• Who are CHC's borrowers?

    Community Housing Capital lends exclusively to members of the NeighborWorks network. This coalition of over 240 community development organizations is chartered by NeighborWorks America which provides access to technical assistance, grants, and regular assessments of organizational strength and capacity. NeighborWorks network organizations provide a wide array of housing and other services to their communities including improved homeownership opportunities for low- and moderate-income families, financial education, rehabilitation of dilapidated properties, and the construction and preservation of affordable rental homes across the nation. Moreover, NeighborWorks organizations strengthen communities by offering on-site programs that include health and nutrition intervention, education services, and workforce development opportunities. They have proven track records for positive housing outcomes and have built-in mechanisms, such as formal and informal surveys for obtaining and incorporating feedback from the communities and the economically disadvantaged individuals they serve. Their boards of directors include multiple representatives of their communities. Learn More about NeighborWorks America.

  • How is CHC different?

    Community Housing Capital brings together all the moving parts of a simple but powerful business model: we are experienced at underwriting affordable housing loans; we have access to a network of nonprofit organizations with exceptional performance records, and we lever public sector grants with private sector lenders to bring extremely flexible financing to the nonprofit community-based organizations that comprise the NeighborWorks network. Additionally, by bringing in loan participants, we are able to further leverage our financial resources thereby creating greater impact within communities of need.

    CHC shares the same mission as our borrowers so we have an in-depth understanding of the complex issues they face. Our loan committee is led and has members who are executive directors of network organizations. CHC is very experienced working with complex projects and we work collaboratively with each borrower to understand the key development milestones and subsidies necessary to make each project close quickly and efficiently. We offer the types of financing needed to span the entire life cycle of a property, from early-stage acquisition, lines of credit, and construction to long-term, 30-year amortizing multifamily mortgages. And, when a Fannie Mae, Freddie Mac, or FHA affordable housing product is a preferred financing structure, CHC has partnered with X-Caliber Capital for seamless access to Agency products. Learn More

  • Does CHC provide consumer mortgages?

    No. Consumers are advised to contact their local NeighborWorks organization for homebuyer assistance.

  • Does CHC provide grants?

    No. CHC provides predevelopment, acquisition (raw land and land with improvements) and construction loans, as well as permanent multifamily mortgages to the nonprofit housing developers of the NeighborWorks network.

  • Our organization is not part of the NeighborWorks network, can we borrow from CHC?

    Only Chartered NeighborWorks® organizations and their affiliates may apply for a loan with Community Housing Capital.

  • How do we become a member of the NeighborWorks network?

    Nonprofit community-based organizations that focus on community revitalization and the production of affordable housing can apply for membership in the NeighborWorks network. Each member organization benefits from grants, technical assistance, training and other resources provided by federally funded NeighborWorks America. Learn More

  • How do I apply for loan with CHC?

    We encourage you to reach out to our loan team as soon as you have identified a need for financing. Sometimes, we can offer advice or suggestions to make a development proposal stronger or we may be able to propose ideas for other sources of funds. To make the lending process easier and faster for you, CHC does not require a formal loan application. Contact us at (404) 373-5662 for more information.

  • Does CHC have a minimum and/or maximum loan amount?

    Technically, yes. Our minimum loan amount is $250,000 (on a case-by-case basis we may originate a smaller loan). Our maximum loan amount is $8.5 million. Where a larger loan is needed, CHC can originate loans up to $20 million, by participating with our partners.


  • How long is the application process?

    Most transactions will require 30 to 60 days to underwrite and fund from the time the completed application and supporting documents have been received by CHC.

  • Where does CHC lend?


  • What is a CDFI?

    Community Development Financial Institutions (CDFIs) are private-sector, community-based, financial intermediaries. Their primary mission is extending loans to develop affordable housing, community facilities, and commercial development, etc., with a focus on benefiting low- and moderate-income individuals, families, and communities. CDFI Certification is the U.S. Department of the Treasury's recognition of specialized financial institutions serving low-income communities. With a variety of structures and development lending strategies, CDFIs share a common goal: to foster economic opportunity and revitalize neighborhoods in low-income communities.

Back to top