Tag Archives: Property

Will a big nice church property hurt my chance of cashing in on a lot?

Question by uncleshen: Will a big nice church property hurt my chance of cashing in on a lot?
There is a 4000 ft2 vacant lot in a bad neighborhood for sale. It is adjacent to a big nice church property (55,000 ft2, most of it is parking lots surrounding a nice church). I am betting that that area will be redeveloped in 20 years. My question is that will the church hurt my chance of cashing in on the land when that redevelopment happens? Or will I be better off buy something surrounded by other houses in the same area?

Best answer:

Answer by Bryan W
Eventually that church will need to expand.You could benefit then.

Know better? Leave your own answer in the comments!

Personal Property Of The Lord By Rodney Howard Browne

Personal Property Of The Lord By Rodney Howard Browne

Personal Property Of The Lord By Rodney Howard Browne

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Home Page > Spirituality > Christianity > Personal Property Of The Lord By Rodney Howard Browne

Personal Property Of The Lord By Rodney Howard Browne

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Personal Property Of The Lord By Rodney Howard Browne

By: Seeing Jesus

About the Author

Rodney Howard Browne and his ministry team, under the banner of Revival Ministries International, travel about 46 weeks of the year, holding weekly meetings in cities across North America and around the world. They also pastor a church in Tampa, Florida, The River at Tampa Bay, which he founded and which now has 3000 members.

(ArticlesBase SC #817111)

Article Source: http://www.articlesbase.com/ – Personal Property Of The Lord By Rodney Howard Browne





After Jesus said, “It is finished,” and died on the cross, the veil of the earthly temple was torn in two, from top to bottom. (See John 19:30 and Matthew 27:51.) The Holy Ghost came out of an earthly tabernacle that was made with the hands of men, never again to live therein, but to come and live in your heart and my heart. And that’s why we become temples of the Living God. For God has said, “I will dwell in them. I will walk in them. I will be their God.

They will be My people.” (See 2 Corinthians 6:16.) You are the temple of the living God, and the blood of Jesus washes you clean so He can come and live on the inside of you. Hallelujah! Now, look at that last verse: For Christ is not entered into the holy places made with hands, which are the figures of the true; but into heaven itself, now to appear in the presence of God for us.

When Jesus ascended, He went right into heaven to the real temple, not the type and shadow on earth. He took His own blood and made sure that heaven’s court was satisfied, that the price for the sin of man was paid. And it was paid for good. Nor yet that he should offer himself often, as the high priest entereth into the holy place every year with blood of others; For then must he often have suffered since the foundation of the world: but now once in the end of the world hath he appeared to put away sin by the sacrifice of himself. HEBREWS 9:25-26

It’s done. There’s no more sacrifice. And yet it seems the modern-day church is always trying to sacrifice something, I’m convinced that if some people could, they would sacrifice another bull or goat, because they don’t know what was purchased at Calvary They don’t know when Jesus said, “It is finished,” He meant it. As it is appointed unto men once to die, but after this the judgment: So Christ was once offered to bear the sins of many; and unto them that look for him shall he appear the second time without sin unto salvation. HEBREWS 9:27-28

The blood of Jesus has the purchasing power to redeem a sinner from the jaws of hell. I don’t care who they are or what they’ve done. The blood can set them free. We were purchased with that blood. Take heed therefore unto yourselves, and to all the flock, over the which the Holy Ghost hath made you overseers, to feed the church of God, which he hath purchased with his own blood. ACTS 20:28 If you’re the Church of the Lord Jesus Christ, you do not belong to yourself anymore. You belong to Him. You have been purchased by His blood. I belong to Jesus. I’ve been purchased by His blood. I’m His personal property Written on my heart is “Personal Property of the Lord Jesus Christ.”

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(ArticlesBase SC #817111)

Seeing Jesus
About the Author:

Rodney Howard Browne and his ministry team, under the banner of Revival Ministries International, travel about 46 weeks of the year, holding weekly meetings in cities across North America and around the world. They also pastor a church in Tampa, Florida, The River at Tampa Bay, which he founded and which now has 3000 members.

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Financing Religious Use Property – Churches are Businesses Which Also Need Financing

Financing Religious Use Property – Churches are Businesses Which Also Need Financing

Financing Houses of God

Church lending can be intimidating even to the most seasoned loan officer or loan originator. However, financing a church and its dreams are not too difficult to master. The church loan or loan for religious use are not ordinary by any stretch of the imagination. Yet they can be rewarding and you can even make some money in the process.

Lending Fears

There are a few basic fears that keep most from lending on Churches.

Foreclosure. Foreclosing on a ‘House of God’ and ridding a community of it’s place of worship turns a majority of lenders off from the get go (not us, we love church loans).

Single Use-Special Use Property Type.The uniqueness of most church properties is another turn off for most lenders. What do you do with a building that has a steeple, choir loft, stained glass, naives, aspy’s, altars, pews for 300? What kind of resale market is there? How long will it take to sell? What if grounds also contain a cemetery? Now what?

Qualifying. Churches are not-for-profit organizations. So, they don’t have tax returns nor do they have traditional methods of determining income for qualifying. So, again most lenders will steer away from anything that is not traditional.

Lending is simple on Churches

When lending on a church the first criteria is to determine the denomination. Yep, denomination. Reason being that not all loan programs will lend to just any denomination. A statistic I picked up from the US State Department, is that there are 565 organized and recognized religions in the world. From mainstream to off beat, they exist. Since loan funds are derived from various sources or pools of funds, it is important to match the correct denomination with the correct sources. For example, you wouldn’t want to seek financing for a Temple or Shrine from a Christian Pastoral Retirement Trust Fund. These practices are not congruent in their belief systems with each other. The end game may be the same for all, however the path and practices to get there are very different and can be offensive to each other.

The next item is responsibility for the proposed loan. You need to determine if personal guarantees are going to be an issue with the religious organization. If not, you have just openned the door for sources to finance the church. However, over 85% of the time personal guarantees will be a big deal to the church and the sources that want the guarantee are out of the picture.

The third issue is banking business requirements. Some sources require the church to move most or all of its banking business to the institution that is writing the loan. About 50% of Churches don’t like this covenant either.

What is the basic information that you will need?

Church Questionnaire (a form of application)

Church’s Statement of Faith

Church’s Organizational Documents with a statement of Good Standing from the state of organization

3-yrs financials (e.g. Quick Books) + YTD profit and loss

Pastor’s or Church Leader’s Resume

Use of funds letter

Authorization to Lend Letter

Evidence of tax exempt status

Color Digital Photos of church property

Primary church contact or liaison person(s)

Although there are many additional items and steps, with these basics you are well on your way of being able to professionally present a package to a lender.

Rates, Fees, Making an Income

I almost forgot these key items. Church loans current have rates in the 6.50% to 9.50% range, with fees running in the 3-6% of loan amount.  This is the norm and is most typical. I know that there are times when Church’s obtain financing outside these norms, but that has to do with hundreds of variables specific to that organization.

As far as making income–in you think you are going to be earning 2-3 pts. on the deal…Stop. Not going to happen. Church loan sources are very strict about what you can earn, so if you get 1/2 to 1 pt on the deal, be grateful. When you do a great job for a church, Pastors, Deacons, Bishops, and other leaders talk–word gets out you treat them fairly, more deals will come your way.

By the way, if you missed it, we love church loans and we’d love to be of assistance. I can be reached via cfrgroup@att.net or visit our web site at www.mycommerciallendingpro.com

 

Gregg S Cochran, President of CFR Mortgage Group, Inc. a wholesale commercial lender based in Tustin, CA.