A home is much more than a roof over your head

Loans for Homeowners

Craft3 has served homeowners across Oregon and Washington for more than twenty years.

a man in a pink shirt standing in a kitchen

A home is much more than a roof over your head. Our loans let you invest in yours, whether through energy efficiency improvements, a septic repair, or building an accessory dwelling unit (ADU).

Strengthening Homes

Accessible financing that lets you realize dreams and respond to crises.

Working in Partnership

To deliver impactful financing, we partner with government agencies, utilities, and community groups.

Lending for the Future

Our loans help households and communities, support local economies, and safeguard the environment we all depend on.

Loans for Homeowners

What Makes Craft3 Different?

We’re a community development financial institution (CDFI) – not a bank. We use capital and financial tools to enable homeowners to invest in their homes so they can build a better future.

Community crafted lending

We’re a nonprofit mission-driven lender focused on doing what’s best for our customers and communities.

Meeting customers where they are

We don’t push products. Instead, we take the time to get to know you and understand your situation.

Sound advice and help when you need it

We empower our customers by providing resources and advice, in addition to capital.

a group of people standing on top of a roof

Install Energy upgrades

Home Energy Loans

High upfront costs prevent many homeowners from making necessary energy improvements. Craft3 Home Energy Loans give homeowners a path to comfort, return on investment, and ongoing savings.

Customer Stories

Financing a Heat Pump for a 1901 Home

Frank and Shellie knew they needed to upgrade their inoperative baseboard heaters and old wood stove, but they didn't know it would cost $8,400. Luckily, their contractor knew about the Craft3 Home Energy Loan.


Making A Difference

In 2022, Craft3 made more than 600 consumer loans, totaling more than $15 million.

Our Team

“I love numbers! But I never forget that behind every application I review there’s a person that deserves careful and personalized attention.”

Nicole Gerke
Consumer Credit Underwriter, VP