NHS Home Improvement Loans

Neighborhood Lending Services / NHS of Chicago

Available Home Repair

About This Program

NHS Home Improvement Loans is available to homeowners in Chicago, IL.

Neighborhood Lending Services, the nonprofit mortgage lender affiliated with NHS of Chicago, offers affordable home improvement loans. As the largest nonprofit licensed mortgage lender in Illinois, NLS provides below-market-rate financing to help families fix and improve their homes.

Below-market interest rates; some loans may be partially forgivable

Official source site checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In Chicago, IL, you can combine this program with other local help to cut your cost:

Key Details

  • Affordable below-market-rate home improvement loans
  • Largest nonprofit mortgage lender in Illinois
  • Some programs include forgivable loan components
  • Available to Chicago homeowners
  • Free homeowner counseling included

How to Apply

Get free help applying Visit Official Program Page Track this program

888-473-4858

A grant-savvy contractor in Chicago, IL can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Chicago early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Ongoing

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can NHS Home Improvement Loans provide in Chicago, IL?

Up to $50,000.

Who qualifies for NHS Home Improvement Loans in Chicago?

NHS Home Improvement Loans is open to homeowners in Chicago, IL.

How do I apply for NHS Home Improvement Loans in Chicago, IL?

Apply directly with Neighborhood Lending Services / NHS of Chicago using the official program link on this page or call 888-473-4858. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Chicago, IL contractors

Find More Programs in Chicago, IL

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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