The Neighborhood Partnership Housing Services, Inc. is a home equity loan from Neighborhood Partnership Housing Services, Inc.. The ongoing APR is Rates as low as 5.99% APR and subject to enrollment in ACH withdrawal for payments. Non enrolled homeowners will have a 7.25% APR.. Approval typically requires a credit score of Borrower must have a minimum credit score of 620 or higher. Typical credit limit: Up to $200,000 available for the purchase and installation of a Factory-Built ADU. Loan terms: 20-year loan term.