The mission of mercy community capital is to provide below-market loans in order to support affordable housing developments when conventional financing is not possible or affordable. Developers and nonprofit organizations seeking loans from mercy community capital MUST demonstrate that the property will serve a resident basis where the family's average medium income cannot exceed 80% of the AREA medium income. Mercy community capital has helped finance the development of single- and multi-family homes for rental and homeownership. These developments serve a variety of people, including low-income families and individuals, the working poor, seniors, FARM workers, formerly homeless individuals and people with special needs. Mercy community capital is certified by the u.s. Treasury department as a community development financial institution.