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, as well as traditional mortgage products.

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

Our affordable home loans can offer you low down payments, no mortgage insurance and flexible underwriting terms (program eligibility required). 

We specialize in:

  • First-time homebuyers
  • Conventional, FHA, VA & Community Loans
  • Loan to Value (LTV) up to 98%
  • Combined LTV up to 105%
  • Down payment & closing costs assistance programs
  • Subsidies & grants available from Miami-Dade, Broward or Palm Beach
  • Single family homes, townhomes or condos
  • In-house processing & underwriting for rapid response
  • Neither NHSSF board members nor staff gain personally from individual transactions.

 

For inquiries please contact:

Joaquin Garuz, (NMLS #1280768)
Mortgage Loan Officer
786-527-3280 
 JoaquinG@nhssf.org

Susan Ferguson, NMLS #1499572
Residential Loan Coordinator
786-527-3282
susanf@nhssf.org

PROCEED TO OUR LOAN CENTER

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.