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

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


  • 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%


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


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 loan-related questions here.

Projects We Finance