year facilitated and coached process for churches ready to imagine and live into their future ministry story
  • Mission Pathways, an individualized, three-month self-guided service for healthy congregations looking at new ways to do ministry
  • Recasting, a one-year process that brings together up to six congregations to form and launch their own future ministry options.