Community Lending

Affordable Housing

NCRF believes safe, decent, affordable housing is a right, not a privilege. Additionally, NCRF believes that responsible, sustainable homeownership is a time-tested way for people to accumulate assets and lift themselves out of poverty. In support of these principles, NCRF makes short-term loans (three years or less) to create or preserve affordable housing. All types of affordable housing projects are eligible for financing, including: single family (both rental and ownership), multifamily, special needs and transitional housing.  SEE OUR IMPACT...

Community Facilities

Residents of low-income and underserved communities need to have access to human services, childcare, adult day health care, and medical and dental clinics. NCRF makes short-term loans (up to five years) to create or preserve community facilities that provide such services. SEE OUR IMPACT...

Economic Development

Community revitalization must include the provision of commercial services and job creation. Low-income and underserved communities often lack ready access to markets offering healthy food, pharmacies, banks and other retail establishments that residents of wealthier communities take for granted. NCRF makes short-term loans (three to five year terms) to finance economic development in low-income and underserved communities. SEE OUR IMPACT...