What makes NFC most different from other lenders is the partnership with the Cities of Cedar Rapids, Des Moines, Urbandale, and West Des Moines, and Polk County allowing up to $15,000 per property every 10 years for home improvement/repairs in the form of a 5 year, forgivable loan. As long as the borrower occupies the property as their primary residence for the first 5 years of the mortgage, the loan is forgiven. Like other lenders, NFC offers competitive interest rates. NFC offers both refinance and home improvement loans, depending on which is a better fit for the borrower’s situation.