At a glance
From its website, read 2 Nov 2026Neighborhood Housing Services of New York City, Inc. is a loan fund based in New York, New York. Its website describes home repair loans and home mortgages. Stated loan amounts run from $10,000 to $250,000.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (212) 519-2500 source |
|---|---|
| lending@nhsnyc.org source | |
| Website | www.nhsnyc.org |
| Office (official list) | 306 West 37 Street, Suite 1101, New York, NY 10018 |
What their website says about applying
Use the green button under any product listed below. All applications use the same form.
sourceTo apply, please download and complete the intake form, email the completed form 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.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Home repair / improvement loans | Rate stated, not as an APR: see their wording | 5-year, fixed-rate term (6%) | source |
| Home repair / improvement loans | Term: see their wording | 5-year, fixed-rate term (6%) | source |
| Home repair / improvement loans | Term: see their wording | Up to 15-Year fixed-rate term | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Minimum credit score: 620
Minimum required FICO score: 620
source - Training or counseling required
This course is required for home buyers applying for a loan from NHSNYC or one of our banking partners to purchase a 2-4 unit property.
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 | 306 West 37 Street, Suite 1101, New York, NY 10018 Directions (Google Maps) |
| Website | www.nhsnyc.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. Grants, downpayment assistance and the paused HomeFix program were excluded from the product list. 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 | $20,000 – $30,000 | Minimum loan amount: $20,000. Maximum loan amount: $30,000 | source |
| Home mortgages | up to $250,000 | Mortgage loans of up to $250,000 | source |
Loan sizes
Mortgage loans of up to $250,000
sourceMinimum loan amount: $20,000. Maximum loan amount: $30,000
sourceLoan amount $10,000
source
Range used for the size filter: $10,000 to $250,000
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
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 is the APR, including fees, on your home repair loans and home mortgages?
Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare. - 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. - Can I apply online, or do I need to call or visit?
We found no online application on their website. - 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$4 million in 5 awards from the U.S. Treasury's CDFI Fund, 1998–2022 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Program, Technical Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $500,000 |
| 2019 | CDFI Program, Financial Assistance | $350,000 |
| 2018 | CDFI Program, Financial Assistance | $600,000 |
| 2004 | CDFI Program, Technical Assistance | $38,000 |
| 1998 | CDFI Program, Financial Assistance | $2,500,000 |
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 Dec 2023| Total assets | $22M |
|---|---|
| Total liabilities | $15.8M |
| Net assets | $6.2M |
| Total revenue | $10.2M |
| Notes and loans receivable, net (Part X line 7) | $8.2M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending December 2023 (tax year 2023; EIN 13-3098397, filed as “NEIGHBORHOOD HOUSING SERVICES OF NEW YORK CITY 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 |
|---|---|---|---|---|
| Dec 2021 (990) | $17.5M | $2.7M | $4.8M | $7.9M |
| Dec 2022 (990) | $25.1M | $4M | $12.3M | $7.9M |
| Dec 2023 (990) | $22M | $6.2M | $10.2M | $8.2M |
Total assets grew 25% from Dec 2021 to Dec 2023; notes and loans receivable rose 4%. 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 |
|---|---|---|
| Largest loan its website states | $250,000 | Other loan funds whose website states a maximum: median $275,000. Higher than the stated maximum of 38% of these 184. |
| Total assets, latest IRS Form 990 | $22M | Larger than 54% of the 39 other certified loan funds and venture funds in New York with a matched Form 990 (median $12.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other loan funds stating a maximum, nationwide | 184 | higher than 38% |
| Form 990 total assets | certified loan and venture funds with a Form 990, in New York | 39 | larger than 54% |
“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).
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