Community Loans

We tailor loans up to $7.5 million to bring positive change and enrich lives.

Our service area includes: California, Nevada, Arizona, New Mexico, and Sovereign Nations in the Western United States.

Because each of our borrowers’ projects is as different as the communities they serve, we don’t use a predefined loan program. Instead, we assess each loan application individually.

Projects range from affordable housing to commercial real estate, but they all provide measurable community benefit.

We will work closely with you to ensure the success of your project.

View our current Rates & Terms.

How to Apply

  • 1Loan Inquiry Form
  • 2Project Discussion
  • 3Application
  • 4Loan Underwriting
  • 5Final Review
  • 6Loan Closing and Funding
  • 7Post-Closing

Terms

  • Long Term – FIXED up to 25 Years
  • Short Term – Up to 24 Months
  • Loan to Value (LTV)LTV is the loan amount divided by property value – Up to 80%

Rates

  • Fixed Rates from 5.75%
  • Short Term (up to 24 months) interest only loans

Fees

Applications, Processing, Flood, & Tax

  • Nonprofits: $800
  • For-profits: $1,200

Due at Loan Funding

  • Origination Fee: 1.5%-2%
  • Loan Document Fee: $700
  • 3rd Party Vendor Dependent: Appraisal, Title, Escrow, Legal, and Environmental Fees (if applicable)

Have a question about a loan? Ask us any time via our Community Loan Inquiry Form.

Projects We Finance