居委會房屋服務(NHS)

作為一個非營利的社會組織,NHS的使命是振興服務不足的社區,由通過創造和保持經濟實用的住房和提供住房教育的機會,財政援助和社區領導。跟政府和商業共同合作,我們是由當地居民主導和引導當地的需求。

  • 財務功能包括:財務健康,金融教練,教育和諮詢,首次購屋和住房擁有教育和輔導,避免止贖,減輕損失和賣空提供便利。
  • 鄰里穩定與住房保護通過教育,貸款和住房開發,包括:經濟適用住房,上門維修培訓,NYSERDA貸款及能源與環保措施,緊急維修和家居裝修貸款。
  • 居民領導和社區建設,通過宣傳活動,社區組織和領導力發展計劃。

再融資

您的輔導員將對您目前的抵押貸款條款進行快速審查,並判斷是否適合您目前的財務需求和未來的財務目標。輔導員也將比較您的利率和現在的匯率,看是否如果再融資可以降低利率。輔導員也會查看所有您可能不知道的可調條款或氣球付款。在房貸檢查結束後,您的輔導員要么建議您再探查再融資或保持當前的貸款。


資格預審

您的輔導員將評估你目前的財務狀況,包括就業,收入,債務和信用,以確定您是否有資格獲得再融資。如果您的債務及/或信用狀況被確定為一個再融資能力的障礙,NHS將為您提供其他選項,以滿足您的財務需求。


按揭報價比較

一旦您的輔導員已預審合格您的再融資,他或她將以您的名義幫助您去至少三個銀行徵求報價。您的輔導員將會進一步的幫助您比較報價,使您能夠做出最好的決定。

Neighborhood Housing Service (NHS)

As a nonprofit community revitalization organization, NHS’ mission is to revitalize under-served neighborhoods by creating and preserving affordable housing and providing opportunities for home-ownership education, financial assistance, and community leadership. Working in partnership with government and business, we are led by local residents and guided by local needs.

  • Financial Capabilities including: Financial Fitness, Financial Coaching, Education and Counseling, First Time Home-buyer and Home-ownership Education and Counseling, Foreclosure Prevention, Loss Mitigation and Short Sale Facilitation.
  • Neighborhood Stabilization and Home-ownership Preservation through education, lending and housing development including: the development and sale of affordable housing, home maintenance training, NYSERDA Loans and Energy & Green Initiatives, emergency repair and home renovation loans.
  • Resident Leadership and Community Building through awareness campaigns, community organizing, and leadership development programs.


Refinance:

Your counselor will conduct a quick review of the terms of your current mortgage and determine whether or not it fits your current financial needs and your future financial goals. The counselor will also compare the interest rate to today’s rates to see if a refinance could result in a rate reduction. The counselor will also check for any adjustable terms or balloon payments that you may not be aware of. At the end of the mortgage checkup, your counselor will either recommend that you explore a refinance or keep your current loan.


Pre-qualification:

Your counselor will assess your current financial situation including employment, income, debt and credit to determine if you qualify for a refinance at your desired loan amount. If your debt and/or credit status is determined to be a barrier to your ability to refinance, NHS will provide you with alternative options to address your financial needs.


Mortgage quote comparison:

Once your counselor has pre-qualified you for a refinance, he or she will help you shop for a loan by soliciting quotes on your behalf from at least three member banks. Your counselor will further advise you with the quote comparisons to empower you to make the best decision.