Supporting faith institutions throughout Sacramento County, BDM Mortgage provides reliable, straight-forward loans for a wide range of churches across the region. We are familiar with the unique challenges faced by churches in Sacramento County, and are pleased to deliver a fast, personalized lending experience that promotes financial peace of mind and helps your organization grow and better serve the community.

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

Sacramento County’s Rich Tapestry of Religious Traditions

Sacramento County has a rich history dating back to 1839 when John Sutter arrived to establish New Helvetia, which later grew into the city of Sacramento, officially incorporated in 1849. Important landmarks include Sutter’s Fort, the California State Capitol, and Old Sacramento, a historic district preserving the city’s Gold Rush-era architecture and heritage.

According to a study by USC, Sacramento County’s largest religious group is the Catholic Church, with 280,790 adherents across 47 congregations, making up 45.1% of the county’s religious population in 2020. Non-denominational Christian churches are the second largest, with 71,680 adherents in 80 congregations, representing 11.5%. Other notable groups include the Church of Jesus Christ of Latter-day Saints with 39,753 adherents (6.4%) and Muslims making up 6% of religious adherents with 37,070 members in 18 congregations.

Sacramento County’s church community is buzzing with growth and change as different congregations expand and adapt their faith practices. With ministries flourishing, managing finances wisely becomes key to supporting these changes. That’s why flexible funding through specialized California church loan programs plays a key role in helping churches keep up with their mission and the evolving needs of their communities.

We have worked with a wide range of Sacramento County 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

How To Obtain A Loan For A Sacramento County Church with BDM Mortgage 

Our clients often tell us how much they appreciate that the qualification process with BDM is straightforward and fast. By following a simple checklist, California churches can submit minimal paperwork and receive loan approvals within weeks, rather than months. Churches can use these loans for wide-ranging purposes, including sanctuary expansions, repairs, renovations, additional buildings, or refinancing to eliminate costly balloon payments. 

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 Elk Grove needing to expand your worship space, a non-denominational Christian congregation adding community facilities, a Southern Baptist church renovating its youth meeting space in Citrus Heights, or a Seventh-day Adventist group updating your ministry center in Folsom, BDM Mortgage is ready to work with you.

BDM Mortgage – Your Trusted Sacramento County, California Church Loan Specialists

With over 35 years of dedicated experience, BDM Mortgage Services has become a leader focused exclusively in church loans, offering expert financing solutions 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 red tape. Aware of the financial hurdles churches face, we have cultivated strong partnerships with private lenders who appreciate the distinctive needs of faith-based organizations. From congregations looking to launch a new educational program to those needing facility improvements, churches across Sacramento County rely on BDM Mortgage for flexible financing options to support their vision.