Community Investment Trust

Connecting Capital to Community Impact

The Community Investment Trust is NPHS’ investment vehicle through which we aggregate and deploy CRA-eligible capital into community impact. The trust is composed of three targeted funds with clearly defined purposes: the Affordable Housing Fund, the Community Lending Fund, and the Social Innovation Fund. Every investment made by banks, foundations, and impact investors helps advance housing stability, financial mobility, and community resilience across Southern California.

The Affordable Housing Fund channels capital to catalyze affordable housing projects in all forms, such as affordable single-family and multifamily developments, innovative infill development, and small-lot housing. Investments in this fund help expand the pipeline of affordable housing across Southern California.

Activities supported by this fund include:

     – Predevelopment financing
     – Site acquisition & land control
     – Housing production partnerships
     – Development & preservation

The Community Lending Fund supports flexible financing products designed to democratize capital for underserved low-to-moderate income households. Our lending programs help families achieve homeownership, preserve their existing homes, and strengthen their financial stability.

Programs supported by this fund include:

     – Second mortgage & down payment assistance loans
     – Home improvement & home repair financing
     – Accessory dwelling unit (ADU) financing
     – Climate & wildfire resilience financing

 

The Social Innovation Fund provides flexible capital to incubate and scale initiatives that expand social impact. Investments support experimentation and innovation in areas like climate resilience, housing costs, community revitalization, and economic drivers to create safe, affordable communities. Through new technologies and partnerships, we strive to break barriers in the current housing model.

Initiatives supported by this fund include:

     – Innovative housing delivery
     – Community-based development platforms
     – Climate resilience & disaster recovery solutions
     – New financing tools
     – Social enterprises

Our Impact

Building Resilient Communities Since 1990

50,000+

Clients Educated & Counseled

13,000+

First-Time Homeowners Created

$5 Billion

Total Investment Into Our Local Communities

$35 M

Deployed In Down Payment Assistance

1,800+

Affordable Homes Developed & Preserved

Investment Opportunities

NPHS welcomes partnerships with financial institutions, foundations, and impact investors seeking to support CRA-aligned affordable housing and community development strategies.