At a glance
From its website, read 2 Nov 2026Homeworks Community Lending LLC is a loan fund based in Johnson City, Tennessee. Its website describes small-dollar emergency loans, home repair loans, home mortgages and 1 other loan type. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (423) 930-9730 source |
|---|---|
| Lending | (423) 232-5097 source |
| info@hwclending.org source | |
| Apply online | Page with the application link |
| Website | hwclending.org |
| Office (official list) | 3 Limited Centre, Johnson City, TN 37604 |
What their website says about applying
non-refundable credit report fee for pre-qualification will be taken via credit card at the end of the application.
sourceIf you have applied before, please get in touch with us before applying again.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Who qualifies, in their words
- No or thin credit history considered
Non-traditional credit may be used to create a credit history.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 1 Jul 2026 |
| RSSD ID | — (none listed) |
| Address | 3 Limited Centre, Johnson City, TN 37604 Directions (Google Maps) |
| Website | hwclending.org |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 5 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. No loan amounts, service area, or language statements appear on the pages fetched, and no individual loan detail pages were fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Small-dollar / emergency loans | — | Emergency Apply | source |
| Home repair / improvement loans | — | Home Works Community Lending is pleased to offer a new Home Repair Loan Program. Apply today by downloading the application below. | source |
| Home mortgages | — | Conventional loans are often the best option for borrowers with strong credit who can contribute a down payment of at least 3%, or perhaps quite a bit more. | source |
| Personal / consumer loans | — | Personal Apply | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Low- and moderate-income / underserved
Available to low and very-low-income applicants in eligible rural areas.
source - Rural
Available to low and very-low-income applicants in eligible rural areas.
source - Veterans
VA loans are guaranteed by the U.S Department of Veterans Affairs and are available only to active service members and veterans.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. non-refundable credit report fee for pre-qualification will be taken via credit card at the end of the application.
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your small-dollar emergency loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$550,000 in 3 awards from the U.S. Treasury's CDFI Fund, 2021–2024 (CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Technical Assistance | $300,000 |
| 2022 | CDFI Program, Technical Assistance | $125,000 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Other certified CDFIs in Johnson City and Tennessee
- Affordable Housing Resources, Inc.Loan fund · Nashville, TNHome mortgagesVerified
- BetterFiLoan fund · Chattanooga, TNCredit-builder loans, Small-dollar / emergency loans, Personal / consumer loans, Small-business loansVerified
- Carroll Bank and TrustBank or thrift · Huntingdon, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Centennial BankBank or thrift · Trezevant, TNAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
- Citizens Savings Bank and Trust CompanyBank or thrift · Nashville, TNCommercial real estate loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Copper Basin Federal Credit UnionCredit union · Copperhill, TNAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified
Work at Homeworks Community Lending LLC? Link to this page
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