Great Mortgage Loan Programs

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NHSSF offers a comprehensive set of lending options included as an integral part of our one-stop-shop (NMLS# 291479). 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%
  • Flexible underwriting
  • 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.


We are able to provide the following types of loans to our customers:

  • FHA Loans
  • VA Loan
  • Conventional Loans
  • Jumbo Loans
  • USDA Loans
  • Loans for 2-4 unit buildings
  • Reverse Mortgage Loans
  • Non-QM Loans
  • Bank Statement Loans
  • Refinance Loans
  • Rehabilitation Home Loans


For inquiries please contact:

Jose "Jay" Clue

Jose “Jay” Clue
Lending Manager

NMLS # 362322

Direct: 786-527-3280

Cell: 818-601-2891


photo of John Neal

John Neal
Senior Lending Officer

NMLS # 341897

Direct: 786-237-2127

Cell: 954-483-3944


photo of Carlos Ferbeyre

Carlos Ferbeyre (se habla español)
Senior Mortgage Loan Originator

NMLS # 11006838

Direct: 786-527-3270

Cell: 786-972-1409


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