NPHS

What NPHS does

NPHS (Neighborhood Partnership Housing Services, Inc.) is a 501(c)(3) nonprofit Community Development Financial Institution (CDFI) founded in 1990/1991 in Montclair, California, and headquartered in Rancho Cucamonga. The organization delivers a vertically integrated stack of homeownership and community development services across San Bernardino, Riverside, Eastern Los Angeles, and Imperial Counties in Southern California's Inland Empire. Its offerings span HUD-approved homebuyer education and counseling, down payment assistance (up to $100,000) and closing cost grants (up to $5,000 through the CAR HAF program), first mortgage lending (FHA, VA, conventional, and refinance products), in-house realty services, foreclosure prevention, reverse mortgage counseling, ADU financing, solar (Sojourner Solar Program), home repair loans and grants, and direct affordable housing development such as the 23-unit Sunrise at Bogart project. It also operates sub-brands including Homes by NPHS, the Center for Community Enterprises, and a Community Land Bank.

The technology stack is non-proprietary and consumer-facing rather than software-centric: NPHS relies on standard real estate marketing channels (Zillow, Redfin, Facebook, Instagram, YouTube) and an online education partnership with eHomeAmerica for HUD-approved coursework. There is no indication of a custom platform, AI/ML tooling, or patents. The revenue model blends government and foundation grants (including a $500,000 CDFI Fund award in 2023), program-related fees from counseling and the $100 online course, realty commissions from NPHS REALTORS (which are reinvested in community programs), and interest income from down payment assistance and home improvement loan portfolios.

Customer segments are long-tail and individual-centric: low-to-moderate-income families, first-time homebuyers, seniors, veterans, and small entrepreneurs. Strategic distribution leverages free monthly in-person workshops, walk-in offices (Rancho Cucamonga and Riverside), referrals from real estate agents and lenders, and direct administration of municipal programs such as the City of Menifee First Time Homebuyer Assistance Program. NPHS is governed independently with no parent company and is led by Clemente Arturo Mojic as President and CEO. Reported impact metrics include $54 million in direct local economic investment and 152 jobs created in 2015, plus more than 1,000 individuals educated annually through homebuyer workshops.

Name

NPHS

Legal name

Neighborhood Partnership Housing Services, Inc.

Website

https://nphsinc.org

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

11–50 employees

Short description

NPHS is a 501(c)(3) CDFI providing HUD-approved homebuyer education, down payment assistance, mortgage lending, realty, and home repair services to low-to-moderate-income households across Southern California's Inland Empire.

Ownership category

akta.pro rank

Product category

Community Development Housing Services

akta.pro primary industry

D-SNP Social Determinants of Health (SDOH) & Community Supports (HLAEAFAF)

Keywords

• Down payment assistance
• Homebuyer education
• Community development lending
• Housing counseling services
• Affordable housing finance

Headquarters

HQ city

Rancho Cucamonga

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Program Services and Government/Foundation Grants: As a 501(c)(3) nonprofit, NPHS generates revenue through government grants, foundation funding, and fees for services such as homebuyer education courses, homeownership counseling, and realty services. Revenue is reinvested into community programs.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

NPHS is a 501(c)(3) nonprofit Community Development Financial Institution (CDFI) that provides housing-related financial services, education, and lending to low-to-moderate income households across Southern California. Core offerings include down payment assistance programs, HUD-approved homebuyer education and counseling, first mortgage products (FHA, VA, Conventional, Refinance), home repair financing, ADU financing, realty services, and foreclosure/renter counseling.

Product overview

NPHS (Neighborhood Partnership Housing Services, Inc.) is a nonprofit community development organization providing a comprehensive suite of homeownership services across Southern California. The organization operates as a multi-product service provider rather than a single unified software platform. Its core offerings include: Down Payment Assistance Programs (up to $100,000), the C.A.R. HAF Closing Cost Assistance Grant Program (up to $5,000), Home Loans (FHA, VA, Conventional, and Refinance products), Realty Services, and various Home Repair Programs. Supporting services include HUD-Approved Homebuyer Education, Financial Wellness Programs, Foreclosure Prevention, Reverse Mortgage Counseling, and the ADUgo Financing Program for accessory dwelling units. The organization also develops affordable housing directly through projects like Sunrise at Bogart and markets renovated homes through Homes by NPHS. Services are geographically focused on San Bernardino, Riverside, Eastern Los Angeles, and Imperial Counties. Founded in 1990, NPHS also offers a Community Investment Trust for investor participation.

Differentiator

Problem solved

Functional benefit

Brands

• Homes by NPHS: Homes for sale program operated by the organization
• Center for Community Enterprises
• Community Land Bank

Products and services

• Down Payment Assistance Programs Grants and forgivable loans that help low-to-moderate income first-time homebuyers cover down payment and closing costs, available through NPHS directly and via municipal partnerships such as the City of Menifee First Time Homebuyer Assistance Program.
• C.A.R. HAF Closing Cost Assistance Grant Program Grant program administered in partnership with the California Association of Realtors (C.A.R.) Housing Affordability Fund that provides eligible first-time homebuyers with funds to cover closing costs.
• HUD-Approved Homebuyer Education and Counseling Pre-purchase education and counseling certified by the U.S. Department of Housing and Urban Development, equipping prospective low-to-moderate income first-time buyers with the knowledge required to qualify for NPHS lending and assistance programs.
• Home Loans First mortgage and refinance products originated by NPHS, including FHA Financing, VA Loans, Conventional Loans, and Refinance options, designed for low-to-moderate income and underserved borrowers.
• NPHS Home Repair Programs Loans and grants for income-eligible homeowners to fund critical home repairs, safety improvements, and code compliance work, delivered both directly and via city partnerships (City Home Repair Programs).
• Factory-Built ADU Financing Specialty financing product for the purchase and installation of factory-built Accessory Dwelling Units, also marketed under the ADUgo Financing Program, serving Southern California homeowners seeking to add rental or multigenerational living space.
• Realty Services In-house real estate brokerage services, including listing and transaction support through the Homes by NPHS platform, supporting clients buying or selling homes in Southern California.
• Foreclosure and Renter Services HUD-aligned counseling for homeowners facing foreclosure and renter support services for tenants in need, helping households preserve housing stability.
• Financial Wellness Programs Financial capability education covering budgeting, credit building, and money management for low-to-moderate income individuals and households.
• Reverse Mortgage Counseling Independent HUD-approved counseling for homeowners aged 62 and older evaluating reverse mortgages, providing unbiased guidance on obligations, alternatives, and suitability.
• Sojourner Solar Program Program supporting income-qualified homeowners with rooftop solar adoption, lowering household energy costs and improving housing affordability.
• Sunrise at Bogart Development Affordable housing development project owned and operated by NPHS, providing below-market rental or ownership opportunities for income-qualified households.
• Community Investment Trust Community investment vehicle that pools capital from supporters to fund NPHS's affordable housing and community development activities.

Quantifiable outcome

• $54 Million in direct investments into local economy in 2015
• +3 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Partnerships

One partnership is on record.

• California Association of REALTORS (CAR)coreStrategic or Co-development PartnerPartnership for the Housing Affordability Fund (HAF) Pathway to Home Closing Cost Assistance Grant Program, helping underserved communities achieve homeownership.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Self-Help Enterprises: California-based nonprofit CDFI serving rural and low-income communities with affordable housing development, homebuyer education, and lending. Closest geographic and mission analog to NPHS within California.
• Chicanos Por La Causa: Southwest-based community development corporation providing housing, education, and economic development services. Comparable integrated housing plus economic development nonprofit model serving underserved populations.
• Raza Development Fund: Largest Latino-focused CDFI providing affordable housing financing, lending capital, and community development services. Comparable CDFI structure and similar mission to NPHS's Inland Empire community focus.
• Enterprise Community Partners: National nonprofit developer and CDFI investing in affordable housing and community development. Directly comparable to NPHS for combining real estate development with housing counseling and lending services.
• Habitat for Humanity: Largest U.S. nonprofit affordable housing organization, providing homeownership opportunities, financial counseling, and home repair for low-income families. Comparable mission and integrated service model to NPHS.
• LISC (Local Initiatives Support Corporation): Major national CDFI providing financing, capacity-building, and community development services to local partners. Comparable as a similarly-missioned CDFI serving under-resourced communities with bundled housing and economic development programs.
• NeighborWorks America: National network of 250+ community development nonprofits including NPHS. Directly comparable as the umbrella organization supporting CDFIs delivering homeownership counseling, lending, and community development services.
• NACA (Neighborhood Assistance Corporation of America): HUD-approved counseling agency and mortgage assistance program delivering homeownership pathways for low-to-moderate income buyers. Directly comparable homebuyer education and affordable mortgage delivery model.

Regional players

• Housing Authority of the County of San Bernardino: Local public housing authority operating within NPHS's primary service territory. Comparable focus on affordable housing access in the Inland Empire but as a government agency rather than nonprofit CDFI.

Broad incumbents

• Federal Home Loan Bank of San Francisco: GSE-affiliated wholesale bank funding affordable housing through member institutions including NPHS's CDFI peers. Comparable as a major funder of affordable homeownership programs and a counterparty for AHP and down payment assistance grants.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/nphsinc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about NPHS