About Us

Our Story

In 1946 a group of people saw a need to help local churches with building projects and wanted to provide church loans with flexible terms. This is why we were started.

Our logo may have changed a few times over the years, but our focus never has. Our mission is to see as many people experience the love of Christ as we can. We work towards this goal by providing loans to churches and church-related entities, so they can expand their facilities, purchase land, build, renovate, or refinance current debt. We currently have about 1,200 loans with churches and organizations all across North America.

In over 75 years of operation, WIF has never had to foreclose on a loan that we have provided. We are an Indiana nonprofit corporation. And our affairs are administered by our Board of Directors. We are organized and operate exclusively for charitable and religious purposes. We are a tax-exempt entity, and no part of our net earnings inures to the benefit of any person or individual.

Our Why

Our mission is the same as the mission of your local church: to see as many people experience the love of Christ as we can. The church is the hands and feet of Christ and our call is to resource the church to make it as effective as it can be. We do this by providing loans for churches to purchase property, build, renovate, refinance – whatever it looks like to create a space for people to encounter Jesus.

Our How

We are able to do this because thousands of people, just like you, have chosen to invest with us. Your money could be helping a church in your city provide people with an opportunity to find Christ. As soon as you need your money to buy that house you’ve been saving up for, or for that unexpected expense, or to take that vacation you’ve been dreaming of we can have it back to you within one business day.

Our Investments

We currently have more than 10,000 investors who have come to trust WIF as their faith based investment organization. In over 75 years of operation, WIF has never missed an interest payment and has honored every investors request for a withdrawal.

The funds that are invested with WIF are used to provide loans to churches or church related entities along with other investments, all as described in our Offering Circular. We currently have approximately 1,200 loans with churches and church related organizations all across North America. The vast majority of these loans are a first mortgage backed with buildings and or land as collateral and many are guaranteed by a denomination or district conference as well. In over 75 years of operation, WIF has never had to foreclose on a loan that we have provided.

This website and the material provided in it does not constitute an offer to sell nor a solicitation to buy WIF investments. The offering of WIF investments is made solely by WIF’s Offering Circular. WIF will offer and sell its investments only in states where authorized. The securities are subject to certain risk factors as described in the Offering Circular. Investors should carefully read the Offering Circular, which more fully describes associated risks. WIF investments are not FDIC-insured bank deposit accounts.

Hours:
M-F 8:00am – 4:30pm (EST)

Email: [email protected]

Phone: (317) 774-7300

Fax: (317) 774-7321

Address:
13300 Olio Road Fishers, IN 46037

CORNERSTONE FUND TO BE MERGED INTO WIF

For decades, Wesleyan Investment Foundation and Cornerstone Fund separately have worked towards a shared mission of helping resource the local church by providing loans to start and strengthen churches so more people can meet, know and follow Jesus.

As many of you know, on November 9, 2021, Cornerstone Fund affiliated with Wesleyan Investment Foundation. The affiliation enabled the Wesleyan Investment Foundation and Cornerstone Fund to resource more churches, serve a larger number of investors, and expand our Kingdom impact as we reach more people for Christ. As the next step in this affiliation, effective May 1, 2022, Cornerstone Fund will be fully merged into Wesleyan Investment Foundation.

As a result of the merger, each Cornerstone Fund investor must make a decision with respect to any investment(s) in Cornerstone Fund. For important information and help making your election, please go to wifonline.com/cornerstone or, if you hold an IRA invested in Cornerstone Fund, wifonline.com/cornerstone/ira.

We look forward to partnering with you to build the Kingdom together!

MORTGAGE LOAN PROCESS INFORMATION

Required Data

Completed Loan Application.
Financial Statements (showing income/expenses) for last three (3) years.
Current Year Financial Statements and Church Budget (showing income/expenses).
Evidence of Local Church Approval of the Loan (meeting Minutes or Resolution).
Evidence of District Board or Conference approval, and certification of their willingness to co-sign or guarantee the Loan if necessary.
Name and address of attorney or title insurance company whom we may employ on your behalf to prepare the Note, Mortgage and Title work (see Loan Application page 3).
Detailed explanation for purpose and justification of the Loan with a picture of land and/or buildings, and how the Loan is to be repaid.
Survey and/or appraisal if one already exists or upon request.

General Guidelines

Loan Terms up to twenty (20) years, with longer payment amortization if needed.
Maximum Loan amount should not exceed three (3) times annual tithes and offerings, and should not exceed 75% of the project cost or appraisal in most cases.
Project or Construction Draws should not exceed more than one (1) per month.

Pricing and Fees

Loan Interest Rates are typically fixed for three (3) years and adjusted every three (3) years thereafter to WIF prevailing Interest Rate at that time.
Interest Rates are subject to change up until Loan Closing, unless noted otherwise.
Loan Servicing Fee of ½ of 1%, with $250 minimum.