Don't Move, Improve!
Repair and rehabilitate your home with our low-cost financing and project management support
Whether you need to make minor repairs or major updates to your property, our team can help. We offer lower cost loans than if you worked with a traditional lender because we are a Community Development Financial Institution (CDFI). Our team of HUD-certified housing counselors will assess your budget and review your options for grant programs and affordable lending services. The construction project management team at NHS will oversee your work to completion while ensuring the budget and schedule stay on track.
Don’t Move, Improve! Workshop
Learn the steps needed to improve your home, and get familiar with the programs and services available at NHS, including grants and low-cost loans.
———————— To Get Started ————————
Sign Up for a DON’T MOVE, IMPROVE! Workshop
Home improvement loans
We have 0% to 6% lending programs available for qualified homeowners.* These home improvement loans may be applied to repairs and rehabilitation in the following areas:
- Bathrooms
- Electrical
- Flooring
- Heating
- Kitchen
- Painting
- Plumbing
- Roofing
- Accessory Dwelling Units (ADUs)
Sample payment plans
Here’s an example of the interest you might pay on one of our home improvement loans:
| Loan Amount | 2% | 4% | 6% |
| $20,000 | $128.70 | $147.94 | $168.77 |
| $30,000 | $193.05 | $221.91 | $253.16 |
| $40,000 | $257.40 | $295.88 | $337.54 |
| $50,000 | $321.75 | $369.84 | $421.93 |
| $60,000 | $386.11 | $443.81 | $506.31 |
*Program and income restrictions apply. Sample APR on a $40,000 loan at 3% for 15 years is 3.75%.
ADU Program
Need more space, but want to stay in place? An ADU might be the answer. These detached living spaces can provide more room for your family.
Construction project management services
With a competitive rate and deep roots in the community, our construction project management is here to serve you. Our commitment to quality, safety, and excellence is built into our Don’t Move, Improve! program.