Renaissance Community Loan Fund, Inc.

What their website says about applying

• To begin the process of purchasing a home through RCLF, click below and fill out the Home Purchase Inquiry form. source

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.

• Minimum credit score: 650 qualified borrowers with a minimum credit score of 650 source
• Income limit applies Household income must not exceed 80 percent of the area median income. source
• Homebuyer education required Homebuyers are required to complete a Homebuyer Education Course. source
• First-time homebuyer program HELP assists low-income qualified, first-time homebuyers with down payment assistance and closing costs. source

Only rules the lender's own pages state. Other requirements may apply.

Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Business loan detail pages were not fetched, so business loan terms and amounts are not stated. Terms change — confirm with the lender before applying.

Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

1. What are the smallest and the largest loans you make?
   No loan amounts are stated on their website.
2. What is the APR, including fees, on your home repair loans and home mortgages?
   Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare.
3. What interest rate and fees should I expect on your small-business loans?
   Their website does not state a rate for this.
4. Do you need collateral, a business plan or a minimum time in business?
   Their website does not say what they require.
5. Do you offer free coaching or help preparing my application?
   CDFI certification requires development services, such as training or advice, alongside lending.
6. What documents will you need from me, and how long does a decision usually take?
   Their website describes some application steps (above); ask for the full document list.

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 20-8181931, filed as “RENAISSANCE COMMUNITY LOAN FUND INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer

Filings over time

Total assets grew 23% from Dec 2021 to Dec 2023; notes and loans receivable rose 49%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).

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