We Work To
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Deliver High Impact Capital
We invest where traditional capital isn't available to preserve and develop affordable housing.
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Accelerate Innovative Housing Solutions
We work with our borrowers to find creative financing structures to meet their needs.
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Center Racial Equity
We prioritize projects that promote racial equity by supporting BIPOC developers, shared-equity housing, and resident ownership models.
Preserving and developing affordable housing requires creative capital that isn't always available from traditional lenders. To bridge this gap and ensure that projects move forward, we're often a project's first investor, providing the initial funds to make a project possible. We do this critical work through two loan affiliates: the National Housing Trust Community Development Fund (NHTCDF) and the Institute for Community Economics (ICE). If you're interested in helping us increase our lending to expand affordable housing, let's talk.
How We Do It
Local Focus
In the DC Metro Area, NHT is a full-service lender that supports the development and preservation of affordable housing where we work and live. To provide financing that preserves affordable housing and prevents displacement, we partner with local governments, community-based organizations, and tenant rights advocates to ensure our funding best meets community needs.
National Reach
We also offer a variety of affordable housing "but-for" loan products for mission-focused owners, developers, community land trusts, and cooperatives nationwide. We support borrowers who could not achieve their goals without our creative, flexible, and patient capital.
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Northern California
Rapid Response Sparks State Action to Preserve Housing
Tenant Ownership
We provide Earnest Money Deposit loans to Tenant Associations going through the TOPA process in Washington, DC.
Transit & Preservation
We are deploying a $12 million fund to provide catalytic early-stage capital to preserve affordable housing near planned Purple Line transit stops.
Local Government Partnerships
We were recently named the manager of Montgomery County’s new Affordable Housing Opportunity Fund, providing $20 million in funding for local development.
Pre-Development
Loans to cover pre-development and project syndication preparation.
Acquisition
Loans for affordable housing developers looking to complete an acquisition for an asset but lack liquid capital.
Bridge and Interim Development
Loans that help get a developer from point A to B by leveraging the equity in a property they already own.
Green Retrofit Preservation
Loans offered to multi-family property owners to improve operations through property improvements that reduce energy and water consumption.
Affordable Housing Opportunity Fund
Loans for acquiring and preserving affordable housing in Montgomery County, Maryland.
Community Land Trust
Providing acquisition loans to help Community Land Trusts expand and foreclosure prevention loans that help CLTs stabilize troubled properties on their land.
D.C. TOPA
The TOPA Earnest Money Deposit Loan provides D.C. tenant associations affordable and risk-free capital to cover the critical first step of the tenant purchase process.
Interested in a Loan?
We lend to institutions preserving and developing affordable housing.*
*Please note: loans offered are not personal loans.
Our Lending Impact
- 19,600+ Affordable Units Created or Preserved
- Since Inception $134 Million Closed
- $2.3 Billion Public and Private Financing Leveraged