Home Loans

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NPHS provides lending services to people of varying credit qualities and incomes. NPHS offers high-quality first mortgage financing services to first time homebuyers as well as borrowers looking to refinance their existing home. We offer a variety of mortgage financing products including FHA, conventional, VA financing, along with multiple down-payment assistance programs. Our aim is to provide our customers with fair mortgage rates and reasonable prices, while keeping our clients informed and educated throughout the process.

Thinking of buying a home but hate paperwork? You can apply in person or online. Our online process makes it easy for you to fill out your paperwork to see if you are pre-approved. Just simply scan and upload your documents. You can do it anytime and anywhere, from a computer, tablet or smartphone. Finding out how much you can afford to borrow is just clicks away.

NPHS offers special loans that have low down-payment requirements and have no Private Mortgage Insurance (PMI).

FHA insured loans are a type of federal assistance and have historically allowed lower income Americans to borrow money for the purchase of a home that they would not otherwise be able to afford. FHA loans require a 3.5% down payment.

NPHS is honored to offer this top military benefit and help veterans purchase or refinance their homes, even with zero down for home purchases.

NPHS offers a variety of conventional mortgage loans that have no Private Mortgage Insurance (PMI) and require as little as 5% down .

THE ENERGY EFFICIENT MORTGAGE means comfort and savings. Whether you are buying, selling, refinancing, or remodeling your home, you can increase your comfort and actually save money by using the Energy Efficient Mortgage (EEM).  It is easy to use, federally recognized, and can be applied to most home mortgages. EEMs provide the borrower with special benefits when purchasing a home that is energy efficient, or can be made efficient through the installation of energy-saving improvements.

NPHS offers a variety of refinancing options to help lower your monthly mortgage payment or gain access to your home equity.

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Our team of Homeownership Specialists make it easy for you to communicate with them. Whatever your preferred method of contact is, we got you covered!