Serving Contra Costa County, BDM Mortgage proudly supports a wide range of churches across the region, including cities such as Antioch, Brentwood, Clayton, Concord, El Cerrito, Hercules, Lafayette, Martinez, Oakley, Orinda, Pinole, Pittsburg, Pleasant Hill, Richmond, San Pablo, San Ramon, Walnut Creek, Danville, and Moraga. 

Our private lending solutions serve churches of all sizes and backgrounds throughout Contra Costa County, ranging from historic congregations to newly planted ministries, including Protestant, Baptist, Methodist, Pentecostal, Seventh-day Adventist, non-denominational, and faith-based community centers. We provide lending options for property purchases, renovations, expansions, equipment purchases, emergency projects and refinancing of existing loans with minimal paperwork and no personal guarantees required. 

The Faith Landscape of Contra Costa County

Contra Costa County, home to over 1.1 million residents in the East Bay, hosts a vibrant faith community with diverse Christian congregations. Key statistics from recent U.S. Religion Census data include:

• Total religious adherents: ~485,000 (county pop. ~1.16M in 2025 est.), with Christians dominant at ~70–75%.
• Catholic Church: Largest group at 64.5% of adherents (~312,835 members, 39 parishes)—strong in cities like Concord and Richmond.
• Non-denominational Christian Churches: 4.1% (~19,840 adherents, 49 congregations), booming in suburban areas like San Ramon.
• Latter-day Saints (LDS): 5.2% (~25,240 members, 40 wards), active in Walnut Creek and Antioch.
• Southern Baptist Convention: 2.6% (~12,473 members, 71 churches), prevalent in Pittsburg and Brentwood.
• Jehovah’s Witnesses: 2.6% (~12,368 members, 48 Kingdom Halls), widespread across the county.
• Assemblies of God: 1.7% (~8,304 members, 26 churches), Pentecostal growth in Oakley and Hercules.
• Other notables: Foursquare Gospel (1.2%, 3 churches), National Missionary Baptist (1.1%, 21 congregations), United Methodist (1.0%, 20 churches).

BDM Mortgage serves these thriving ministries with tailored financing.

We have worked with a wide range of California churches, including:

• Church of God in Christ
• Baptist (including Southern Baptist and Independent Baptist)
• Lutheran
• Methodist (including United Methodist and Free Methodist)
• Presbyterian
• Episcopal (Anglican)
• Pentecostal (including Assemblies of God, Foursquare Gospel)
• Non-denominational Evangelical
• Seventh-day Adventist
• Church of Jesus Christ of Latter-day Saints (Mormon)
• Jehovah’s Witnesses
• African Methodist Episcopal
• Church of the Nazarene
• Calvary Chapel
• Vineyard Churches
• Christian Church (Disciples of Christ)
• Churches of Christ
• Holiness Churches (Wesleyan, Salvation Army)
• Orthodox Christian (Eastern Orthodox, Greek Orthodox)
• Quakers (Friends)
• Church of God
• Church of Christ
• Church of Religious Science
• Evangelical
• Assemblies of God

What Purchase or Project Could Your Church Borrow For? 

California churches often turn to financing for growth, maintenance, and mission-driven expansions amid high real estate costs and seismic regulations. Private church loans fuel practical upgrades without draining reserves. Some of the projects commonly financed include:

• Repairing worship centers or multipurpose halls for booming congregations.

• Renovating fellowship spaces for community events, critical for post-pandemic hybrid ministries.

• Modernizing sanctuaries with better lighting, seating, or accessibility features to meet ADA standards.

• HVAC replacements, roofing, or parking lot repaving—essential in California’s variable climate.

• Earthquake reinforcements are mandatory statewide, especially for older structures.

• Fire safety systems, emergency exits, and structural bolstering to protect congregants.
• Purchasing land or existing buildings before prices escalate in competitive markets like Orange County.
• Parsonage buys for pastoral housing amid California’s housing crunch.
• Debt Consolidation and Refinancing: Rolling high-interest loans into lower rates to boost cash flow for outreach programs.

• Bridge financing for short-term needs during capital campaigns.

• Livestream setups, projectors, and sound systems to engage online audiences.

• IT infrastructure for administrative efficiency and virtual Bible studies.

• Expanding Sunday schools, daycares, or youth centers serving local families.

• Gymnasiums or kitchens for food ministries and senior programs.

• Covering seasonal shortfalls or launching new initiatives like food pantries.
• Vehicle purchases for outreach vans in underserved regions.

How To Obtain A Loan For Contra Costa County Church with BDM Mortgage

Getting a church loan from BDM Mortgage is a straightforward process designed to minimize paperwork and speed up approval, helping your ministry grow and thrive with less hassle. Here are the simple steps to secure a church loan with BDM Mortgage:

1. Gather Documents

Start by collecting key documents such as your church’s Articles of Incorporation, By-laws, and fire insurance information for your property. Also, prepare photocopies of the last 12 months of your church’s bank statements.

2. Prepare a Letter of Resolution

This letter, printed on your church’s stationery, authorizes BDM Mortgage to arrange the loan. It should state the loan amount requested and identify who is authorized to sign the loan documents on behalf of the church. Importantly, this letter must be signed by a church member who is not signing the loan documents.

3. Submit Board of Directors Information

Provide the names and addresses of your church’s Board of Directors. This helps BDM Mortgage ensure clear authority within your organization.

4. Provide Details on Existing Loans (if any)

If there are existing loans secured by your church property, you’ll need to share the lender’s information, loan number, and outstanding principal balance.

5. Enjoy a Streamlined Process

Unlike other lenders, BDM Mortgage doesn’t require tax returns, credit checks, financial statements from a CPA, or personal guarantees. The primary focus in approval is the equity in your church’s real estate, making for a faster and less intrusive process.

6. Receive Your Funds 

Once the loan is approved, funding happens promptly so you can focus on your church’s mission instead of worrying about financing delays.

Whether you are part of a Catholic parish in Antioch needing to expand your worship space, a non-denominational Christian congregation adding community facilities in Walnut Creek, a Southern Baptist church updating its HVAC in Orinda, or a Seventh-day Adventist group needing funding for new programs in Danville, BDM Mortgage is ready to work with you.

BDM Mortgage – Your Trusted Contra Costa County California Church Loan Specialists

With over 35 years of dedicated experience, BDM Mortgage Services has become a trusted leader specializing exclusively in church loans, offering reliable, compassionate, and expert financing solutions tailored for California churches. Our personal approach means you’ll never need to leave your community for face-to-face meetings—we come directly to you, providing a fast, streamlined process with minimal paperwork and no impersonal recordings. We understand the unique financial challenges churches face and have cultivated strong partnerships with private lenders who appreciate the distinctive needs of faith-based organizations. Whether your congregation is looking to expand your sanctuary, launch a new school program, or refinance an existing loan, BDM Mortgage Services is your dependable partner serving Contra Costa County and beyond.