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 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, building an accessory dwelling unit (ADU), or replacing an aging manufactured home.
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.
REPAIR OR REPLACE MY SEPTIC SYSTEM
Clean Water Loans
Septic system repairs are often urgent, unexpected, and costly. If neglected, a failing septic system can force homeowners out of their homes and contaminate local waters. Craft3 Clean Water Loans help homeowners streamline repairs and prevent costly system failures.
BUILD AN ADU ON MY PROPERTY
ADU Loans
Help solve the housing crisis by creating affordable housing. Our ADU Loans empower homeowners to generate future income and support their communities - plus it gives loved ones a close place to stay while they visit!
REPLACE MY AGING MANUFACTURED HOME
Manufactured Home Replacement Loans
As manufactured homes age, they can start to lose value making it harder for residents to find the resources they need to purchase a new home. In partnership with Energy Trust of Oregon, our pilot program helps homeowners purchase new manufactured homes that are healthier, safer, and more energy-efficient.
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.
TRACKING IMPACT
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
