Program Description

Under Chapter 490, Section 12 of the Acts of 1980, the Massachusetts State Legislature created the Neighborhood Housing Services (NHS) Program. The program continues to serve as an integral part of the Commonwealth's plan to make housing safe and affordable and make permanent improvements in the lives of its citizens. The program is designed to assist residents and public/private entities to reinvest in declining urban neighborhoods in Boston, Cambridge, Chelsea, Quincy, and Springfield by rehabilitating and making housing affordable for low- and moderate-income families.

How it Works:


The NHS program promotes neighborhood revitalization through partnerships with area residents, local public officials, state government, and local banking and mortgage lending institutions. The program accomplishes its goals by:

  • increasing the availability of housing rehabilitation loans for low- and moderate-income homeowners who cannot access financing through traditional lending institutions
  • Increasing the availability of affordable rental housing for low- and moderate-income tenants by re-habilitating multi-family rental housing
  • Improving housing conditions by addressing health and safety issues
  • Fostering neighborhood stability
  • Revitalizing urban neighborhoods and communities.

Who Is Eligible:

Seven (7) nonprofit entities organized under M.G.L.c.180 and certified under section 501(c)(3) of the United States Revenue Code currently offer NHS loans. Income eligible borrowers must contact their local NHS agency to apply for housing rehabilitation loans.

For More Information:

Please contact DHCD's Division of Community Services at 617-573-1400.