Frequently Asked Questions

Does The Church have to pay any fees upfront?

No. The Church Lending Group will not charge any fees upfont. The Church does not pay anything until we actually present the contract to provide financing to the The Church. At this point we will have negotiated the lowest possible interest rate for your Ministry. The scope of our services will be not only to simply look for financing for your Church, but rather deliver an acceptable option of financing for your Church Project. Unlike others who are paid when the financing package is presented to and accepted by The Church, we are actually paid when your loan is funded by the lending Institution.

Does the Financial Analysis cost anything to complete?

No. Our Financial Analysis is a FREE tool to not only determine your qualifications in pursuit of financing, but also to provide you with a technical insight of your current financial standing which we will take the time to explain to you as you pursue your Ministerial goals.

Is The Church under any type of obligation to The Church Lending Group by submitting a Financial Analysis?

No. First and foremost, your Financial Analysis will be 100% confidential in nature. Our Free Financial Analysis is available to all Churches, Ministries and other non-profit organizations wishing to gain a better understanding of their current financial position in regards to financing. Again, The Church Lending Group will take the necessary time to explain the Analysis.

Does The Church need to submit CPA prepared or audited Financial Statements?

No. At this time, The financial statements you submit in order to complete the Financial Analysis do not need to be prepared or audited by a CPA. The Church might eventually need audited or reviewed financials, but this is an expense that is not necessary until an acceptable financing package is presented to and has been accepted by The Church. Our staff can help you meet the strict lending guidelines to provide financial statements to the Lending Institution in an acceptable format.

Our Church has a high interest rate loan can we lower our payments?

Yes. You can realize thousands of dollars in savings over the life of your loan. The Church Lending Group can help you obtain a loan with competitive interest rates. Many churches end up in high interest rates loans because they do not know the complexities of Financing and get stuck with unfavorable terms and loans. Our expertise helps Churches avoid such pitfalls.

We are seeking a Construction Loan, should The Church hire an Architect to begin designing our new facilities?

No. You can save your Church thousands of dollars by first determining the financial strength and ability of The Church. Knowledge of The Church's financing capacity will better allow the leadership to make well-informed decisions in regards to budgeting, spending and Ministry Expansion.

Our church wants to make improvements, can you help us?

Yes. The Church might also end up having a lower payment of your existing mortgage. You can find out by submitting your FREE Financial Analysis today.

Does The Church need an appraisal of it's existing properties?

No. The Church Lending Group will first make sure that the The Church has an approved loan in place before spending any funds towards appraisals, audits, architect designs. Our services are to help the Church determine what kind of capacity the Church might have as it seeks funds for projects. This helps the Church to avoid making any unnessary expenditures, once again saving you hundreds of dollars.

Will The Church know the Interest rates on a loan beforehand?

Yes. There are various factors which we will help you understand that determine Interest Rates. The Church Lending Group will fully disclose terms on ALL loans.

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