LUTHERAN CHURCH EXTENSION FUND
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Loans

Providing Low Cost Loans

LCEF provides low-cost loans to build space and place to help fulfill God’s mission.

Whether you're needing commercial loan assistance to build, remodel or purchase equipment for your church or if you’re a rostered church worker needing personal loan assistance, LCEF can provide many types of loan products to help you.

Growing your congregation by building, remodeling, purchasing equipment or refinance...
Purchase, refinance or receive a home equity loan for your primary, single family residence or consolidate debt...
LCEF LOAN STORIES OF INTEREST
Featured Information

Loan, Gifts Help Immigrant Congregation Purchase Building

Tumaini Kristo Lutheran Church, Jersey City, N.J., this spring purchased the building members had been leasing for worship and ministry space through member contributions, an LCEF loan, and gifts from the New Jersey District and its members.

Laborers Help Louisiana Church Build Open Arms

Laborers For Christ Project Manager Jim Eberhart calls building the new child development center for Bethany Lutheran Church in Slidell, La., a special project because many Laborers are grandparents and they recognize the importance of good Christian education.

Family Worship Night Grand Success at Milwaukee School

St. Martini Lutheran Church, Milwaukee, Wis., members strive to bridge the ethnic and linguistic gap among its church and school families. Monthly family worship services are translated into Spanish by the school’s bilingual secretary. LCEF provides loan support to St. Martini for the operation of the school.

Reaching the disabled in North Dakota

Helped by an LCEF loan, Holy Cross Lutheran Church, a mission congregation in Bismarck, N.D., opened its doors to the community this past summer in a former retail store. Members are making good use of the space and members are actively reaching out to the developmentally disabled with its Faith and Friends weekly service. It is also a ministry partner to Bethesda Lutheran Communities, with the goal of providing a Lutheran, faith-based group home for people with the disabilities.

New Church Carries on 100-Year Tradition

The congregation of Immanuel Lutheran, Wentzville, Mo., had outgrown its church building and had been worshipping in the school’s multipurpose room for several years. With a generous gift of land in an area along a major road and in close proximity to one of the local school district’s major campuses, the congregation constructed a new church. The new facility was dedicated in August. Immanuel used an LCEF loan to help keep its 100-year history going forward and continuing to touch people in its community.

RCW Housing Loan Program Impacted by Legislation

The passing of the Secure and Fair Enforcement Mortgage Licensing Act of 2008 (also known as the SAFE Act) has caused changes to LCEF’s rostered church worker (RCW) residential and home equity loan program. Because of new regulations, excessive requirements, and increased fees to the organization, LCEF is able to accept residential loan applications in 16 states. (At this time, this does not impact the consolidation loan program and the 47 states in that program.)

Ensure a Joyful Response® Even During Vacations

If a significant share of your congregation members is still placing cash and checks into the offering plate, your church may be missing valuable offerings when families leave town for holidays and vacations. Offer members an automated way to fulfill their financial stewardship commitments: LCEF's Joyful Response®. It’s free for LCMS organizations and easy to use for both congregation members and office staff.

Partners Provide Funds, Steeples, Lutheran Symbols

With a church renovation or new construction project, there is a long list of details. For help with everything from start (campaign readiness study) to finish (furnishing the altar and worship space), Concordia Publishing House (CPH) and LCEF are your partners for creating the space needed and reverent atmosphere expected. See the CPH Church Renovations Web site, or the loan or Ministry Services areas of LCEF’s Web site to find out about all of the resources we have to offer your congregation.

Post-Construction Tip: Be Ready for More Outreach in New Ministry Space

Laborers For Christ can bring your members together in worship and volunteerism, and very often their witnessing mobilizes congregations to accomplish more outreach once construction is complete. Be ready by reviewing your supplies and furnishings; go to the CPH Church Renovations Web site for pew accessories, offering plates, new altar adornments, etc.

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Have a question?
Contact LCEF directly, or call the Lutheran Church Extension Fund at 1-800-843-5233, 7:45 a.m. - 4:15 p.m., CT, Monday through Friday if you have any questions or requests.