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In keeping with best business practices, NHS is committed to delivering top notch services in all areas.
Our commitment to excellent customer service includes:
1. Our main priority is to treat each customer as if they were the only customer.
2. We will answer each call politely, cheerfully, and patiently.
3. We will direct each customer to the proper staff member to address their need.
4. Our duty is to make sure each customer leaves with a smile and a sense of satisfaction.
5. We will always maintain a respectful, professional, and friendly environment for our customers.

Neighborhood Housing Services (NHS) is a nonprofit “one-stop- shop” that turns housing dreams into reality by providing affordable housing and neighborhood revitalization services throughout Miami-Dade and Broward Counties. Sponsored in part by Miami-Dade County, services and classes are conducted in English, Spanish, and Creole. Staff capacity also allows us to communicate with customers in French. Distinctive in its lending services, NHS offers a comprehensive set of training and lending options for first-time homeowners. A certified NeighborWorks® Homeownership Center, Neighborhood Housing Services is also a chartered member of the NeighborWorks® network, a nationwide network of 245 trained and certified community development organizations at work in more than 4,400 communities across America. Go to www.mdnhs.org for more information.
How You Can Give to NHS
Click here
See an overview of our mortgage loan program:
Loan Guidelines
Homebuyer Education and Counseling
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Participants in NHS'
Homebuyer Education classes receive training from real estate agents,
insurance agents, and NHS Homeownership Counselors.
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As a certified Full-Cycle lender, NHS provides a comprehensive homebuyer
procurement and education system designed to increase access to homeownership,
especially for first-time and low- to moderate-income buyers.
These educational services are available
throughout Miami-Dade and Broward Counties,
as well as private and public sector partners, including other CDCs.
The educational services are based on a proven national
system of developing homebuyers, offering all of the services
and training that customers need to shop for, finance, insure,
maintain, and manage a home.
NHS offers the following services in English and Spanish –
and through a partnership with
Little Haiti Housing Association – in Creole:
- Orientation seminars
- Homebuyer education classes
- Credit counseling & mitigation assistance
- Pre-purchase counseling
- Post-purchase counseling
- Foreclosure prevention
The Partnership
has expertise in specific cultural and educational issues of people from
African-American, Haitian, and Hispanic backgrounds.
Together the organizations provide
a comprehensive homebuyer education system.
Mortgage Lending
Our lending services are provided through a system that is tailored
to the needs of homebuyers regardless of income level.
Special consideration is given to the needs of first-time
and lower-income homebuyers and the barriers they face in achieving homeownership.
We work closely with Neighborhood Housing Services of America,
which is our secondary market partner for purchasing our second
mortgage loans. We manage our own revolving loan fund portfolio.
- Pre-purchase qualifying
- Pre-approval through local banks
- First mortgages in association with local partner banks, no private
mortgage insurance (PMI), 2-3% down payment
- Second mortgages funded by our resources
as well as other resources at below market rates
- Loan servicing
NHS board and staff do not gain personally from individual transactions.
Single-Family Construction
In the 1990s the organization acquired land
for single-family housing construction prior to the
current staff coming on board. Significant
progress has been made in developing workable partnerships
and systems to move forward.
Construction was completed in 2005 on two of NHS’ properties in the Goulds area of Miami-Dade
County. These homes were sold to
low-income residents who completed
our Homebuyer Education class and participated in
one-on-one counseling.
We are currently working with the City of Homestead to build eight new single-family homes for low- to moderate-income residents. We also completed building four units in the West Little River neighborhood of northwest Miami-Dade County.
To read about current homes and condominiums for sale throughout Miami-Dade, click here.
Neighborhood Revitalization
Neighborhood revitalization infuses new life into older neighborhoods
through carefully designed strategies to address physical, economic,
and social issues in specific communities.
NHS is collaborating
with local churches, businesses, government agencies, and other non-profits to initiate a comprehensive neighborhood
revitalization effort. This partnership targets the Brownsville
area of Miami-Dade County.
During the past year, NHS has made tremendous progress with our Neighborhood Revitalization line of business. We have grown a strong working partnership with the Brownsville neighborhood, reaching out to new stakeholders and learning about the strengths of this area.
Read more about the specifics of NHS' work in Brownsville.
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