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Transforming Lives Communities in Mississippi and Alabama Renaissance Community Loan Fund is on a mission to empower people with the skills information and lending services they need to become successful home and business owners. RCLF offers home and business loans with a dedicated team of housing counselors and business coaches to help clients along their journey to home or business ownership. We are dedicated to helping residents in Mississippi and Alabama turn their dreams into reality. Home Loans If you are a first time homeowner interested in refinancing or need additional funds to make home improvements we have a loan option and resources that can work for you.