Loan Programs

Graco Mortgage Church Loan Programs 

All church needs are not the same, so we provide a loan that is suited just for you and your needs.

  • No personal guarantees *
  • High loan to values, many of our church loan products offer up to 80% of the real estate value. We also have products that allow the church to borrow up to 90% using a first and second trust loan.
  • No CPA prepared financials *
  • No Tax Returns
  • No up front fees

As an additional bonus for you. We will analyze your request in one business day and provide you with feed back on what you can qualify for.

* Subject to underwriting guidelines.

Graco Mortgage Programs / Designed for your specific needs

Our church loan programs are designed specifically for you church needs.

  • Purchase real estate:  With loan to values up to 80% and combined loan to values up to 90%, we keep the down payment required to a minimum.
  • Refinance real estate: If you are looking to decrease the interest rate on your current loan or have a balloon note coming due, we can provide a quote within a few days.
  • Renovation of real estate: If your church is looking for a loan to renovate or expand and existing building we can provide the loan.
  • Ground up construction: Does your church need a loan to construct a new building? We have programs that can provide 100% of the cost of the construction if you already own the property. Besides, if your church does not own property, we can provide up to 80% of the total project cost including the purchase of the land. We can also provide a construction loan that automatically converts into a permanent loan upon completion.

Loan Programs of Graco Mortgage

With over 20 different church loan programs available, we can be creative too:

  • 20 and 25 year fixed loans with no balloons
  • Interest only payments
  • 5, 7, 10 years fixed loans with 15, 20 and 25 year amortizations
  • Also, loans based on equity and not credit for those churches that are in trouble wit their current lender.

Not all programs are available in all areas, not everyone will qualify for a loan. Graco Mortgage believes in equal opportunity for all.