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Need Home Repair or Improvement?

Neighborhood Lending Services, Inc. (NLS) has the loans and services you need to get the job done right.

General Home Improvements

  • New kitchen
  • New roof
  • New siding
  • Central air-conditioning, etc.

Energy Efficiency Improvements

  • Comprehensive air sealing
  • Installing new or increasing insulation
  • Updating to a more efficient furnace or boiler

Home Safety Improvements

  • Correcting dangerous electrical problems
  • Updating hazardous heating systems

Vintage Home Improvements

  • Masonry re-pointing and repair
  • Restoring original wood windows
  • Repairing decorative metal cornices

What is NLS?

Neighborhood Lending Services is an Illinois state-licensed, nonprofit mortgage lender that offers affordable, fixed-rate home improvement loans for large or small needs.


  • We lend in neighborhoods throughout the City of Chicago, Elgin/Northeast Kane County and south suburban Cook County
  • Income eligibility and other restrictions may apply
  • Make an appointment to find out if you are eligible

Repayment Terms

  • Repayment terms up to 20 years, with affordable interest rates and no prepayment penalties
  • Forgivable loans are available together with Home Improvement loans to help with home repairs
  • Income eligibility and other restrictions may apply

How To Apply for a Loan

Apply for your loan online
Call 773-329-4111 to speak with a Loan Originator