NPHS
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.
- Company typePrivate
- Founded1990
- HeadquartersRancho Cucamonga, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
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.
NPHS firmographics
Firmographics- 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
NPHS industry classification
Industry- Product category
- Community Development Housing Services
- akta.pro primary industry
- D-SNP Social Determinants of Health (SDOH) & Community Supports (HLAEAFAF)
Keywords
Where NPHS is headquartered
LocationHeadquarters
- HQ city
- Rancho Cucamonga
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
NPHS business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- 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
| Model | Billing | Price |
|---|---|---|
| Other | One-time | Free Homebuyer Education Workshop |
| Other | One-time | Online Homebuyer Education Course |
| Other | One-time | C.A.R. HAF Closing Cost Assistance Grant |
| Other | One-time | Down Payment Assistance |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels5 records
NPHS product offering
Product offeringCore 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
Companies that use NPHS
Customer profileNamed customers4 records
Segments6 records
Ideal customer profiles4 records
NPHS technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
NPHS partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- California Association of REALTORS (CAR)corePartnership 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
NPHS competitors and assessment
Company assessmentDirect 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
NPHS social profiles
Digital presenceNPHS compliance and trust
Trust signalCompliance1 record
NPHS financial estimates
Financial estimateRevenue estimate
Valuation estimate
NPHS leadership team
Management profileNumber of profiles
Profiles1 record
NPHS funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
NPHS M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about NPHS
What does NPHS do?
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.
Is NPHS a public or private company?
NPHS is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was NPHS founded?
NPHS was founded in 1990. It employs 11 to 50 people.
Where is NPHS based?
NPHS is headquartered in Rancho Cucamonga, United States, in the North America region.
How does NPHS make money?
One revenue line is on record: program Services and Government/Foundation Grants.
Who are NPHS's main competitors?
Direct peers on record are Self-Help Enterprises, Chicanos Por La Causa, Raza Development Fund, Enterprise Community Partners, Habitat for Humanity, LISC (Local Initiatives Support Corporation), NeighborWorks America and NACA (Neighborhood Assistance Corporation of America). Housing Authority of the County of San Bernardino is listed as a regional player. Federal Home Loan Bank of San Francisco is listed as a broad incumbent.
Does NPHS have an API?
No public API is recorded for NPHS.
What industry is NPHS in?
NPHS's product category is Community Development Housing Services. Its primary akta.pro industry code is HLAEAFAF, D-SNP Social Determinants of Health (SDOH) & Community Supports.