CIF is the right choice for your EFCA church or ministry. We have certain advantages over a typical lender:

Competitive.

Strengths that most banks find difficult to match include:

• Highly competitive rates and fees.
• No prepayment penalties.
• 25 year amortization on 25 year notes.
• We use a 360/360 year-base for calculating interest. Many lenders calculate interest on a 365/360 year base which results in 5 additional days of interest each year.
• An interest rate locked in for up to 5 years. For construction loans, the rate is locked even before work begins.
• Less expensive and less restrictive appraisal requirements.
• No miscellaneous documentation fees.
• Ability to re-calculate the monthly payment amount if a significant principal reduction is made.
• Our borrowers find us easy to work with.

Kingdom Focus.

The economic benefits from your loan support our mission of providing financing to other churches and ministries within the EFCA. So by borrowing from CIF, you are helping other ministries as well as your own.

Service.

We serve the EFCA movement with excellence by:

• Personal attention before, during, and after the loan is made.
• Professional skills combined with a ministry heart.
• Consultative assistant at any stage in your process.

Any amount.

We can help meet your financing needs regardless of loan size. For most loans, we can finance directly by holding it in our portfolio. For very large loans, we can assist by finding financing through one of our relationships with other lenders.