DECATUR, GA Community Housing Capital (CHC), a certified Community Development Financial Institution (CDFI) intermediary, has reached an exciting milestone. Incorporated in 2000, CHC celebrates 20 years of delivering much-needed capital across the U.S. to create and preserve affordable housing. Lending to members of the NeighborWorks® Network, CHC provides both early real estate development loans to build or renovate homeownership and rental units, and permanent multi-family loans with favorable rates and terms. In November 2000, six founding members, representing NeighborWorks nonprofits and socially motivated financial institutions, came together to provide flexible and attractive financing for its membership. Today, after 20 years of continued growth, finding solutions in harsh economic times, and now, a worldwide pandemic, CHC remains a critical resource to the 240+ local community organizations across the nation that directly meet local housing needs.


CHC's current board of 14 directors includes several original founding executives and other distinguished, housing industry leaders. Their guidance has ensured a consistent focus on meeting the complex financing needs of these nonprofit organizations that focus on low-to-moderate income families and individuals, including those that have been historically excluded or marginalized in their communities. From 2000 to 2019, CHC made 492 loans to 145 Network organizations, totaling $809 million for single-family and multi-family projects. These nearly 20,000 homes, in 44 states plus the District of Columbia, generated $2.5 billion in local development. From FY 2016-2019, CHC’s lending activity created over 5,200 jobs. 91% of CHC borrower's properties are affordable to families earning 80% of the area median income or less. 76% were accessible via public transit and 54% are preserved homes built or rehabilitated using green features.

Cindy Holler, President and CEO of CHC, attributes CHC's success to listening to its customers, adapting to change, and its people. "Our lending and credit teams work very closely with our borrowers to meet their communities' capital needs. Our back-office team constantly adapts to the ever-changing needs of customers who take on increasingly complex financing structures to make affordable housing possible," she said. "In the future, we also hope to provide equity solutions to the NeighborWorks Network – our communities have an overwhelming need for this type of capital to continue their mission more effectively."

Over its 20-year history, CHC has utilized their relationships and experience to provide a comprehensive range of early interim and permanent financing even when some private-sector lenders withdrew access to capital during economic downturns. CHC's staff of professionals has more than 100 years of combined experience, and all share one passionate belief: Every person deserves a safe, quality place to call home.

"Despite several periods of national economic challenges, CHC has experienced growth almost every year since 2000, said Patricia Garcia Duarte, Chair of CHC's Board of Directors. "CHC was created to help the NeighborWorks network's nonprofit developers face an impossible task, making sure that everyone is stably housed and in a safe environment. We can only meet such a daunting responsibility by being steadfast in our mission, relentless in pursuit of innovation, and meticulously strategic with the use of the resources our investors have entrusted with us."

About Community Housing Capital

Community Housing Capital has, through its lending activity, created or preserved nearly 20,000 units of affordable housing and facilitated $2.5 billion in total development during its 20-year history. Community Housing Capital is headquartered in Decatur, Georgia. View CHC's 20-Year Anniversary Report and for more information, visit


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