BEYOND OURSELVES

From our earliest days, St. Andrew has always looked beyond ourselves.

Each generation has responded faithfully to God’s call
to love our neighbors,
to grow in faith,
and to serve the common good.

Today God continues to call us to go beyond who we are to embrace a future infinitely greater than we can ask or imagine.

BEYOND OUR DOORS

St. Andrew’s vision is to end the modern epidemic of loneliness, isolation, and disconnection that plagues our families, our youth and children, and our region. It’s a vision that only God can make possible. It’s a future that can only be achieved by working together.

Imagine a community where we know one another and are deeply known, where the sacred worth of every person is honored, where those in emotional, spiritual and material need find the support and care that foster wholeness and healing. We’re building that community in our congregation, neighborhoods, workplaces, and everywhere we live, work and play.

BEYOND THE HORIZON

Our church facility is the foundation for the future we are building. Imagine if we were done paying for it.

Your pledge to the Beyond campaign will help retire mortgage debt and fund critical maintenance needs, securing St. Andrew’s future as a vital community hub dedicated to growing our faith, loving our neighbors and serving the common good.

Through your generous support God will be able to do far beyond what we can ask or imagine!

 

 

BEYOND IMAGINATION

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FAQ’s

What is the Beyond Capital Campaign?

In 2005 St. Andrew moved to Highlands Ranch following an overwhelming approval from our members. By 2010, St. Andrew had completed the first two phases of the land acquisition and building program totaling $28.5 million. Since 2005, more than $23 million has been raised to fund this project. The balance of the project cost was funded with a loan. On May 1, 2018, the outstanding balance on the loan will total only $5.1 million, just 18% of the total project cost.

The Beyond Capital Campaign is your opportunity to help further retire our indebtedness over the next three years and now that parts of our facility are 10+ years old, fund critical maintenance needs associated with every aging facility.

Why do we need a capital campaign?

We have been servicing our existing debt through contributions to our current capital campaign, Greater Things. This successful campaign concludes in April 2018. The Beyond campaign will provide the resources to continue servicing the debt after Greater Things ends.

What is the goal for Beyond?

At a minimum, we need $2.5 million in financial commitments to service our mortgage over the next three years ($2.2 million), and fund critical capital maintenance on our facility ($300,000). We hope to have pledges in excess of this that will allow us to pre-pay as much of the outstanding loan as possible. The debt has allowed us to pursue ministry that would not have been possible without it, but it’s inspiring to think about what we will be able to do when we have fully retired our existing mortgage.

What are the critical capital maintenance projects that need to be done?

There is always on on-going list of maintenance items that need to be done to preserve the integrity of a facility the size of ours. We currently need to address the drainage of underground water and the effect it is having on our parking lot, recoating and repairing portions of the roof, repairing our boiler and replacing the carpet on the main floor.

What are the specific terms of our current loan?

Our current loan is with First Bank. It started as a construction loan that converted into a permanent loan at the end of the last phase of construction. The permanent loan is a fifteen-year, self-amortizing loan which runs through May 2026. In 2012, when the construction loan converted to a permanent loan, the outstanding loan balance was $7.6 million. The interest rate is fixed at 4.35%. Our current monthly payments are $61,902.

Where will we stand on the loan at the end of Beyond in 2021?

If we do nothing more than make the minimum monthly payments over the next three years, the outstanding balance of the loan in April of 2021 will be down to $3.4 million, just 12% of the total cost.

Have we investigated refinancing the loan?

We have. We regularly discuss better loan terms with our existing lender and other financial institutions. While there have been opportunities to extend the term and thereby reduce the current monthly payment, there has not an opportunity to significantly reduce the interest rate from the 4.35% we are currently paying. The Finance Committee has not felt it was in St. Andrew’s best interest to extend the loan obligation even further into the future.

How is a pledge to Beyond different from a pledge to the Annual Operating Budget?

St. Andrew has historically separated pledge commitments between those for our annual programming expenses and those for capital improvements. Your pledge to Beyond is for a three-year period and will only be used to service the existing debt and fund necessary capital maintenance projects.

How can I contribute to Beyond?

Pledges can be fulfilled with a one-time gift, three annual gifts, or quarterly, monthly or weekly gifts. In addition to cash, contributions of stock are accepted.

What happens if we do not reach our goal?

If we do not receive contributions sufficient to make the mortgage payments or undertake the necessary capital maintenance projects we will use contributions to the operating budget. Every year our staff and lay leadership plan ministry budgets that fully utilize the anticipated operating contributions for the year. If we were to find ourselves in a position of insufficient capital funds we would be forced to use money from our operating proceeds, thereby reducing our ministry programs.