At a glance
From its website, read 2 Nov 2026Neighborhood Housing Services of Baltimore, Inc. is a loan fund based in Baltimore, Maryland. Its website describes home repair loans and home mortgages. Where it lends: Baltimore City. 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 | (410) 327-1200 source |
|---|---|
| Apply online | Page with the application link |
| Website | nhsbaltimore.org |
| Office (official list) | 25 East 20th Street , Suite 170, Baltimore, MD 21218 |
What their website says about applying
Complete your application through our customer portal.
sourceFor mail in applications, please send to
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
- Income limit applies
Available to Baltimore City homeowners earning up to 80
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) | 24 Jun 2026 |
| RSSD ID | — (none listed) |
| Address | 25 East 20th Street , Suite 170, Baltimore, MD 21218 Directions (Google Maps) |
| Website | nhsbaltimore.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 7 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: high. The NHS Mortgage loan amounts and terms were not stated on the pages fetched. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Home repair / improvement loans | — | Borrow up to $20,000 | source |
| Home mortgages | — | Get a mortgage that works for you, not against you. Our in-house mortgage programs offer flexible terms, fewer fees, and personalized guidance | source |
Loan sizes
Service area
Baltimore City
If you live in Baltimore City, NHS Baltimore offers two types of home improvement loans to help you complete everything from small fixes to major upgrades.
source
Counties this matches: Baltimore City, MD
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Complete your application through our customer portal.
source
Pages read (7)
- https://www.nhsbaltimore.org/
- https://www.nhsbaltimore.org/finance-a-home/
- https://www.nhsbaltimore.org/nhs-of-baltimore-introduces-loan-product-aimed-at-making-homebuying-easier/
- https://www.nhsbaltimore.org/fix-up-your-home/
- https://www.nhsbaltimore.org/rapid-home-improvement/
- https://www.nhsbaltimore.org/rehab-home-improvement/
- https://www.nhsbaltimore.org/what-is-a-rehab-home-loan-benefits-how-to-get-one/
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.
- 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 home repair loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - 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$15.1 million in 9 awards from the U.S. Treasury's CDFI Fund, 2013–2023 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2023 | Capital Magnet Fund | $2,812,500 |
| 2022 | CDFI Equitable Recovery Program | $1,122,087 |
| 2021 | CDFI Program, Financial Assistance | $766,530 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2020 | Capital Magnet Fund | $2,200,000 |
| 2018 | Capital Magnet Fund | $3,000,000 |
| 2017 | CDFI Program, Financial Assistance | $1,006,905 |
| 2015 | CDFI Program, Financial Assistance | $1,500,000 |
| 2013 | CDFI Program, Financial Assistance | $847,000 |
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.
Size of the fund (IRS Form 990)
Fiscal year ending Aug 2023| Total assets | $37.7M |
|---|---|
| Total liabilities | $12.1M |
| Net assets | $25.6M |
| Total revenue | $6M |
| Notes and loans receivable, net (Part X line 7) | $20.7M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending August 2023 (tax year 2022; EIN 52-1007666, filed as “NEIGHBORHOOD HOUSING SERVICES OF BALTIMORE INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Aug 2021 (990) | $24.7M | $21.4M | $5.6M | $15.8M |
| Aug 2022 (990) | $36.9M | $25M | $8.1M | $17.8M |
| Aug 2023 (990) | $37.7M | $25.6M | $6M | $20.7M |
Total assets grew 53% from Aug 2021 to Aug 2023; notes and loans receivable rose 31%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets, latest IRS Form 990 | $37.7M | Larger than 67% of the 9 other certified loan funds and venture funds in Maryland with a matched Form 990 (median $17.7M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Form 990 total assets | certified loan and venture funds with a Form 990, in Maryland | 9 | larger than 67% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).
Other certified CDFIs in Baltimore and Maryland
- Baltimore Community Lending, Inc.Loan fund · Baltimore, MDCommercial real estate loans, Affordable housing development loans, Small-business loansVerified
- Harbor Bank of MarylandBank or thrift · Baltimore, MDCommercial real estate loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- Harbor Bank of Maryland Community Development CorporationLoan fund · Baltimore, MDEquity / venture investmentVerified
- HARBOR BANKSHARES CORPORATIONBank holding company · Baltimore, MDCommercial real estate loans, Home mortgages, Personal / consumer loans, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- Municipal Employees Credit Union of Baltimore, Incorporated d/b/a MECUCredit union · Baltimore, MDOfficial list only
- Neighborhood Impact Investment Fund, Inc.Loan fund · Baltimore, MDCommercial real estate loans, Small-business loansVerified
- New American Community Lending CorporationLoan fund · Baltimore, MDOfficial list only
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