FINANCING OPTIONS

Small Loans Program

American Church Mortgage Company (“ACMC”) specializes in providing mortgage loans to smaller congregations. ACMC is a direct lender and funds its loans through a real estate investment trust (“REIT”). Our Small Loan Program provides church loans ranging in size from $200,000 to $1 million. With complete documentation, we can review most loan requests within 24 hours and fund a loan in as little as 45 days. Click here to learn more about qualifying for a loan with ACMC. 


construction loans

ACMC and its affiliate, American Investors Group, Inc. provide construction financing from $200,000 to $15 million as part of a long-term permanent loan and can structure a financing option which accommodates the gradual withdrawals needed to fund the construction process. We will also consider a period of interest-only financing for up to 18 months as part of a larger, long-term bond financing. We will consider construction financing for projects in which the Borrower has entered a firm cost-to-completion construction contract with a qualified licensed general contractor, or other contract arrangements acceptable to the Lender. Click here to learn more about qualifying for a construction loan with us.


intermediate and variable rate mortgages

In addition to long term fixed rate loans, American Church Mortgage Company can also provide shorter term (3, 5, or 7 years) loans, or variable-rate mortgages that are tied to an established interest rate index. Our intermediate term loans have a renewal option which enables the church to extend the loan for additional periods at then prevailing rates. Click here to learn more about our loan evaluation process. 


Long term loans

Our affiliate American Investors Group, Inc. specializes in the underwriting and distribution of mortgage-secured church bonds. The bonds are sold through its established, nationwide broker network with an extensive client base. Loans funded through bonds range in size from $1 million to $15 million. Bond financing can be a flexible, low-cost method for churches to borrow funds. Benefits include:

  • 20 to 25 year terms
  • Fixed interest rate 
  • No balloon payments
  • Non-variable interest rate
  • No future re-qualification risk

With long-term, fixed-rate bond financing, the borrowing church will know each payment it will make for the next 20 to 25 years at the onset of its loan.  Additionally, our organization does not require members of the issuing church to purchase any bonds. Rather, our wide investor-base regularly invests in bonds issued by churches throughout the country. Click here to learn more about qualifying for a long-term loan with American Investors Group, Inc.