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 to repair or replace a failing septic system.
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.
Customer Stories
A New Septic System for a Little Piece of Paradise
Amber and Isaac live in a log home on a beautiful 8-acre property with views of Mount Hood. Like many rural residents they have a septic system and when theirs began to fail, they found themselves facing a major expense. Paying out of pocket was not an option. They Googled “septic loan,” found Craft3, and secured a Clean Water Loan that let them install a brand-new system.
TRACKING IMPACT
Making A Difference
In 2024, Craft3 made more than 700 consumer loans, totaling over $19 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
