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Finance Vendor Details

Under One Roof Loan
Lender: Neighborhood Housing Services of Los Angeles County
Contact Information
Phone: (213) 381-2862
Property Types
Program Description
The Under One Roof Loan offers low to moderate income-qualified homeowners a deferred loan in which payment is not required until the end of the loan term. The Under One Roof program is a collaborative that leverages financing available through Neighborhood Housing Services of LA County (NHS) with other program services, including rebates, utility bill assistance and low cost solar energy systems, to help Pasadena residents buy, keep and revitalize their homes.
Verified by Lender on: 9/17/2015
The data provided is for informational purposes only. For actual loan terms specific to borrowers, contact the lender directly.
Types of Financing
Financing & Payment Information
Term (years):
Minimum Amount:
Maximum Amount:
Money Down Required:
Repayment Method:
Off-bill loan (Direct to Lender)
Payment Frequency:
Pre-Payment Penalty:
Allowable Projects
Funds Energy Efficiency projects
Funds Water Efficiency projects
Funds Renewable Energy projects
Funds Demand Response projects
Funds other energy projects
Funds other energy-related projects
Funds other non-energy projects
Other Program Requirements
Financing Approval Time
More than 48 hours
Equity in Property Needed

Financial Products

Lien type Secured loan
Re-Payment Method Off-bill loan (Direct to Lender)
Property Types
Automatic payment option available No
Requires utility incentive program participation No
Must use Program's pre-approved contractors No
One-time fees (% of total financing)
One-time fees (fixed)
Ongoing fees
Financing Amount $1 - $75,000
Financing Term (yrs.) 20 year(s)
Rate 1.5 - 3%
Money Down Required? Yes
Credit Enhancement Available Yes - Other
Transferrable No
Prepayment Penalty or Fee No
Tax Deductibility No
Minimum Credit Score Required
Equity in Property Required Yes
Debt to Income Ratio Required Yes
Involuntary Property Liens Allowed No
Foreclosures Allowed
Bankruptcies Allowed
Mortgage Lender Consent/ Acknowledgement No
Must be current on property taxes No
Must be current on mortgage Yes
Loan to value
Debt Service Coverage Ratio No
Financing Approval Time More than 48 hours
Projected Energy Savings/Cash Flow is considered No
Must be current on utility bill Yes

Upgrades Covered

No Results


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