American Church Mortgage Company ("ACMC") and its affiliate, American Investors Group, Inc. are direct lending sources for not-for-profit religious organizations throughout the United States of loans ranging from $300,000 to $5 million in size. Our church loans typically provide funding for new church construction, renovation, refinance, or property acquisition. Churches can benefit from working with our firm in the following ways:

  • fixed interest rate

Avoid variable interest rates which typify conventional financing. Interest rates are fixed for the full 20 or 25 year term of the loan.

  • fully amortized

Payments retire both principal and interest over a stated repayment period, building equity for your church by regular retirement of debt. There are no "balloon payments". 

  • permanent financing

Eliminates costly interim construction financing or periodic re-financing normally required with bank financing.

  • flexibility

Allows the church to obtain additional financing in the future for expansion or remodeling without refinancing its first mortgage.

  • avoid balloon payments

There is no need to set aside large amounts of money or seek replacement financing in upcoming years.

  • Prepayment Privilege

Bond financing may be paid off early with little or no penalty. 

  • No personal guarantees

Avoid personal guarantees by officers and membership, which other lenders often require.

  • Avoid restrictive operating covenants

Unlike banks, our financing program doesn't require you to restrict future borrowing, maintain minimal cash deposits, or sustain financial performance "ratios" after your loan is funded. 

Click here to learn more about our financing options or call our Loan Department toll free at (800) 815-1175, ext. 1144.