PHONE: (909) 827-1751|
Loan Types2021-11-12T13:36:31-07:00

Our Story

Apostolic Mutual offers loans at competitive rates. Our Refinancing and Remodel loans help churches and ministries get out from under steep interest payments, so that they can focus more on their communities than on their creditors. Our seasoned ministry lending team knows that no two loans are alike. That’s why we take time to listen to your vision, mission, and objective before exploring possible options that will best help meet your ministry’s needs. We operate with the understanding that to do so is in your best interest.

We have helped churches and ministries save hundreds of thousands of dollars of interest on their loans. Talk to us to see if a refinancing loan can help your church or ministry, too.

For questions regarding loans, please contact Esteban Robledo at 951-251-2648 or

Account Types


  • Refinance
  • Remodel
  • Purchase – Coming Soon!
  • Construction – Coming Soon!


  • Interest Rate: 4.5%
  • Term: 10 year fixed
  • Maximum Loan Amount $200,000


  • Lower monthly payments
  • Loan terms that promote stewardship
  • Leverage assets for ministry expansion
  • Competitive fixed-rate options
  • Uniquely designed loans
  • No pre-payment penalty

“All the believers were together and had everything in common.”

Acts 2:44

Loan Guidelines

The purpose for Apostolic Mutual is to provide small loans to churches for remodel and repair work of their local church facilities at a low interest rate.

Loan Purpose

• Churches can apply for loans up to $ 200,000 or less
• The interest rate is at 4.5%.
• The loan term is for two to ten years upon the discretion of the Apostolic Mutual Committee
• Payments are due on the first day of each month

Documentation Required

• Apostolic Mutual loan application
• 12 months of most recent bank statements for all accounts
• Previous year and year-to-year date financial reports. (2018/2019/2020)
• Copy of any loan or Mortgage Statements
• Brief description of Church’s Ministries and Services
• Brief description of Property being financed with interior and exterior pictures
• Local, District and Apostolic Assembly Resolutions approving the loan
• Copy of the current insurance policy if not already on file at Headquarters

Other Requirements

• The Church must be compliant with the Tithes of Tithes.
• The Pastor must be compliant with the District and corporate responsibilities.
• Application Fee $100
• Documentation Starts at Closing Costs $700
• Loan Fees may vary depending on escrow and title and state but typically is approximately $1750-$2000

Review & Approval

• The required documentation must be received with the complete application
(incomplete information will delay the process)
• Financial Statements will be evaluated to verify the church’s ability to repay the loan
• Loan application will be reviewed by the Apostolic Mutual Committee
• The Apostolic Mutual Committee will determine if the loan is approved or denied
• Upon approval of the loan, a promissory note will be issued to the church for signature by the Pastor
• Once the note has been signed, funds will be available within 3 business days

Where to Apply

• The loan application and required documents can be sent to:

Apostolic Mutual
Attention of Eddie Campa
5401 Citrus Ave. Fontana, CA 92336

For questions regarding loans, please contact Esteban Robledo at 951-251-2648 or

Start your Church Loan Application Here!

Download Forms: Guideline / Checklist / Application

Download Loan Guidelines Only

Download Check List Only

Download Loan Application Only

Download Loan Full Packet

For answers to additional questions, please contact us at: 909.232.8874

Being a Christian is more than just an instantaneous conversion – it is a daily process whereby you grow to be more and more like Christ.

Billy Graham

Darkness cannot drive out darkness; only light can do that. Hate cannot drive out hate; only love can do that.

Martin Luther King, Jr.

God cannot give us a happiness and peace apart from Himself, because it is not there. There is no such thing.

C. S. Lewis


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