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NHSSF Lending Current Programs and Requirements


Conventional Financing

  • Minimum credit score 640 (no exceptions)
  • 97% Financing available for purchases
  • 1st Time Homebuyers OK
  • Max DTI (debt ratio) 45%
  • Refinance rate and term 97%
  • Refinance cash out 80% max
  • LP and AUS accepted
  • High balances accepted


FHA Financing

  • Minimum credit score 620
  • Gift funds allowed for down payment
  • 1st Time Homebuyers OK
  • Gift funds allowed for down payment and closing costs
  • 96.5% Financing for purchases
  • Cash out Refinances up to 80% LTV/FHA streamline available
  • Manufactured homes are eligible


VA Financing

  • Minimum credit score 620
  • Cash out up to 90% LTV/VA streamline available
  • 100% Financing on purchases (Seller to pay borrower closing costs)
  • Foreclosure/Bankruptcy/Short Sale < 2yrs allowed with AUS approval



  • Minimum credit score 640
  • 100% Maximum LTV
  • No maximum loan amounts
  • Rate and term financing allowed
  • Manufactured homes allowed


For more information please contact:

Carlos Ferbeyre
Lending Manager
(se habla español)

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.