A Community Development Financial Institution
Volume 11 | Issue 5
Living Without Power
NPHS and County of Riverside Provide Home Repairs for Senior Living Without Electrical Power
Record-breaking heatwaves and Santa Ana winds are just some of the harsh weather conditions taking a toll on homeowners in the Inland Valley. Now, imagine living in a home ill-equipped to be in these conditions for over two years. Unfortunately, this was the reality for long-time Coachella Valley resident Jose Delgado and his two sons.

For over two years, Mr. Delgado and his sons lived in dire circumstances; a home without power and an unsanitary failing septic system. Living on a very low annual income, Mr. Delgado relied on his monthly disability payments to provide necessities, so emergency spending was just not within his budget.

For the last two years, Mr. Delgado went through nine different power generators to bring electric power and make conditions livable in his mobile home. Mr. Delgado spent over $900 just on propane tanks to power the generators.

These unlivable conditions were affecting Mr. Delgado and his family's health and mental well-being. Fortunately, Mr. Delgado was referred to NPHS for assistance. Through the County of Riverside Senior Home Rehabilitation Grant Program, NPHS provided $25,000 funding to bring back electrical distribution to Mr. Delgado’s home, install a new septic system, and pay for his mobile home’s site permit in addition to other repairs.

“If it wasn’t for the grant, I think I would have been without power to this very day. It was all because of NPHS,” said Mr. Delgado. “Out here in the Coachella Valley, it gets hot, especially during the summer. In my mobile home, just 80-degree weather can make the inside of my home unbearably hot.”



RENAISSANCE™ Home Improvement Loan
Revitalizing our Neighborhoods
NPHS is committed to enhancing the quality of life for residents by offering assistance in the form of low-interest loans to enable low-income homeowners to complete needed repairs to their homes. Home improvement projects help preserve and beautify neighborhoods while also promoting continued pride in the community. RENAISSANCE home improvement loan provides affordable loan terms to assist low-income homeowners (earning below 80% of the Area Median Income) with access to affordable financing options for home repair projects that will create safe, desirable, and sanitary housing. Most permanent interior and exterior repairs are eligible.
2.99%
Interest
Up to $25,000

20-year Amortized Loan
The NPHS Renaissance Loan is a 20-year amortized loan with a 2.99% rate available for eligible homeowners. Homeowners may also use the loan to finance repairs that will enhance accessibility for disabled individuals and improve the energy efficiency of their homes to save on energy costs.
PIVOT™ Small Business Microloan
Helping Small Businesses PIVOT
The spirit behind PIVOT is to help small businesses adapt and evolve in the age of COVID-19. The marketplace may be changed forever, and small business owners have immediately begun to look at options for modifying their business models. Entrepreneurs need to pivot and adapt to ensure their long-term growth and survival. PIVOT provides capital to new and existing small businesses to finance the adjustments they need for their operations to grow and thrive throughout the pandemic and beyond.

Click below for more information on how to apply for the PIVOT small business microloan.
Virtual Home Buying Orientation
As a HUD-Approved Housing Counseling Agency, NPHS provides FREE Virtual Home Buying Orientations to individuals and families who are seeking to purchase a home. Homebuyers will learn about:

  • Down Payment Assistance Programs
  • Affordable Financing Programs
  • Grants for Closing Costs
  • Affordable Homes for Sale

Orientations are hosted virtually and held through a ZOOM video call and presented by a HUD-Counselor

Join NPHS virtually through ZOOM. This is a limited seating event so make sure to register today!
Homes for Sale
Upcoming and Current Homes for Sale
San Bernardino Housing Developments

Three New Affordable Homes Coming Soon to the City of San Bernardino
Three Single Family Homes Coming Soon
3 beds | 2 bath | +/- 1,547 sq ft

Up to $60,000 in Down Payment Assistance Available
939 N. F Street, San Bernardino CA, 92410
3 beds | 2 bath | 1,480 sq ft
$320,000
1045 N. F Street, San Bernardino CA, 92410
3 beds | 2 bath | 1,480 sq ft
$320,000
Attention Local Contractors
NPHS is seeking local licensed General Contractors to partner with on upcoming construction projects in San Bernardino and Riverside County. Contractors must have experience with rehabilitating owner-occupied homes and redevelopment programs.

If you are interested in partnering with NPHS, please contact Jenny Ortiz at jortiz@nphsinc.org or 909-204-7451.
Online Homebuyer Education Course
Need a Homebuyer Education Certificate?

Register for our online Homebuyer Education workshop.
NPHS | 9551 Pittsburgh Avenue, Rancho Cucamonga CA 91730 | 909.988.5979