For Borrowers
Mission-Focused Lending
Navigating a commercial mortgage can be overwhelming—especially for Christian organizations encountering it for the first time. Capstone Mortgage Services streamlines the process and partners with ministries to structure financing that fits both their mission and regulatory requirements.
We offer clarity in a complex process, drawing from deep experience in ministry and regulated mortgage lending. Our team walks with you, asking the right questions, offering practical counsel, and structuring solutions with long-term impact in mind.
What We Do
Purchase Financing
Buying property for your church, school, or ministry is a big step. We’re here to make it simpler. With experience in faith-based lending, we’ll guide you through the purchase process and help you secure financing that fits your mission, timeline, and long-term goals.
Construction Financing
From new churches to major school expansions and renovations, Capstone Mortgage Services understands the challenges ministries face throughout building projects. Our construction financing helps you move forward with confidence, supported by clear terms, practical guidance, and care that lasts through each phase and beyond.
Refinancing
Your ministry has grown or changed, and your debt structure may no longer reflect the organization’s needs. Whether you are freeing up cash flow, restructuring existing loans, or adjusting to new realities, Capstone Mortgage Services helps you explore solutions that support long-term impact.
Traditional lenders don’t always understand churches or charities. We do. Our mortgages are designed to match the structure, pace, and purpose of faith-based organizations.
Commercial financing can be overwhelming, especially for boards and committees with limited experience. We walk with you every step of the way, offering advice grounded in real-world ministry knowledge.
Your mortgage is a strategic step in advancing your ministry. Our solutions are built to reflect your values, support your operations, and enable long-term impact while maintaining financial stability.
Commercial mortgage lending has unique and evolving regulatory demands that can be especially challenging for charities to navigate. We stay ahead of these changes and help your board and staff remain compliant and informed throughout the process.
Our Process
Mortgage Lending Step-by-Step Guide
Start the Conversation
Reach out to us early in the process so we can track together from the very beginning. An online “Initial Inquiry Form” gives us an overview of your organization and project. If moving forward makes sense, then we’ll book a meeting.
Assess the Fit
An initial meeting is the best way to understand your organization and what you are looking to do with the project. The goal is to assess feasibility at a high level and, if partnering together is a good fit, then regulatory compliance will also be key to how we start.
Analyze the Details
An application begins in earnest with an upload portal so you can easily provide us with all necessary documents. Our underwriting analysis needs to confirm alignment with lender requirements and that includes assessing your capacity to service debt, the adequacy of the property, and the missional strength of the project.
Structure a Mortgage Solution
Suitability is not just a checklist when you are dealing with the complexity of financing for charitable organizations and complicating factors such as capital campaigns and construction. It is an ongoing conversation to ensure the details of the proposed mortgage align with your current situation and meet your needs long term.
Secure Approval and Financing
The lender Commitment Letter and brokerage disclosures wrap up the application process. Once all conditions are satisfied, lawyers representing both borrower and lender complete their respective tasks, and then the requested financing can proceed.
More Details
Frequently Asked Questions
Rates vary depending on market conditions, loan terms, and the financial profile of your organization. We work with a network of faith-aligned lenders to secure competitive rates that reflect both your mission and financial needs.
In general, mortgage rates track with the posted rates of the chartered banks as reported by the Bank of Canada with adjustments for risk factors.
We provide financing for churches and Christian charities (including schools, camps, and other charitable ministry organizations).
We generally offer fixed rate mortgages, on 1 year, 3 year and 5 year terms, amortized up to 25
years.
The minimum down payment is 30% and the maximum loan-to-value is 70%.
Timing varies depending on organization readiness and project complexity. In general, starting the application process three to four months in advance of closing is a prudent approach.
Typical documents required for underwriting a mortgage application include financials, budgets, appraisal, building inspection, environmental reports, construction plans/budgets, as well as other information relating to organizational health (demographics, donations, growth/decline patterns).
We are currently registered in Ontario, British Columbia, Alberta and Nova Scotia with other provincial registrations in process.
Need Financing?
Every project is unique. Answer a few questions about your organization, funding request, and timing so we can assess fit and outline next steps. The preliminary funding questionnaire covers who you are, what you’re planning, and when key stages will happen—quick, secure, and with no obligation.
