— “God values trust over possession, and restraint over expansion.”
📖 Summary
The Bible does not forbid borrowing,
but it warns against becoming enslaved to debt (Prov 22:7).
Owning a house is not sinful,
but buying beyond one’s means out of fear or pride violates biblical stewardship.
God calls us to contentment, not comparison.
“God desires your peace, not your mortgage.”
1️⃣ Introduction | “If I don’t buy now, I’ll never afford it.”
In modern culture, home ownership equals success.
Yet Scripture redefines success as faithful living, not financial leverage.
Debt may buy a house, but it can steal peace.
2️⃣ Biblical Foundation
📘 Proverbs 22:7 — “The borrower is the slave of the lender.”
📘 Romans 13:8 — “Owe no one anything, except to love each other.”
📘 Luke 12:15 — “Life does not consist in possessions.”
📘 Matthew 6:33 — “Seek first the kingdom of God.”
→ God calls us to stewardship, not servitude.
3️⃣ Theological Insights
📜 John MacArthur — Whose Money Is It Anyway?
“Debt binds; God frees.”
📜 R.C. Sproul — The Christian Steward
“A steward manages what God has given, not what he presumes.”
📜 John Piper — Desiring God
“Desire can distort faith; faith disciplines desire.”
📜 Tim Keller — Counterfeit Gods
“Finding security in property is modern idolatry.”
📜 Westminster Larger Catechism Q.142
“Endangering oneself through risky contracts violates God’s law.”
4️⃣ False Views vs. Biblical Truth
| False View | Problem | Biblical Truth |
|---|---|---|
| “Everyone borrows.” | Cultural conformity | God provides what’s needed (Matt 6:33). |
| “Home = stability.” | Material security | True peace is spiritual, not financial (Ps 127:1). |
| “I can handle the payments.” | Overconfidence | Debt removes freedom (Prov 22:7). |
| “Owning is always better than renting.” | Pride-driven logic | Stewardship > ownership (Rom 13:8). |
5️⃣ Practical Application
1️⃣ Distinguish need vs. desire.
→ Don’t spiritualize greed.
2️⃣ Set risk boundaries.
→ If debt removes peace, it’s not God’s provision.
3️⃣ Pray and seek counsel.
→ Ask, “Will this glorify God or enslave me?”
6️⃣ Conclusion
Home ownership can be good stewardship—
but not when it replaces trust in God with trust in leverage.
God blesses faithful simplicity more than fearful ambition.
“Better a peaceful rent than a restless mortgage.” — Revito
Faith. Stewardship. Peace. — Revito
🔖 Hashtags
#ChristianFinance #DebtAndFaith #MortgageWisdom #Proverbs227 #Romans138 #Luke1215 #Matthew633 #JohnMacArthur #RCSproul #JohnPiper #TimKeller #WestminsterCatechism #ReformedTheology #FaithStewardshipPeace #Revito
