At a glance
From its website, read 2 Nov 2026Neighborhood Housing Services of Rochester Inc is a loan fund based in Rochester, New York. Its website describes home repair loans and home mortgages. Where it lends: Western New York State. It serves borrowers in Spanish.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Main | (585) 325-4170 source |
|---|---|
| Phone | (716) 885-2344 source |
| info@ncpny.org source | |
| Website | www.ncpny.org |
| Office (official list) | 130 East Avenue Suite 200, Rochester, NY 14604 |
What their website says about applying
Contact us today and one of our navigators will help check your eligibility and get you enrolled.
sourceDebes inscribirte y completar el formulario de la agencia.
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 |
|---|---|---|---|
| Loans (general) | Rate stated, not as an APR: see their wording | un préstamo de pago diferido de WSNHS con un interés del 0 % | source |
| Home repair / improvement loans | Rate stated, not as an APR: see their wording | low interest loans (as low as 0%) | 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
- First-time homebuyer program
Must be considered by HUD to be a first-time homebuyer
source - Income limit applies
Household must meet HUD low- to moderate-income guidelines (below 80% AMI).
source - Homebuyer education required
Curso de educación para compradores de vivienda
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) | 17 Sep 2013 |
| RSSD ID | — (none listed) |
| Address | 130 East Avenue Suite 200, Rochester, NY 14604 Directions (Google Maps) |
| Website | www.ncpny.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: medium. Home repair and mortgage products are described, but no loan amounts for them are stated and no online application is shown. 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 | — | we have low interest loans (as low as 0%) available to help you repair your home. | source |
| Home mortgages | — | competitive, conventional, fixed interest rate loans designed to make homeownership accessible and affordable. | source |
Loan sizes
No amounts stated on the pages we read.
Borrower focus
- First-time homebuyers
Must be considered by HUD to be a first-time homebuyer, meaning the applicant cannot have owned a home during the three-year period prior to purchase.
source - Low- and moderate-income / underserved
Household must meet HUD low- to moderate-income guidelines (below 80% AMI).
source
Languages
- Spanish
NCP ofrece financiamiento flexible para mejoras ecológicas, energéticamente eficientes y de otro tipo en el hogar
source
Online application
No online application link found on the pages we read.
Pages read (7)
- https://www.ncpny.org/
- https://www.ncpny.org/buffalo-loan-program
- https://www.ncpny.org/home-rehabilitation-green-lending-1
- https://www.ncpny.org/es/buffalo-loan-program
- https://www.ncpny.org/es/home-rehabilitation-green-lending-1
- https://www.ncpny.org/es/ub-h-o-m-e-program
- https://www.ncpny.org/comprehensive-homeowner-program
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 states a rate, but not as 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. - 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$4.7 million in 8 awards from the U.S. Treasury's CDFI Fund, 2009–2024 (CDFI Program, Financial Assistance; CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $800,000 |
| 2021 | CDFI Rapid Response Program | $743,000 |
| 2018 | CDFI Program, Financial Assistance | $700,000 |
| 2015 | CDFI Program, Financial Assistance | $775,000 |
| 2013 | CDFI Program, Technical Assistance | $55,334 |
| 2012 | CDFI Program, Financial Assistance | $553,806 |
| 2011 | CDFI Program, Financial Assistance | $600,000 |
| 2009 | CDFI Program, Financial Assistance | $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 | $8.8M |
|---|---|
| Total liabilities | $1.5M |
| Net assets | $7.4M |
| Total revenue | $2.2M |
| Notes and loans receivable, net (Part X line 7) | $4.6M |
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 13-2976987, filed as “NEIGHBORHOOD HOUSING SERVICES OF ROCHESTER 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) | $8.9M | $6.6M | $3M | $3.6M |
| Dec 2022 (990) | $9.2M | $7.3M | $3.3M | $3.4M |
| Dec 2023 (990) | $8.8M | $7.4M | $2.2M | $4.6M |
Total assets fell 1% from Dec 2021 to Dec 2023; notes and loans receivable rose 28%. 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 | $8.8M | Larger than 38% of the 39 other certified loan funds and venture funds in New York with a matched Form 990 (median $16.2M). |
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 New York | 39 | larger than 38% |
“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 Rochester and New York
- Genesee Co-Op Federal Credit UnionCredit union · Rochester, NYAuto / vehicle loans, Credit-builder loans, Energy / solar / efficiency loans, Home repair / improvement loans…Verified
- Greater Rochester Housing PartnershipLoan fund · Rochester, NYAffordable housing development loansVerified
- PathStone Enterprise Center, Inc.Loan fund · Rochester, NYOfficial list only
- Venture Jobs FoundationLoan fund · Rochester, NYOfficial list only
Work at Neighborhood Housing Services of Rochester Inc? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.