A young, growing church wanted to purchase a permanent property but had little financial history and a membership size that made the loan amount too large. However, the loan officer was able to show strengths like putting down 20% of the purchase price, retaining existing members by purchasing a property 1.8 miles closer, and housing for the pastor in addition to the sanctuary. These offset concerns about the church's age and size, allowing them to close on the loan with a 5 year, 20 year amortization at 5.01%.