Mortgage Lending

NHSSF offers a comprehensive set of lending options included as an integral part of our one-stop-shop. As a Community Development Financial Institution (CDFI), we specialize in providing financial products and services to people and communities underserved by traditional financial institutions.

Our affordable home loans can offer you low down payments, no mortgage insurance and flexible underwriting terms (program eligibility required). We also specialize in working with local municipality’s subsidies and down payment assistance programs for buyers who qualify.

Our experienced lending team is here to help you:

  • Make informed, unbiased decisions
  • Purchase a home you can afford and keep
  • Provide loans that are safe and competitive

Neither NHSSF board members nor staff gain personally from individual transactions.


For inquiries please contact:

Joaquin Garuz, Mortgage Loan Officer (NMLS #1280768)


Our automated system will guide you through the loan process

Equal Housing Opportunity Neighborhood Housing Services of South Florida does business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.