Too often, it is an uncomfortable encounter with reality to be a church, ministry, or Christian school seeking financing. Traditional sources of capital rarely understand what you're trying to accomplish, much less your non-traditional sources of income stream.

Home & Real Estate Services comes to your request with the experience of serving thousands of ministries. Partnering with us in your development and financing means you'll get frank answers to your questions. We are less interested in cutting the deal and more in making sure that together the decision is prudent. Your financial statements, leadership, and goals are expressions of how you manage resources in your trust. We'll view them through the lens of proven analytical techniques and criteria.

As a not-for-profit financial cooperative, Home & Real Estate Services members are delighted that their deposits are invested in activities they support. You'll be satisfied too, when you look to Home & Real Estate Services on your next financing project ... large or small. From real estate acquisition, construction, equity, or refinance, to equipment and vehicle loans — plus everything in between.

Real Estate Purchasing

Balancing ministry growth and financial resources is a never-ending job. Let us help make it pleasant and productive as you look to expand your present facility or purchase additional property. Together we'll find prudent options that strengthen your ministry from the ground up.


    Fixed and Adjustable Rates
    Amortized up to 25 years with varying maturities
    Offer commercial, church, residential, or unimproved property as collateral
    Flexible approach to your needs, not "one size fits all"
    No prepayment penalty
    Quick turnaround on approvals
    Equity Lines of Credit available

Construction and Renovation

Realizing any corporate or personal vision takes effort, resources, and endurance; we all want to run the race in such a way that we win. Few things are more exciting than seeing God expand our work, and then entrust its leaders with His resources.

You might be looking at a multi-purpose facility, sanctuary, expanded classrooms, or brand new administrative offices. We'll work together to make prudent choices about timing, funding, and how best to get the job accomplished. We'll bring experience with many, many ministries. There is a wealth of wisdom in knowing how others did it - successes and failures. Every step we take, we gain new information that we share freely with you. Our top priority is to bring God the glory through your project and our interaction.


    Fixed and Adjustable Rates
    Interest-only during construction
    Loan approval includes both construction and long-term financing
    Locked-in interest rate for post construction, long-term financing
    Monthly or interest-only payment
    No prepayment penalty