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National Homebuyers Fund, Inc. (NHF)

National Homebuyers Fund®, Inc. (NHF) was established in 2002 to stimulate and expand homeownership opportunities across the nation. NHF is a non-profit public benefit corporation organized for the purpose of exercising functions of government and other public purposes, including assisting in the provision of adequate, safe and sanitary residential housing. (NHF is an Internal Revenue Service code section 115 entity.) We accomplish our mission through the development and/or management of homeownership programs, utilizing the capital markets to provide financing of Mortgage Credit Certificate (MCC), Mortgage Revenue Bond (MRB), Second Mortgage and Gift programs.

We embrace our responsibility with conviction and pledge our best efforts to serve as a champion for affordable and responsible homeownership. We view homeownership as the bedrock of local communities and vital in attaining and maintaining healthy and stable neighborhoods. To many people, a home is much more than a place to live. For many, owning one's own home represents family and community identity, hopes, goals, freedom and long-term security.

'Children of homeowners do better in school and are more successful later in life. Homeownership acts as a powerful economic stimulus, benefiting both the individual homeowner and the national economy. It provides economic and social capital to neighborhoods because homeowners are more likely to participate in local organizations. Homeownership in distressed communities raises neighborhood values, and homeowners often state that they are more satisfied with their living situation than renters.'
— Paraphrased from Benefits of Homeownership, as published by Habitat for Humanity, New York City, October 2006, with professional references contained within.

program management services

  • NHF provide program management services to Housing Finance Agencies and housing related organizations in order to assist them with bringing housing programs to their local constituents and communities. More…

    NHF, jointly with it's affiliate housing finance authority CRHMFA Homebuyers Fund (CHF), has participated in the development, issuance and management of MCC, MRB, MBS and Second Mortgage Programs, resulting in over $8.6 billion in mortgages on more than 60,970 properties.

Program development

  • In addition to providing program management services, NHF also develops its own housing programs from time to time, in order to assist homebuyers who can qualify for a home purchase, but may lack the cash resources for the associated down payment and/or closing costs.
  • Depending on availability and the specific features of each program, the homebuyer assistance provided may range from grants to low interest rate first and second mortages.

    View our Program Index for program information and guidelines for all NHF-managed loan programs.

  • CHF is an affiliate of Rural County Representatives of California, a service organization that champions policies on behalf of California's rural counties. More…

Trademark Information

  • National Homebuyers Fund®, Inc. (NHF) is a non-profit public benefit corporation. NHF is the owner of the following federally registered marks:
  1. National Homebuyers Fund
  2. NHF letters logo and the acronym NHF
  3. Your Downpayment Solution

Users are not permitted to use these trademarks without the prior written consent of NHF. In addition, all information contained on this website is protected under NHF copyright. Learn more…