Responding to COVID-19
The health and safety of our team and of our clients is of the utmost importance to us. NPHS is adjusting its operations. Our team will maintain regular business hours, but many of them will work remotely. We encourage you to connect with our team over the phone or by email as our office will be closed to the public. We are dedicated to meeting your housing needs with minimal interruption in service.
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.