Neighborhood Finance Corporation

Lending Areas

NFC lends in designated neighborhoods, and each area has its own loan options and guidelines. Because our funding is place-based, eligibility depends on your address.

If you’re planning updates that make your home more comfortable or efficient or if you’re a first-homebuyer exploring your options – we can help you understand what you qualify for. Start by checking your address.

View Home Locator Map Tool

How Lending Areas Work

NFC is a nonprofit lender that focuses investment where it can make the greatest impact. Our lending areas are defined neighborhoods across Polk County and Cedar Rapids (in Linn County) where Iowan homeowners and first-time buyers can access renovation loans, energy-efficiency financing, forgivable options, and neighborhood-based incentives.

Each area has its own mix of programs, and some neighborhoods also qualify for additional support through partners like Invest DSM, Historic West Des Moines, and other community initiatives.

Why Your Address Matters

Because NFC’s funding is tied to geography, your address determines which programs you may be eligible for. Lending areas help us direct resources to strengthen housing, support long-term residents, and improve neighborhood comfort and stability.

How to Use the Home Locator Map Tool

Enter the full street address of your current home or a home you’re considering into the Home Locator Tool to see whether it’s located within a qualifying Lending Area.

Your address determines which loan programs, forgivable options, and neighborhood-based incentives may be available. Each lending area has its own guidelines, so checking your address is the first step in understanding what you may qualify for.

View Home Locator Map Tool

Current Lending Areas

Polk County

Neighborhood Finance Corp (NFC) is a nonprofit mortgage lender specializing in providing lending in designated neighborhoods in the Des Moines, Iowa metro, including select neighborhoods in Urbandale and West Des Moines.
View Polk County Residents Page

Program Options in Polk County

Depending on your address, you may qualify for:

  • Renovation loans
  • Energy-efficiency financing
  • Forgivable loan options
  • Deferred loans
  • Neighborhood-based incentives

Some Polk County neighborhoods also overlap with Invest DSM Special Investment Districts, offering additional grant opportunities.

Linn County

NFC provides lending in designated neighborhoods across Cedar Rapids with eligibility varying by location and program guidelines.
View Linn County Residents Page

Program Options in Linn County

Depending on your address, you may qualify for:

  • Renovation loans
  • Energy-efficiency financing
  • Emergency repairs
  • Forgivable loan options
  • Deferred financing

Home Locator Map

Please check spelling before searching.

Lending Area Descriptions

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Green Lending Areas NFC provides lending in specific areas of Des Moines.  The areas outlined in dark green are also Invest DSM neighborhoods. Click here for information on how NFC Advantage Lending and Invest DSM Programs work, or visit the Invest DSM website for additional information.
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Dark Blue Lending Areas NFC provides lending in specific areas of Urbandale.
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Yellow Lending Areas NFC provides lending in specific areas of West Des Moines. The Commerce, Fair Meadows, and Valley Junction neighborhoods are included.
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Light Blue Lending Areas NFC provides lending in specific areas of Windsor Heights. Limited funding is available. Please contact NFC for more information.
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NFC Lending Area in Cedar Rapids
The neighborhood boundaries are for informational purposes only; lending programs are the same in the entire lending area.

See What You Qualify for Next

Some neighborhoods qualify for additional support and have programs that can be layered with NFC financing to maximize savings. Your home can be better than you think when Partner Programs combine financing and grants for energy-smart improvements:

  • Invest DSM Special Investment Districts (SIDs) Homes in these districts may be eligible for grants that can be layered with NFC loans.
  • Historic West Des Moines Properties in this area may qualify for additional neighborhood-based programs.

Once you’ve checked your address, reach out to NFC to understand your options.

Whether you’re exploring energy-smart upgrades with flexible financing or preparing to purchase a home, we’re here to help you take the next step toward qualifying.