Services

Our Homeownership Services

Whether you’re already a homeowner or want to purchase a home today or in the future, take advantage of INHP’s comprehensive lending, mortgage and credit advising and homebuying education services designed to help you become and remain a long-term, successful homeowner.

Want to Buy a Home?

Home Mortgage Loans

  • Low minimum credit score of 570
  • Down payments as low as 3% of purchase price
  • Unique features like no PMI and down payment assistance
  • Access to mortgages from 17 different lenders
  • Rehab loan options for fixer uppers

Mortgage and Credit Advising

  • One-on-one homeownership advising for up to 2 years
  • Personalized homeownership plans based on your situation
  • Help to improve credit, reduce debt and save for down payment

Homebuyer and Financial Education

  • Dollars & Sense class to make the most of your income and improve budgeting
  • Understanding Credit class to learn the importance of credit and tips to improve your score
  • Homebuyer Education class to help you navigate the process to buy a home from start to finish

Need to Improve your Home?

Emergency Repairs

  • Make essential repairs to keep your house safe and habitable like roofs, plumbing, furnace, sewer and more.
  • 0% interest/.25% APR**
  • No monthly payments or out-of-pocket expense
  • Access to licensed contractors and project support through INHP
  • Maximum loan amount $15,000

Accessibility Modifications

  • Make accessibility modifications like doorways, wheelchair ramps, bathrooms and more
  • 0% interest/.25% APR**
  • No monthly payments or out-of-pocket expense
  • Access to licensed contractors and project support through INHP
  • Maximum loan amount $15,000

Home Improvements

  • Make optional and cosmetic improvements like windows, flooring, bathroom and kitchen remodels, exterior siding/painting and more
  • Affordable fixed-rate loan
  • Maximum loan amount $15,000
  • Access to licensed contractors and project support through INHP

Energy Efficiency Upgrades

  • Reduce your energy bills by upgrading your furnace, air conditioner, water heater and other Energy Star® rated appliances including a refrigerator, washer, dryer, stove and microwave.
  • Affordable fixed-rate loan
  • Maximum loan amount $8,000